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      Bad Credit Is OK! – No Startups!

      Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply simply fill out the pre-approval form above now!


      • Simple 2-minute application
      • Approval within 24-hours
      • Funding within days
      • No Start Ups!


      • We work with many industries
      • You pay no upfront fees
      • Your bad credit is ok
      • Must Be In Business 3 Months Min.


      • We have money to lend now
      • We give honest, professional advice
      • When your bank says “no,” we say “yes”

      Our Loan Specialists Are Standing By, Call Us Now:    855-889-1990

      Bad Credit Business Loans Oyster Bay, NY

      Bad credit business loans are entirely possible for just about any business and this is no fabrication or exaggeration of the truth. At First Choice Business Capital, we can help you get the cash flow you are in need of in Oyster Bay, NY. We understand that having a less than perfect credit score can ruin your chances for getting a business loan from traditional banks.

      Get Bad Credit Business Loans – Fast & Easy!

      Studies have shown that approximately 70 percent of companies will not qualify for standard business bank loans. So if you have been denied, you’ll find yourself in the majority of business that feel as if there is nowhere else to turn.   That’s why we pride ourselves in helping businesses get the funds they need regardless of what their credit history looks like, and we have many lending solutions that we make available to them.

      You may be surprised to learn that only 30 percent of businesses qualify for a bank loan – which means that you are not alone as many businesses find themselves in this predicament. There are plenty of reasons as to why you may get rejected with bad credit being amongst the most prevalent. Another reason may be that a business may have a court judgment against them, or there may be tax lien issues.  What’s depressing is that once a bank turns down a loan, the business often gives up the search for working capital and they feel totally helpless. However, we can tell you that there are other options. We all know that without working capital, a business will falter. Keeping the doors open to do business demands money.

      It’s no secret that when the economy tanked in 2008, many businesses suffered. Since then, getting a bank loan has become much more very difficult as regulations established after that time have cut accessibility to capital for a considerable amount of companies. The sad thing is, it is not just the large corporations suffering the brunt of these new laws. On top of that, these regulations have caused havoc to numerous “Mom and Pop” operations that have less than 50 employees. Fortunately, alternative lending institutions have stepped in to help solve this dilemma. If you are interested in a solid lending solution that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funds you need, and faster than you ever thought possible.  We even offer 24-hour approvals so that businesses with subprime credit can get the cash they want right away. When traditional routes fail, alternative loan providers can supply the assistance needed. Call us for more information about your business loan.

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      Bad Credit Business Loan Options Oyster Bay, NY

      It really is a shame that many business owners do not know all their finance options. But the good news is that we are here to tell you that there is hope – and the best part is that these loans are unsecured short-term loans!  These business loans are available, even when you have no collateral and that is no exaggeration or fabrication. What’s even better is that you can get bad credit business loans fast—some of the best alternative loan providers such as First Choice Business Capital can typically fund you within just 24 hours; that means you can get bad credit business loans fast.

      With First Choice Business Capital, you can typically acquire funding within just one day – try doing that with your local bank! It’s just not going to happen. First Choice understands that when business are looking for working capital, they commonly need as quickly as possible, which is why we pride ourselves on getting prompt approvals and with an incredibly high percentage approval rate for all businesses that apply for a business loan with us.

      Business Cash Advances, Unsecured Loans and Short-Term Loans 

      These types of alternative lending are often known as a merchant cash advance, which is also known as (MCA). When a traditional bank turns down a business loan, these loans can offer the money required to stay operating; and since collateral is not required for a business cash advance, it is easier than ever to qualify.

      There are funding options for all sorts of companies; so no matter what industry or business you are in, we can help. We only require that your business has been working for three months minimum and that you deposit between 8-10 thousand dollars monthly – that’s it, very simple.

      The Benefits of Merchant Cash Advances

      MCAs offer numerous advantages to all sorts of companies that find themselves in a bit of a financial jam. A prime example of one of the advantages is really just how quickly a merchant cash advance is funded. It really is amazing when compared to traditional banks, which can take a really long time. In contrast, an MCA could be approved and fully funded in only just a small fraction of the time. In fact, a large number of these loans are approved in as little as just one day.

      The loan process is smooth, too since all that is required to be filled out is one simple page. Aside from that, you’ll also need to provide bank statements from the last six months. This is pretty much everything that is needed to get you approved quickly. These loans are right for those business owners that need a bad credit loan fast. A merchant cash advance is a short-term business loan that can get you up and running again.

      These loans are generally paid back in fewer than 18 months, some as little as four months and payment options are flexible for these loans, and they can be paid either daily or weekly. Payment loans are made daily with the exception of Saturday and Sunday and each month, there are customarily 20 to 22 payments for a merchant cash advance.


      Some Businesses We Deal With

      Who can we help?  Well the reality is that we can help all sorts of companies to get short-term business loans bad credit.  We do not discriminate, as First Choice Business Capital loves to help all kinds of companies. Here is a sampling of the types of companies we typically team up with: Home Health Services, Heating and Cooling, Interior Decorators, Masonry and Stonework, Pest Control, Rigging and Scaffolding, Tire Shops, Trucking, Water Well Drilling, Wrecking and Demolition companies, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Bars and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. However, we’re not just limited to these types of businesses.  There are a lot more company niches that can be serviced for business loans with bad credit.  Basically, we can work with any business that has bad credit and meets our minimum criteria.

      Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply fill out the online application now!


      States We Do Business With

      Merchant cash advances are also offered in the following states:  Wisconsin, Wyoming, West Virginia, Washington, Virginia, Vermont, Utah, Texas, Tennessee, South Dakota, South Carolina, Rhode Island, Pennsylvania, Oregon, Oklahoma, Ohio, North Dakota, North Carolina, New York, New Mexico, New Jersey, New Hampshire, Nebraska, Nevada, Montana, Missouri, Mississippi, Minnesota, Michigan, Massachusetts, Maryland, Maine, Louisiana, Kentucky, Kansas, Iowa, Indiana, Idaho, Illinois, Hawaii, Georgia, Florida, Delaware, Connecticut, Colorado, California, Arkansas, Arizona, Alabama and Alaska.

      Partner with Credible Bad Credit Business Loan Brokers

      Unfortunately, there are many shady companies in this industry that are just preying on those looking for bad credit small business loans. Because of this, it is advisable to ensure that you only deal with reputable lending brokers.  You may find that there are lots of different lending institutions, so you have to navigate carefully. For instance, some borrowers may be accidentally been declined in the past due to erroneous information being given by an inexperienced broker.

      That’s why it is very important that the brokerage firm has an in-depth understanding of the underwriting process. They ought to know their lenders well and the experience and know how to guide the borrowers through the process seamlessly.  Another thing a credible broker can do is to syndicate your deal. Those lenders that can syndicate the deals can often increase escalate the loan amounts, which can be very helpful to you and your business.

      Another thing to avoid is that you do not want your broker submitting your application to a ton of lenders.  The reason is that deals that are shopped to a wide range of lenders will certainly hurt the borrower’s credit score.  For all the reasons stated above and more is why it is vital that you work with an alternative lending company like First Choice Business Capital for your business loans to ensure that your loan process goes smoothly and without a hitch.

      If You Are In Need of a Bad Credit Business Loan, Do Not Delay – Contact Us Today

      If you find yourself in a situation where you need cash for you business, but you have bad credit, you really need to talk with us today. You do not have to wait and pray for your credit score to get better in order to get a loan. You can get approved today!

      This is a business opportunity so do not let it pass you by. The answer is just a simple, one-page application away. Fill it out online or call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

      Oyster Bay, NY , United States


      Cities we serve: 

      11771, 11732

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