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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

      You Can Get a Business Loan With Bad Credit in Rochester, NY

      First Choice Business Capital specializes in providing fast and convenient low credit business loans in Rochester, NY. Furthermore, these loans are for all kinds of businesses with bad credit. Certainly, we know it can be so frustrating trying to get a traditional loan from a bank when your credit score is below average.

      Get Bad Credit Business Loans Rochester NY Even With Horrible Credit!

      In the first place, you are likely quite upset and disappointed from being denied, but we can help. There are many different factors why numerous businesses with bad credit can’t get a bank loan. Reasons for declined loans could be as simple as a company applying for a business loan with poor credit or companies may also have a judgment or lien.

      Once a business gets denied for a loan, it often gives up all hope for funding. However, a business must have capital in order to stay profitable. When the economic climate tanked in 2008, businesses suffered. Since then, getting a bank loan has become much more tricky. Moreover, regulations established after that time have cut accessibility to capital for a considerable amount of establishments. The fact is, it is not the large corporations suffering the brunt of these new laws. These new rules apply towards small and medium size companies with 50 or fewer employees.

      This is quite the dilemma, yet it has opened the market up for alternate lending options. Continually, there are choices for business cash advances from companies like First Choice Business Capital. We provide practical financing and offer a quick approval process. So, despite what you may have heard, businesses with bad credit can easily get the funding they need by leveraging the various alternative-lending possibilities available to them.

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      Business Loan Options Bad Credit in Rochester

      It could be you are one of the businesses that are not aware that short-term loan services are out there. But the good news is, they absolutely are. And the best part is, they are unsecured! Even with bad credit and no collateral, businesses can get loans. Furthermore, you can get bad credit business loans fast. Many different types of companies can get business loans for bad credit with the options we offer.Searching for small business loans bad credit? No problem! Yup! When a business needs working capital, it needs cash now. First Choice understands this need and offers swift approvals.

      Short-Term Loans and Business Cash Advances

      Merchant cash advances like this are also termed an MCA. For companies that have been turned down for a business loan by a bank, these types of poor credit business loans offer an amazing opportunity to get funding. Qualifying for these alternative loan options is easy, since no collateral is needed. We provide funding for a variety of industries as well, so it is absolutely likely we would be able to assist you. The only qualifications are that the business has been operating for at least 3 months and you’re depositing about 8 to 10 thousand dollars regularly over the last 3 months.

      Perks of Merchant Cash Advances

      Not to mention, there are quite a few advantages to MCAs. A big advantage of this type of loan is that you can get the funds you need faster than from a traditional bank. Moreover, a lot of loans of this type are approved within as little as one day.The process to get approved is easy, too. For example, the application form is only one page. Also, have your business’s last six months of bank statements ready, too. With this information, we can work on approving you very fast.

      If you need a bad credit business loan right away, a merchant cash advance could be just the solution you seek. Such loans, which usually range from four to 18 months, have a fixed cost of capital. It’s important to realize that it’s possible to pay an MCA daily or weekly from Monday to Friday. Lastly, MCA loans have between 20-22 daily payments a month.


      We Collaborate with Many Businesses

      Short-term business loans bad credit are offered to a myriad of company niches. At First Choice, we have assisted almost every kind of company. The following industries are just some of the businesses we work with: Building and construction, Electrical contractors, Painting, Carpentry, Roofing, Plumbing related, HEATING AND COOLING, Brickwork & Stonework, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Trucking, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffold, Automotive/Mechanic Repair Shops, Auto Body Repair & Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. Any of these companies and many more can be given business loans with bad credit. First Choice can help any business that meets the requirements and has credit woes.

      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 Can Help!

      If your business is in one of the following states, we may be able to help you with a cash advance: Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming and Wisconsin.

      Professional Bad Credit Business Loans Company

      When a business with bad credit is looking for a merchant cash advance loan or bad credit small business loans, it is best to deal with a respectable professional. Perform your due diligence, while you wade through the loan solutions that are available. Often times borrowers are accidentally declined, based on the wrong information provided to the lenders. A legitimate brokerage understands the underwriting process. It has substantial expertise about the lenders at its disposal.

      When brokerage houses can syndicate, they may manage to secure even more money on the loan. What you do not want is for the broker to shop your deal around. Furthermore, it should not be submitted to many lenders. When your broker shows your application to many lenders, it can damage your credit score even more. Choosing a trustworthy alternative lending company like First Choice Business Capital will protect you from this.

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

      In the long run, it takes a long time for your credit score to improve. Why hold everything? Do not let this chance pass you by. And don’t worry about collateral; you don’t need it to obtain the loan. Change the direction of your business by consulting with us right now!

      Call Now:      855-889-1990

      First Choice Business Capital

      Rochester, NY, United States


      Communities we serve: 

      14621, 14609, 14620, 14611, 14607, 14613, 14619, 14605, 14608, 14606, 14615, 14612, 14610, 14604, 14614, 14616, 14618, 14603, 14617, 14622, 14623, 14624, 14625, 14626, 14638, 14639, 14642, 14643, 14644, 14645, 14646, 14647, 14649, 14650, 14651, 14652, 14653, 14664, 14673, 14683, 14694, 14627, 14602, 14692.

      Touch to Call!