• Questions? Call 877-235-0672

Are You A Business 
Owner That Needs  
Funding Fast?

Get Pre-Approved Instantly!

Apply Now For A Free
No Obligation Pre-Approval!

Get Pre-Approved in just 5 Seconds!

Congratulations, You’ve Been

Enter Your Details below to see how much you qualify for:

Sorry, We Need More Details Before We Can Approve You

Enter Your Details Below To Explore Finance Options Your Business May Qualify For

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

Getting a Business Loan With Bad Credit is Possible in Santa Fe, NM!

First Choice Business Capital can help you acquire the bad credit business loans fast you need to get to keep your business in Santa Fe, NM profitable, even when you have bad credit.We know it can be so frustrating trying to get a traditional loan from a bank when your credit score is substandard.

How to Get a Business Loan With Bad Credit?

You are very likely quite burdened and annoyed from being denied, but we can help.We pride ourselves in helping companies get the funds they need regardless of what your credit history looks like, and we have many options that we can offer.You may be amazed to learn that only 30 percent of businesses qualify for a bank loan – which means you are not alone!

Bad debts are usually the main reason why banks refuse to lend companies business loans with poor credit.There could possibly also be tax liens against the company, and court judgments can affect the outcome too.A business must have capital in order to stay profitable, because it is the bedrock on which to keep operating. Since the 2008 economic crisis, even companies that have been very successful with making money are having a hard time getting business loans.

From that time on, gaining access to capital has become a problem because of the new regulations.The companies affected by these are not large corporations, but those with under 50 employees.While this is a step in the wrong direction, it has opened up a new market for those specializing in alternative funding options.There are solutions for business cash advances from organizations like First Choice Business Capital. We provide practical loans and offer a quick approval process.

Featured on graphic

Options Are Available in Santa Fe, NM, for Bad Credit Business Loans

It could be you are one of the businesses that are not aware that short-term loan possibilities are easily available. But the good news is, they seriously are – and the best part is, they are unsecured! Even with bad credit and no collateral, businesses can receive loans. These business loans for bad credit are not just for certain types of companies, either. Business loans bad credit are given for all sorts of businesses. Small business loans bad credit? No worry at all! First Choice understands this. We take pride in helping you solve your financial predicament as quickly as possible, and we possess a high approval rate as well.

Business Cash Advances, Short-Term Loans and Unsecured Loans

These types of offerings are known as a merchant cash advance (MCA). These poor credit business loans are sometimes the only factor standing between a company remaining open or closing for good. For companies that have been turned down for a business loan by a bank, these particular business loans offer an amazing opportunity to get funding. Since collateral is not mandated for a business cash advance, it is easier than ever to qualify. We provide funding for a multitude of industries as well, so it is absolutely probable we would be able to assist you. The only requirements we need is for your business to be older than three months and that you routinely deposit at least eight thousand dollars every month.

Merchant Cash Advantage Perks

MCAs offer several advantages to all types of companies like yours. A big advantage of this type of loan is that it can be funded in a fraction of the time of a traditional banking loan. Many times, a business can have their approval in only one business day. The approval rate of these loans is gigantic compared to typical bank loans as well. We can proudly claim an approval rate of over 90 percent, which guarantees you have much better chances of being approved than at a bank! You will not have to wait long for your cash once approved. These loans are frequently paid out in less than four business days, which is much faster than a bank. The application is only one page and the last six months of banking statements will need to be supplied.

We can work to approve your loan application when this data is provided. A merchant cash advance can be merely what you need if you have been declined by your bank due to poor credit. A merchant cash advance is a short-term business loan with a fixed cost of capital that can get you going again. These loans are generally paid back in fewer than eighteen months, some as little as four months. You can make your payments by the day or by the week. Loan payments can be made on each business day. With an MCA, there are usually 20-22 payments each month.


We Consult with All Types of Companies

All sorts of companies can get short term business loans bad credit. First Choice loves to help all kinds of companies. The list below is a smattering of the types of businesses we want to hear from: Beauty Shops, Tire Shops, Carpentry, Construction, Masonry and Stonework, Driveway and Parking Pavement, Cooling and Heating, Gasoline Service Stations, General Building Contractors, Automotive/Mechanic Repair Shops, Wrecking and Demolition companies, Car or truck Body Repair and Painting, Home Health Services, Interior Decorators, Pest Control, Pubs and Restaurants, Rigging and Scaffolding, Water Well Drilling and Trucking. Any of these companies and many more can be given business loans with bad credit. As you discovered before, the application process is easy and the criteria minimal. If you have credit troubles affecting your ability to obtain a loan, First Capital can help.

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 Serve to Help!

If your business is in one of the following states, we may be able to help you with a cash advance: 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.

Working With a Professional Agent Of a Poor Credit Business Loan

When trying to get bad credit small business loans, be sure that you are working with a highly regarded broker. Not every company in the business of lending subprime loans will have your best interest in mind, so it is best to perform due diligence. There are also times when borrowers are turned down because the brokers provide the wrong information to potential lenders

It is important that the brokerage firm has an in-depth understanding of the underwriting process. They should really know their lenders well and have the ability to guide the borrower through the process. Those lenders that can syndicate the deals may even grow loan amounts. You do not want your broker submitting your application to a ton of lenders. You really want to choose a reputable company like First Choice Business Capital to guarantee this does not happen.

Got Bad Credit Business Loan Needs? Call Us!

It takes a long time for your credit score to improve. Why stall? Keep your personal belongings – you don’t have to worry about not having enough collateral. It is a simple, one-page application. Fill it out online or call us today!

Call Now:      855-889-1990

First Choice Business Capital

  Santa Fe, NM, United States


Communities we serve: 

AlbuquerqueSanta FeRio RanchoLas Cruces

87505, 87507, 87501, 87506, 87508, 87503, 87509, 87502, 87504, 87592, 87594


Touch to Call!