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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

      A Business Loan When You Have Bad Credit – Is it Really Probable?

      First Choice Business Capital specializes in providing fast and problem-free business loans when you have terrible credit in Norman, OK, to all kinds of businesses. We have many money options available for companies, regardless of a bad credit history. The approval process is fast as well, 24 hours in most cases!

      What You Need to Know About Getting A Business Loan with Subpar Credit

      The majority of companies today do not qualify for bank loans. In fact, studies have shown that only 30 percent of businesses would get approved! Banks deny loans for many reasons such as a tax lien against the company or a court judgment. Working capital is the foundation on which a company operates. Hence the fact that when a company does not have easy access to cash, they are not going to be able to stay in business for very long.

      In 2008, the economy collapsed, and since then even those companies that are successful have had a hard time securing bank loans because of challenges caused by new regulations. To complicate matters, these regulations apply to “Mom and Pop” type operations that have less than 50 employees.This situation is a burden to those needing funding, but it has opened the doors for alternative loan companies to step in to provide much-needed programs.

      High-risk lenders like First Choice Business Capital can easily provide quick approvals and no-nonsense funding solutions.So despite what you may have heard, it is clearly true and not just something manufactured that businesses with bad credit can readily get the finances they need by leveraging the various alternative-lending opportunities available to them.

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      Bad Credit Business Loan Options in Norman, OK

      Uncollateralized loans are easily available to small, medium and large size businesses with bad credit. Even with bad credit and no collateral, businesses can get loans. That’s because less than excellent credit does not equal a denial.First Choice Business Capital delivers business loans to companies that have a poor credit score and normally funds loans within 24 hours. Yes, just one day! First Choice understands that when businesses are seeking for working capital, they frequently need it as quickly as possible, which is why we pride ourselves on getting simple approvals with an incredibly high percentage approval rating for businesses that apply for a business loan.

      Business Cash Advances, Unsecured Loans and Short-Term Loans

      Alternative lending such as these are often referred to as a merchant cash advance, or MCA. When a traditional bank turns down a loan, these can supply the money required to stay functioning.You do not even need collateral in order to qualify for an MCA. There are funding options for all sorts of companies; so no matter what profession you are in, we can help. We only require that your business has been operable for three months minimum and that you deposit between 8 to 10 thousand dollars monthly.

      Perks of Merchant Cash Advances

      MCAs offer lots of advantages to all types of companies like yours. One of the biggest perks about these types of loans is that as touched on previously, it delivers remarkably fast loans compared to that of a traditional bank.Most loans are approved in a day and over 90% of all applications get a loan approval. Do you know what the best part is? Immediately after approval, you will have the cash you need within 48-96 hours. You do not have to go through an extensive loan process, either. All we ask is that you have the last 6 months of your business bank statements, since with this information an approval can be authorized very swiftly.

      When a business needs a poor credit loan fast, a merchant cash advance is the ideal type of business loan they should look for. A merchant cash advance is a short-term business loan that can get you going again. These loans are generally paid back in fewer than 18 months, some as little as four months. There is also a fixed cost of capital and you can make your payments by the day or by the week. Loan repayments can be made each business day. Moreover, MCAs usually have 20-22 payments each month.


      We Work With Many Businesses

      All sorts of companies can get short-term business loans even though they have bad credit. First Choice loves to help all kinds of companies. The following markets are just some of the businesses we work with: Building and construction, Electrical contractors, Painting, Carpentry, Roof repair, Plumbing, Cooling and Heating, Masonry & Stone, Driveway & Parking Pavement, Water Well Drilling, Wrecking & Demolitions, General Building Contractors, Truck, Heavy Construction, Moving Company, Restaurants/Bars, Gasoline service stations, Interior Decorators, Rigging and Scaffolding, Automotive/Mechanic Repair Shops, Auto Body repair and Painting, Tire Shops, Beauty Shops, Pest Control and Home Health Providers. Business loans with serious credit problems can be had by these companies and many more. If you meet the criteria we touched on previously, First Capital can work with you.

      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 In

      Merchant cash advances are provided to business organizations in the following states: 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.

      Only Team Up With Reliable Bad Credit Business Loan Brokers

      For companies with substandard credit looking to secure a small business loan for bad credit, always check the reputation of the agent. There are plenty of different lending institutions, so you have to navigate carefully. It is unfortunate when a borrower is declined because a broker provided incorrect relevant information to a lender.

      It is extremely important that the brokerage firm has an in-depth understanding of the underwriting process. They should really know their lenders well and have the capacity to guide the borrower through the process. You will also want to ensure the brokerage firm is not showing your deal to a wide variety of lending institutions.

      A borrower’s credit score can be adversely affected when the application is shopped around to multiple lenders. Deals that are sent in tandem like this can make your credit score take a plunge even further. You do not want this to happen, primarily when a low credit score is why you are shopping for alternative lending in the first place. Picking a dependable lending house like First Choice Business Capital will save you this heartache.

      Get in Touch With Us Now for Your Bad Credit Business Loan

      It takes a long time for your credit score to improve. So, why wait that long for your bank to accept your loan application when First Choice Business Capital won’t keep you waiting? You do not need to put up your personal items as collateral, and you do not need good credit. This is a business opportunity that is just way too good to pass up. Call us today or complete the short online application to get the process started right now!

      Call Now:      855-889-1990

      First Choice Business Capital

       Norman, OK, United States


      Communities we serve: 

      Oklahoma City, Norman, Edmond, Lawton, Moore, Broken Arrow, Tulsa, Midwest City, Enid

      73072, 73071, 73069, 73026, 73068, 73160, 73019, 73070

      Touch to Call!