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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 With Bad Credit – Is it Really Feasible?

      First Choice Business Capital can help you secure the business loans you require to keep your business in Rapid City, SD, making money, even when you have bad credit. We understand that having a less than stellar credit score can hamper your chances for a business loan from traditional banks.

      The Truth About Getting a Business Loan With Bad Credit

      Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So, if you have been denied, you may find yourself in the majority. Reasons for declined loans could be as straightforward as a company applying for a business loan with poor credit. A company could also have tax liens or judgments against them. Businesses with bad credit more often than not give up after they are declined for a bank loan.

      When a company does not have access to cash, they are not going to be able to stay in business for very long. In 2008, the market collapsed, and since then even those companies that are making money have had a hard time securing bank loans. There are new regulations in place as well that make the procedure even more challenging than it was before the collapse.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 finance companies to step in to provide much-needed services. If you are interested in a lending process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funds you need, faster than you ever thought possible.

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      Options Are Available in Rapid City, SD, For Low Credit Business Loans

      It could be that you are one of the businesses that are unaware that short-term loan services are offered. Unsecured short-term loan options do exist for companies in your position! There are still loans available for your needs. We offer business loans for substandard credit. What’s even better is that you can get these business loans fast– some alternate loan companies such as First Choice Business Capital can typically fund you within just 24 hours. Do you require small business loans, but have bad credit? First Choice knows that businesses in need require backing now, so we pride ourselves on a high approval percentage that occurs quite quickly.

      Business Cash Advances, Short-Term and Unsecured 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 offer the money required to stay running. You do not even really need collateral in order to qualify for an MCA. We provide finances for a myriad of industries as well, so it is extremely possible we would be able to assist you. We do not provide start-up loans, so you must have a business that has been running for a minimum of three months. In addition to that, we would need to see that you deposit a minimum of eight thousand dollars each for the past three consecutive months.

      What Are The Perks of Merchant Cash Advances?

      MCAs offer lots of advantages to all types of companies like yours. For one, these loans are funded much more quickly than those from traditional banks. Actually, most of these loans are approved in 24 hours. Moreover, above 90% of all applications get a loan approval. Plus, loans are funded within 48-96 hrs after a loan approval. The process for a loan approval is very simple, because just an easy one page application is all that is needed.

      You should also be prepared to produce the last six months of business bank statements. With this information and facts, 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 are looking for. These loans, which usually run from 4 to 18 months, have a fixed cost of capital. An MCA can be paid possibly by the day or week. Daily payments are made five days per week, not counting Saturday or Sunday. For a merchant cash advance, there are usually between 20 and 22 payments every month.


      We Collaborate with Many Businesses

      Short-term business loans when your company’s credit is a concern can be received by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. Here is a sampling of the types of companies we collaborate with: Home Health Services, Heating and Air, 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. Business loans when your credit is bad can be had by these companies and many more. First Choice can help any business that meets the criteria 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 Assist!

      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.

      A Respectable Subpar Credit Business Loan Company

      When trying to get bad credit small business loans, be confident that you are working with a professional broker. There are several different lending institutions, so you have to navigate carefully. Borrowers are sometimes declined because the wrong information is provided to lenders by the brokerage firm.

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

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

      You do not have to wait until after your credit score is better to get a loan. You don’t need to let any business opportunity pass you by, and you don’t have to surrender your personal belongings or property to use as collateral for a loan. You can get this process started right now by filling out the simple form. It is available online, or if you prefer to discuss your options, you can call us today!

      Call Now:      855-889-1990

      First Choice Business Capital

       Rapid City, SD, United States


      Communities we serve: 

      Sioux FallsRapid City

      57701, 57702, 57703, 57709

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