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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

Can I Get A Bad Credit Business Loan in Corpus Christi, TX?

The answer is Yes!  If you’re searching for bad credit business loans in Corpus Christi – You’re in luck because if you want a quick and hassle-free resolution; First Choice Business Capital can lend you a hand today!  At First Choice Business Capital, we understand the stress that getting denied for loans from traditional banks can cause and why we pride ourselves in helping businesses in need.

What to Expect From Business Loans With Bad Credit?

Having a less than stellar credit score shouldn’t hamper your chances for a business loan from traditional banks, which is why (unlike traditional banks) we do not lend based on your credit; and instead we base it on a variety of other factors particularly the revenue generated by the business.

Getting a Business Loan With Bad Credit is easier than you might think.  If you are like most businesses we talk to… you are quite likely feeling aggravated from being denied over and over from traditional lenders, but don’t worry because we can help.

We realize that businesses with bad credit get denied for loans more often than not.  Poor credit alone is typically the leading reason that banks deny business loans, but companies may also get denied due to a judgment or lien against them.

Working capital is the foundation on which a company operates.  Unfortunately, being turned down by a bank causes many businesses simply give up after hearing “no.”  And that is sad because when a company does not have steady cash flow, chances are they are not going to stay in business very long.

Ever since 2008, when the economy collapsed — even those companies that are considered successful have had a hard time securing bank loans due to bad credit.  There are new rules in place as well that make the process even more challenging than it was before the collapse.

The sad truth is that the entities affected by these are not just large corporations, but those with under 50 employees.  This is quite a dilemma, but it has also opened the market up for alternative lending options.

At First Choice Business Capital, we are skilled in high-risk funding for those businesses that are affected by these regulations. Financing options for businesses with bad credit is very feasible for most businesses that are generating regular streams of income.

We can even provide 24-hour approvals in many cases!  So don’t delay your chances of getting funding because businesses with subprime credit can get the funds they really need with a simple application process. When traditional routes fail, back-up loan providers like us can offer the assistance needed.

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Options Are Available In Corpus Christi, Texas!

Many businesses are still unaware that short-term loan solutions are available to them.  For example, un-collateralized loans are often provided to small, medium and large size businesses (even with poor credit). That’s right, you can now easily get business loans with bad credit. Less than excellent credit does not have to mean denial. We specialize in providing business loans with poor credit.  First Choice Business Capital typically funds loans within 24 hours. Yes, you can get funded in just 1 day!  With First Choice Business Capital, you can get bad credit business loans fast (within just one day)!  We take pride in helping you solve your financial dilemma as quickly as possible, and we possess a high approval rate as well. 

Short-Term Loans, Business Cash Advances and Unsecured Loans

Merchant cash advances are also referred to as an MCA. When conservative options do not work due to lack of perfect credit, these types of poor credit business loans can be a life-saving solution for a company in dire need of funds.  What’s great is that no collateral is actually needed to qualify for a business cash advance; this makes it even easier to qualify for a loan if you’re a business dealing with a poor credit history. We provide loans for a variety of industries, so it is very likely we would be able to assist you too regardless of the type of business you operate.  Please note however, that we do not provide start-up loans, so you must absolutely have a business that has been operating for a minimum of three months. Apart from that, all we would need to see is that you deposit a minimum of eight thousand dollars a month (for last three successive months).

Perks Of Merchant Cash Advances

Did you know that applying for a merchant cash advance has its perks?  For one, these loans are funded much faster than those loans from traditional banks. In fact, most of these loans are approved in just 24 hours. That can never happen with traditional bank loans. The loan procedure is also pain-free.  In fact, it’s just a simple one page application submission.  We ask for the last 3- 6 months of your business bank statements.  Once we have this information, an approval can be given very quickly.  That’s why a merchant cash advance is an excellent solution for companies that need cash quick.

A short-term business loan in the form of a merchant cash advance is quite likely just what you need. These loans, which usually run from 4 to 18 months, and have a fixed cost of capital. An MCA can be paid by the day or week.  Daily payment loans are paid every business day. Also, with an MCA, there are usually 20-22 payments each month.



We Team Up with All Types of Companies

Short-term business loans bad credit can be acquired by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. The following industries are just some of the businesses we work with:

Home Health Services, HVAC System, 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. Any of these companies and many more can acquire business loans with bad credit. If you meet the criteria we discussed 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!

Are You in One of These States? We Can Help!

Merchant cash advances are accessible to business entities 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.

Only Consult With Dependable Bad Credit Business Loan Brokers

You should know… there are unethical companies in this industry, preying on those looking for bad credit small business loans. Considering this, it is essential to ensure that you only deal with reputable lenders. You should be careful, as navigating through all the different lending institutions can be a little bit tricky. For example, there are also times when borrowers are turned down because the loan brokers provide the wrong information to prospective lenders, which can easily kill your chances.   Respectable brokers know the financial institutions and the underwriting process very well. They know what it takes to get you the business capital you’re looking for.

The amount of the credit could also be raised if the brokerage house knows how to syndicate the transaction. Those lenders that can syndicate the deals may even be able to boost loan amounts. Also, you do not want your broker submitting your application to a number of lenders. Deals that are “shopped” to a wide range of lenders can certainly hurt the borrower’s credit score, which is why it is critical that you work with an experienced alternate lending company like First Choice Business Capital for all your bad credit business loans.

If You Need a Bad Credit Business Loan, Call Us Without Delay

Typically, it takes a very long time for your credit score to improve. So, why hold up everything you are trying to do with your business such as expansions?   Remember, you do not need to put up your personal possessions as collateral, and more importantly you do not even need good credit. This is a business opportunity that is just way too good to pass up. Change the direction of your business by getting in touch with us now!

Call Now:      (855) 889-1990

First Choice Business Capital

  Corpus Christi, TX, United States

(855) 889-1990

Communities we serve: 

San Antonio, San MarcosCorpus ChristiVictoriaNew Braunfels

78415, 78413, 78412, 78414, 78418, 78411, 78410, 78404, 78405, 78416, 78408, 78401, 78417, 78407, 78409, 78406, 78402, 78419, 78362, 78370, 78373, 78374, 78380, 78470, 78471, 78473, 78474, 78475, 78476, 78477, 78478, 78461, 78403, 78426, 78427, 78460, 78463, 78465, 78466, 78467, 78468, 78469, 78472, 78480

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