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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

Business Loan With Bad Credit in Victoria, TX – Can I Get One?

Yes!  First Choice Business Capital helps you secure any bad credit business loans you need to have to keep your business in making money, even with bad credit.  We have many finance options available for all kinds of companies, regardless of a bad credit history; And the approval process is fast as well, 24 hours in most cases!

Getting A Business Loan With Bad Credit In Victoria

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 through traditional means (provided they have good credit of course)!  Poor credit alone is one of the fundamental reasons that banks deny business loans.  Another common reason could be due to having a judgement or lien against your business.

We pride ourselves in helping companies in Victoria, TX get the funds they need regardless of what your credit history looks like, and we have many options that we can offer to suit your business objectives.  The core of every business is its working capital… That’s why we understand that getting denied can be demoralizing, and many companies surrender their hopes for a loan once the bank denies them.

When the economic climate tanked in 2008, a tremendous amount of businesses suffered. Since then, getting a bank loan has become much more tricky; regulations instituted after that time have cut availability to capital for a considerable amount of establishments. The sad thing is, it is not just the large corporations suffering the brunt of these new laws.

The economic downturn affected small and medium-sized companies with 50 or less employees as well.  Luckily, alternative loan providers such as First Choice Business Capital have stepped in to help solve this dilemma.  If you are interested in a loan process that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the funding you need, and a lot faster than you ever thought possible.  So despite of what you may have heard about the difficulty of getting a loan, it is just a misconception as businesses with bad credit can readily get the funding they need by leveraging the various alternative-lending alternatives available to them.


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Bad Credit Business Loan Options

It is sad to know that many business owners do not know all their options when it comes to business loans. But the good news is, you actually have some feasible options aside from the traditional banks and the best part is, these business loans are unsecured!  That’s right, you can get business loans with bad credit when banks have turned you down.  In Fact, business loans for bad credit is our area of expertise!  

Less than excellent credit does always have to equal a denial.  We provide business loans with poor credit every single day. Plus, First Choice Business Capital can typically funds loans within 48 hours.  Small business loans bad credit? No worries at all!

First Choice understands that when business are searching for working capital, they typically need funding as quickly as possible, which is why we pride ourselves on getting speedy approvals with an extremely high percentage approval rate for those businesses that apply for a business loan with us.

Unsecured Loans, Short-Term Loans & Business Cash Advances

Alternative lending options such as these are often referred to as a merchant cash advance, or MCA. For companies that have been turned down for a business loan by a bank, these kinds of poor credit business loans another opportunity to get funding.  Not only that, no collateral is needed to qualify for a business cash advance, which makes it even easier to qualify for a loan if you’re a business with poor credit history.

There are financing options for all sorts of companies; so no matter what profession you are in, we can help. Note:  we do not offer start-up loans, as you need to have a business that has been running for a minimum of three months to qualify. Other than that, just need to see that you’re depositing a minimum of eight thousand dollars into your business bank account over the last 3 months.

Merchant Cash Advance Strengths

MCAs (Merchant Cash Advances) can be a very powerful option when it comes to getting funding for your business.  And, merchant cash advances offer many benefits to all kinds of companies regardless of credit. One of the leading advantages is how quickly loans are funded; it is remarkably fast in comparison to a loan from a bank. It’s even possible for a business to have an approval in only one business day.  In addition, the approval rate of these loans is relatively massive compared to typical bank loans as well.  Believe it or not, over 90 percent of business loan applications are approved!  

Also, the process for a merchant cash advance loan approval is very simple.  Generally, a one page easy application is the only thing that is needed. The application includes having your business’s last six months of bank statements, too. A merchant cash advance is basically a short-term business loan that can get your business up and running again very quickly. These loans are generally paid back in fewer than 18 months, and some in as little as four months. 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 made every month.


First Choice Teams Up with All Types of Companies

At First Choice Business Capital, all sorts of companies can get short-term business loans even with bad credit. First Choice loves to help all kinds of companies from various industries. The list below is a few of the types of businesses we want to hear from:

Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Night clubs and Restaurants, Beauty Shops, Carpentry, Development, Driveway and Parking Pavement, Gasoline Service Stations, General Building Contractors, Home Health Professionals, HVAC, Interior Decorators, Brickwork and Stone, Pest Control, Rigging and Scaffolding, Tire Shops, Truck, Water Well Drilling, Wrecking and Demolition companies and more. There are a lot more company specific niches that can be serviced for business loans with bad credit. 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!

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

Merchant cash advances are also available 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.


Working With a Credible Finance Broker for Bad Credit Business Loans

There are quite a few shady companies in this industry, preying on those looking for bad credit small business loans. Due to this, it is essential that you only deal with reputable brokers  like First Choice Business Capital.  Make sure you perform your due diligence while you wade through the loan possibilities that are readily available. Borrowers are sometimes declined because wrong information is provided to lending institutions by the brokerage firm.

A good brokerage house gets businesses funded because they have a good understanding of the underwriting process for each of the different lenders available to them.  Any lenders that can syndicate the deals may even be able to maximize loan amounts. However, you do not want your broker submitting your application to a number of lenders. Deals that are shopped around to multiple lenders can literally hurt the borrower’s credit score.  That’s why it is critical that you work with an alternate lending company like First Choice Business Capital for your business loans when you’re credit rating is less than stellar.

Got Bad Credit Business Loan needs?  Call Us Today!

There is no need to stall — waiting for your credit score to build up before applying for a business loan. Don’t let any business potential  loans pass you by,  especially when you know you don’t have to forfeit your personal belongings or property to use as collateral for a loan. Call us now or fill in the short online application to get the process started right now!

Call Now:      (855) 889-1990

First Choice Business Capital

  Victoria, TX, United States

(855) 889-1990

Communities we serve: 

San AntonioSan MarcosCorpus ChristiVictoriaNew Braunfels

77901, 77904, 77905, 77968, 77902, 77903

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