Invest in Your Own Success
At First Capital Business Finance, we offer bad credit business loans that can give you access to working capital that will help you grow your business. We know that a poor credit score can make other lenders turn you away, but we’ll work to find a loan for you even if you have bad credit.
How Your Credit Affects Your Ability To Get a Loan
Lenders use your credit rating as an indicator of your ability to repay a loan. The higher your score, the more likely you are to make on-time payments. A lower score can be a signal that you are more likely to skip payments, fall behind, or default on a loan. Here, we understand that both you and your business are more than a credit score, though. This is why we offer equipment financing and business loans for bad credit.
Do You Qualify For Business Loans?
- 4 to 12 Months Time in Business
- 500 Minimum Credit Score
- Minimum of $8,000 Monthly Gross Revenue
- Available in All 50 States
- No Assets Required – No Real Estate Required
- Loan Amounts from $5,000 to $2 Million
- Business Does Not Need to Process Credit Cards
- Terms Ranging from 3 Months to 24 Months
Types of Bad Credit Business Loans We Offer
Our financing programs are designed to serve the needs of businesses of all sizes in a wide range of industries.
Start-Up Business Loans
If you are just getting started, we will work with you to secure the right financing for all of your startup needs. We can offer new businesses advances up to $2,000,000 on their outstanding accounts receivable. AR advances are available with no credit check. The application process is simple and quick, so you’ll have the money you need to get up and running.
We have financing specialists on hand to help you find a financing arrangement for all types of business equipment, including commercial trucks and construction, office or heavy manufacturing equipment. We can even finance used equipment. We have financing and business loans for startups and existing businesses with both good and bad credit. Our terms range from 12 to 72 months, allowing you to customize financing to your business situation.
Equipment Financing Available!
- Start-up Businesses OK! (No minimum time in business)
- Good & Bad Credit Programs Available
- Terms Ranging from 12 Months to 72 Months
- All Equipment Related to your Business can be Financed!
- Financing from $5,000 to $5,000,000
Unsecured Working Capital Business Loans
We offer both lines of credit and loans that can give you access to much-needed working capital, too. If you are having a cash flow crunch, we can help. Our application process is simple and quick, with same- or next-day approvals possible. With our capital loan program, funding can happen in as little as five days so that you can meet immediate business needs. Our financial consultants have extensive knowledge about underwriting criteria, and they will work to guide you through the application process.
Minimum Qualifications for a Business Loans
First Capital Business Finance has repayment terms range from three to 24 months. Loan amounts are available from $5,000 to $2 million, so you can get the capital you need even if your credit isn’t where it should be. We don’t require you to have a credit card processing agreement or to put real estate up as collateral. We offer generous and flexible business loans for bad credit with just these minimum qualifications:
- A credit score of 500 or higher
- Minimum of $8,000 Monthly Gross Revenue
- An established business for at least 6 to 12 months
Apply for a Bad Credit Business Loan Today
At First Capital Business Finance, we offer unmatched customer service to our clients nationwide. We can help you get the financing that’s necessary to grow your business whether you have good, bad, or no credit. Call 888-565-6692 or contact us to learn more, get prequalified for a business loan, or start your application.
When others say no, First Capital say’s YES
I want to take a moment to thank you and your staff. When other small business lenders say no, First Capital Financing say’s YES. You and your co-workers do what it takes to help small businesses..
Business Loan | First Capital Business Finance