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The fastest, Easiest Business loan application process! We've made business lending easier through our own unique application process. APPLY HERE
  •  No Collateral
  •  Lowest Rates
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  •  Any Credit ok

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BUSSINESS LOANS
Empowering business owners to grow and pursue their passion
  • Overview
  • How It Works
  • Loan Types
  • FAQ
  • How To Apply
OVERVIEW
First Loan Choice has access to a strategic network of business underwriters offering a wide range of business loan options. From a simple Merchant Cash Advance to Invoice & Real Estate Financing, we have loans tailored to each merchants specific needs and goals. At First Loan Choice, we work together to create a faster, smarter, simpler way to fund your business as quickly as possible.We pride ourselves on funding businesses that are typically more difficult to obtain funding for with manageable payments and terms.
  • Unsecured business loans
  • Business loans bad credit
  • Business funding loans
  • Business financing loans
Know Your Options
Please refer to our extensive list below to view every loan option we offer to help your business grow. We offer every loan option available in today's marketplace and can answer all questions as well as make sure you are funded as quickly as possible.
 

FLEXIBLE FINANCING OPTIONS

Utilize flexible working capital to fulfil your business' working capital requirements.

  • Small Business Loans
  • Merchant Cash Advances
  • Lines of Credit
  • Term Loans
  • Home Equity Lines of Credit

BUSINESS LOAN FEATURES

  • Unsecured Capital
  • Any Credit OK
  • Flexible Terms
  • Funds in 24 hours
  • Fast & Secure
  • Directly to your business bank account
 

FUNDING REQUIREMENTS

We only have 3 requirements to be eligible for our working capital.

  • 6 months in business
  • $10k in monthly deposits
  • Business checking account
  •  
  • How do you want to apply?
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AT A GLANCE
Maximum Loan Amount
$500 - $5,000,000
Loan Term
6 - 48 months
Interest Rates
Starting at 5.9%
Speed
As little as 24 hours
Period for Repayment
6 to 60 Months
Annual Percentage Rate
5.9% to 21.9%
Total Cost of The Loan
Vary with Accordance to the Lender
GET STARTED TODAY
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HOW IT WORKS
1
Apply conveniently from our website
Apply from our site. We reach out to you right away.
2
We reach out to you right away
Next, we ask a few questions in order to help with your best option.
3
We move right into funding
Lastly, we'll send you an application to proceed with placing you on the correct loan program.
Business Loan Types
Small Business Loans (SME & SMB)
Merchant Cash Advance (MCA) Loans
Short-Term Loans
Invoice Factoring
Equipment Financing
Business Line of Credit
Term Loans
Account Receivables Finance
Supply Chain Finance
Inventory Finance
Unsecured Business Line of Credit (UBLOC)
ACH Loans
Small Business Startup Loans
Intellectual Property Finance
Freight Factoring
Construction Factoring
Small Business Loans (SME & SMB)

Small business loans are available from a large number of traditional and alternative lenders. Small business loans can help your business grow, fund new research and development, help you expand into new territories, enhance sales and marketing efforts, allow you to hire new people, and much more.

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Maximum Advance Amount

$150,000

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Loan Term

6 months to 4 years

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Interest Rates

7.9 - 19.9%

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Speed

As little as 2 weeks

Apply to the Industry's Best “ Small Business Loans ” with First Loan Choice Today!

Find Out If You Qualify
Merchant Cash Advance at a Glance

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral–even if you don't have a great credit score.

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Maximum Advance Amount

$2,500 - $250,000

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Repayment

Automatically deducted each day through your merchant account

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Factor Fee

1.14 - 1.18

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Time to Funding

1 week

The Pros and Cons

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral–even if you don't have a great credit score.

  •  Quick access to funds
  •  Easy approval process
  •  Bad credit is accepted
  •  Suitable for a wide range of business purposes
  •  Higher fees than with traditional loans
  •  Less flexibility to change merchant service providers
  •  Daily deduction of credit card receipts reduces cash flow

Apply to the Industry's Best “ Merchant Cash Advance ” with First Loan Choice Today!

Find Out If You Qualify
Short-Term Loans at a Glance

Short-term loans are designed to meet short-term financing needs. They can be a flexible financial tool to better manage cash flow, deal with unexpected needs for extra cash, or take advantage of an unforeseen business opportunity.

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Maximum Advance Amount

$2,500 - $250,000

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Loan Term

3 - 18 months

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Interest Rates

Starting at 10%

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Speed

As little as 1 day

The Pros and Cons

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral–even if you don't have a great credit score.

  •  Set payment structure
  •  Limited paperwork
  •  Bad credit is accepted
  •  Suitable for a wide range of business purposes
  •  Annual costs higher than those of longer-term loans
  •  Weekly payments could prove difficult to make for businesses with sporadic revenue

Apply to the Industry's Best “Short-Term Lenders” with First Loan Choice Today!

Find Out If You Qualify
Invoice Financing at a Glance

Accounts receivables financing companies advance you cash collateralized by your business's outstanding invoices–giving you an excellent way to put more money into your business right away. With invoice financing, you could get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later. It's the perfect solution to cover for late–paying customers or cash flow slowdowns.

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Maximum Advance Amount

Approx. 50 to 90% of the total invoice amount.

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Repayment

When a customer pays the invoice, you receive the remaining 10-50% reserve amount, minus the fees.

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Factor Fee

Approx. 3% + %/wk outstanding

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Speed

As little as 1 day

The Pros and Cons

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral–even if you don't have a great credit score.

  •  No need to wait for invoice payment
  •  Invoices serve as collateral
  •  Based on credit of the invoiced business
  •  Can have higher fees than traditional financing
  •  Fees based on time for invoice to be paid off

Apply to the Industry's Best “ Invoice Financing ” with First Loan Choice Today!

Find Out If You Qualify
Equipment Financing at a Glance

Equipment financing can be a fast and simple way to fund up to 100% of the value of the computers, machinery, vehicles, or whatever else you need to run your business.

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Maximum Advance Amount

Up to 100% of equipment value

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Loan Term

Expected life of equipment

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Interest Rates

8% - 30%

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Speed

As little as 2 day

The Pros and Cons

Merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral–even if you don't have a great credit score.

  •  Quick access to cash
  •  Limited paperwork
  •  Equipment serves as collateral
  •  Equipment could be obsolete by the time the loan is fully repaid
  •  Might need to depreciate equipment, so you can't deduct full cost each year

Apply to the Industry's Best “ Equipment Financing ” with First Loan Choice Today!

Find Out If You Qualify
Business Line of Credit at a Glance

A business line of credit gives you capital to meet a whole variety of business needs. Draw on your business line of credit to get more working capital, buy inventory, handle seasonal cash flow gaps, pay off other debts, or address almost any other business emergency or opportunity.

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Maximum Advance Amount

$10,000 to over $1 million

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Loan Term

6 months to 5 years

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Interest Rates

7 to 25%

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Speed

As little as 1 day

The Pros and Cons
  •  Only pay interest on funds are drawn
  •  Capital is available when needed
  •  Suitable for a wide range of business purposes
  •  Bad credit is acceptable
  •  Excellent way to build your credit score
  •  Might need to provide updated documents upon each draw
  •  May require collateral
  •  Higher rates for lower credit scores

Apply to the Industry's Best “ Business Line of Credit ” with First Loan Choice Today!

Find Out If You Qualify
Term Loans at a Glance

A traditional term loan is probably the most common form of a business loan, so it's pretty easy to understand. You borrow a lump sum of money–usually, for a specific purchase you're making for your business–and pay the loan back over a set term, most often at a fixed interest rate.

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Maximum Advance Amount

$25,000 to $500,000

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Loan Term

1 - 5 years

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Interest Rates

7 - 30%

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Speed

As little as 2 day

The Pros and Cons
  •  Set payment structure
  •  Suitable for a wide range of business purposes
  •  Lower monthly payments than short-term loans
  •  Longer payment terms than short-term loans
  •  Potential prepayment penalties

Apply to the Industry's Best “ Term Loans ” with First Loan Choice Today!

Find Out If You Qualify
Small Business Startup Loans at a Glance

The Small Business Administration, private investors, crowd funders, family, and friends are all tried-and-true options for financing your startup business. Each has their pros and cons, so make sure to explore every possibility! If you're interested in a more traditional loan to get working capital and grow your business, we have three small business startup loans that can help you get the cash you need. These three products–equipment financing, business credit cards, and the credit line builder are great options if you have a strong personal credit score and are looking to build up your business credit, too.

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Maximum Advance Amount

$150,000

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Loan Term

6 months to 4 years

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Interest Rates

7.9% - 19.9%

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Speed

As little as 2 weeks

The Pros and Cons
  •  Good for young businesses with limited financial history
  •  Interest free for first 9 to 15 months
  •  No prepayment penalty
  •  Only a credit report needed for pre-approval
  •  Can take 30 to 45 days to complete financing process
  •  Functions as a high-limit credit card, not as cash
  •  Exceptional credit required

Apply to the Industry's Best “ Startup Loans ” with First Loan Choice Today!

Find Out If You Qualify
 
Why These Lenders?

Only 20% of businesses that apply for a business loanget approved through big banks. The solution to that problem is First Loan Choiceworks with online lenders that have lower approval standards and are willing to take more risks. In addition, they offer better interest rates than conventional lenders would and provide borrowers with more payment options than a big banks would, do not miss out on the chance to expand your business, apply for a business loannow

Apply Now
Merchant Cash Advance (MCA) Loans

MCA Loans are provided to small businesses who can draw a lot of revenue on their monthly CREDIT CARD Transactions.

MCA Loans are similar to ACH Loans in that they are both repaid on �purchased� future business through the credit card transactions.

MCA Loans differ because they are not always paid daily, they are paid when the merchant batches out the credit card transactions (usually no longer than 12 days) and the payment is drawn from the total batched amount.

The factoring rate on an MCA loan is a bit higher than that of an ACH loan because MCA loans are not required to be paid daily.

Unsecured Business Line of Credit (UBLOC)

A UBLOC Loan is a VERY good option for stable small business with decent credit.

These loans can take the weight off the monthly deposit amounts if they are NOT over 10,000.00 and rely heavily on credit.

A score that can approve a UBLOC is roughly a mid-600 or higher with last year's income to not be under 50,000.00.

A UBLOC is extended usually in amounts of 30 or 60,000.00. You may only borrow what you need and you may keep tapping into your UBLOC account at any time as long as all payments are made accordingly.

In some cases, a small success fee is sent to First Loan Choice after the loan is approved and you receive your funds.

Start Up Loans

Startup Loans are VERY hard to gain approval for. Maybe 2% of all institutions honor these loans aside from the Standard SBA Loan.

Startup Loans require credit score over 750�NO Collections for 3 years, NO Bankruptcies, NO Tax Liens, and NO Judgements.

Last Year's Income should be equal to the loan amount & Proof of current employment is required.

You may be required by First Loan Choice to provide an authorized user to assume risk on your behalf if the loan is not repaid.

Equipment Financing

First Loan Choice has relationships with industry specific appraisers and funding sources to ensure our clients get the most liquidity out of their assets. We understand the value of your equipment and ensure that you have the right options for your business.

Equipment lending is typically a component of a collateralized loan. While equipment funding can be done on a stand-alone basis, it is often combined with other assets.

There are many benefits to these types of equipment lending facilities:

  • You raise cash flow through existing assets for expansion
  • Low cost of capital versus stand-alone facilities
  • You will receive the working capital you need without giving up equity
  • Expand working capital base
Turn your receivables into cash NOW, and gain the working capital and the peace of mind your company needs to succeed!
Account Receivables Finance
Turn your accounts receivable into cash flow!

We specialize in receivables lending for growing companies that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Receivables lending is part of a collateralized loan. You simply pledge your accounts receivable to a lender and receive up to 90% advance. This type loan is a revolving line of credit that fluctuates with the amount of open accounts receivable.

There are many benefits to this types of receivables loan:

  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • You will receive the working capital you need without giving up equity
  • Bridge the gap between your invoices and collection
  • Receive cash within days of generating an invoice
  • Gives you the confidence to fulfill larger contracts
Real Estate Finance

Commercial Real Estate Financing is a collateralized loan. Loan to value and as well as occupancy levels determine the terms of the loan.

There are many benefits to Commercial Real Estate Financing:

  • You will receive the working capital you need without giving up equity
  • Purchase additional properties
  • Maintain operating expenses
Supply Chain Finance

Companies with patents, trademarks, brands, etc. can receive funding on these assets if they are of considerable value and can be defined by an estimated valuation. IntelleSupply Chain Finance allows companies to purchase inventory on extended terms from its suppliers and often receive early payment discounts. Banks and supply chain finance companies pay suppliers directly and then collect from you at the maturity date. We have experience in putting together supply chain finance programs as part of an overall supply chain management program.

Supply chain financing is typically an add on to an existing asset based or cash flow working capital line of credit.

There are many benefits to supply chain management facilities:

  • Financing accounts payable fees up working capital for expansion
  • Maturity periods from 90 days to 360
  • You will receive the working capital you need without giving up equity
  • Gives you the confidence to fulfill larger contracts
Inventory Finance

Whether you're a manufacturer, distributor, supplier, or dealer, First Loan Choice can help you fund the flow of inventory. Inventory funding is critical for companies that need to keep several different items in stock for just in time delivery, or for companies that need to keep inventory on hand for retail replenishment.

Inventory funding is especially useful for businesses that must pay their suppliers in a shorter period of time than it takes them to sell their inventory to customers.

There are many benefits to this type of inventory loan:

  • Allows you to use your inventory as a bankable asset
  • Provides a solution to seasonal fluctuations in cash flows
  • Allows you to acquire extra inventory when you need it
  • Helps your business achieve higher sales volume
  • Can work in conjunction with receivable and purchase order financing
Intellectual Property Finance
Turn your intangible assets into cash flow

Companies with patents, trademarks, brands, etc. can receive funding on these assets if they are of considerable value and can be defined by an estimated valuation. Intellectual Property Financing is typically for mature companies that are looking to leverage additional assets for expansion. Commercial Finance Partners has years of experience helping clients work with banks and finance companies to gain the best rates and terms.

While funds are being provided against a percentage of the estimated value of the intangible assets, lenders will typically have a first priority interest in intangibles as well as other assets as part of the overall loan agreement.

There are many benefits to these types of patent funding:

  • You will receive the working capital you need without giving up equity
  • Generate working capital for research and development
  • Gives you the confidence to expand
  • Receive funding at bank rates
Trade Credit
Mitigate risk and trade strategically

There are several trade instruments available to companies trading at home and abroad. By utilizing various forms of letter of credit, letter of guarantee and credit insurance, we are able to structure transactions that allow our clients to mitigate risk and gain more control in commercial transactions.

Letter of credit, letter of guarantee and credit insurance are financial instruments used in domestic and international trading. These instruments are typically offered through banks, private finance companies and insurance companies.

There are many benefits to trade credit instruments:

  • Increase sales by extending credit with accounts receivable insurance
  • Utilize letter of credit instruments to pay overseas suppliers
  • Utilize letter of guarantee instruments to guarantee supplier credit
  • Increase import/export trade while mitigating risk
Invoice Factoring

We specialize in receivables factoring for growing companies that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Factoring invoices is not a loan, and is often referred to as 'off balance sheet' financing. You simply sell your invoices to a lender and receive up to 90% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to these types of invoice factoring facilities:

  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • Receivables factoring is often done on a 'non-recourse' basis where the factor takes the credit risk for customer bankruptcy
  • You will receive the working capital you need without giving up equity
  • Bridge the gap between your invoices and collection
  • Receive cash within days of generating an invoice
  • Gives you the confidence to fulfill larger contracts
Medical Factoring

We specialize in medical receivables funding for growing practices that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Healthcare factoring is not a loan, and is often referred to as 'off balance sheet' financing. You simply sell your invoices to a lender and receive up to 80% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to this type of medical factoring:

  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • You will receive the working capital you need without giving up equity
  • Bridge the gap between your invoices and collection
  • Receive cash within days of generating an invoice
  • Gives you the confidence to fulfill larger contracts
Freight Factoring

Owner operators, fleets and brokers can take advantage of freight bill factoring programs at very competitive rates and terms. Accounts receivable financing is available to companies with large fleets and solid operating history.

Freight bill factoring is not a loan. You simply assign your accounts receivables to a lender and receive up to 95% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to accounts receivable financing programs:

  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • High advance rates allow you to maximize working capital
  • Bridge the gap between your invoices and collection
  • Take advantage of fuel discounts by receiving advances to fuel cards
Construction Factoring

Commercial construction companies need cash flow to pay suppliers, labor and other expenses while they wait for payment. Our underwriters understand progress billing, lien releases and other nuances that traditional factoring companies are not accustomed to.

Construction factoring is an advance against open invoices and not a loan. You simply assign your accounts receivables to a lender and receive up to 80% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to using a construction factoring company:

  • Cover overhead expenses and pay suppliers in time
  • Factoring company ensures A1A paperwork is properly completed to get paid in time
  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • Gives you the confidence to fulfill larger commercial construction contracts

We work with many well-capitalized investment funds and underwriters that are aggressively approving new transactions. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times.

Spot Factoring

Occasional working capital needs due to seasonality or large contracts. While the cost of funding individual invoices is more expensive than traditional factoring, you only submit invoices when you need working capital which can lower the overall effective cost.

Spot factoring services are considering an advance against invoices and not a loan. You simply assign your accounts receivables to a lender and receive up to 90% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to this type of receivables factoring:

  • Your cash flow is directly tied to your sales and as your business grows so will the available capital
  • Spot factoring services give you flexibility - only factor invoices when you need the money!
  • Factoring receivables bridges the gap between your invoices and collection
  • Gives you the confidence to fulfill larger contracts
SBA Loans
Take advantage of government sponsored lending

The Small Business Administration guarantees loans to banks and financial institutions for applicants that meet the Small Business Administration guidelines. We have funded many of these types of bank loans and will assist you in gathering all of the necessary documentation to fund the line of credit.

Small Business Administration backed loans are funded by banks and financial institutions that rely on your personal and business credit as well as the cash flow of the business.

There are many benefits to these types of small business loans:

  • Low interest rates
  • 10 - 20 year term loans
  • Can be used for acquisition or expansion
  • You will receive the working capital you need without giving up equity

We work with many banks and private finance companies that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times.

Turn your good credit history into cash NOW, and gain the working capital and the peace of mind your company needs to succeed!

ACH Loans
Unsecured Business Line of Credit (UBLOC)
FREQUENTLY ASKED QUESTIONS
Do you have a fee for your service?
No. Our service is 100% free!
Will this affect my credit?
Yes. The lenders do verify credit scores. That's why we're here. We'll provide the best loan option to fit your current situation without wasting your time with lenders we know will not approve.
If I choose to consolidate/settle my debt, do I have to close my credit card accounts?
Once you send back your application, we will let you know if any of these accounts need to close. But based on our experience, we request you close any credit account you choose to no longer use.
Where is your office located?
Coral Springs, FL
Why would I work with First Loan Choice vs. any other business lender offering me similar terms?
We have many differences that many other lenders cannot offer. Most lenders don't utilize experience and education when assisting with financing, they'd hire anyone who can read and write. First Loan Choice uses the strictest hiring process in order to bring the best agents to help the best people!

If you are looking for financing now, you may have come across agencies who "match" clients with loan options. The problem there is that you will NEVER speak with that agency again and therefore are back on your own looking for loans. We walk you right into funding! And yet other agencies are clever credit repair companies disguised as someone who can give you money. First Loan Choice is in the business of lending and LENDING ONLY! We'll tell you like it is and guide you in the right direction always!
How does First Loan Choice make money?
First Loan Choice, through years of experience and education in the loan industry, has its own premium network of lenders. These lenders all pay First Loan Choice a separate fee if you are approved and funded.
What are your interest rates?
Personal loans start at 5.9% APR. Business loans start at 1.12% factoring rates.
What is the maximum PERSONAL loan amount I can get now?
What was last year's income after taxes? (Usually you can get 50-60% of your income as long as you are NOT revolving any other loans)
What is the maximum BUSINESS loan amount I can get now?
What are your average monthly sales deposits? (On business loans, they can max at 125% of the client's monthly deposits as long as the business has no other revolving loans)

Our User Experience Speaks for Itslef - Rated Excellent on

January 8, 2016
Great Experience!! First Loan choice is the greatest!!
Andres was GREAT to work with, I was approved same day and working on fixing credit now too!!
-Mariah
December 4, 2015
First Loan Choice Is Great!
I enjoyed my experience with First Loan Choice, I was desperately in need of a loan and they provided me with everything I needed! Great company!
-Elvis
December 4, 2015
AWESOME EXPERIENCE
I was helped with all my needs and the customer service was great!
-Vicky
November 16, 2015
Very responsive and quick to action!
Communication was fast and courteous. They followed up to make sure everything worked out. I would recommend this is where you start.
-Dave
Apply now to get the cash you need!
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 -866-978-6863,  info@firstloanchoice.com Copyright © 2016 First Loan Choice ,LLC . All Rights Reserved.
7061 West Commercial Boulevard, Suite 5-G, Lauderhill, Florida 33319
Disclaimer: Debt Management services are solely provided by a tax identifiable nonprofit organization in which First Loan Choice is not or does NOT claim to be. First Loan Choice will assist clients with connecting to a nonprofit debt management firm. First Loan Choice works with attorneys for credit & debt settlement services. First Loan Choice is NOT or does NOT claim to be licensed attorneys or paralegals in any way. First Loan Choice is not a lending institution or does NOT claim to be. Not ALL loan options are solely provided by First Loan Choice and some lenders will refer client to additional financial assistance options. The Annual Percentage Rate or APR is predicated by a client's credit history as well as Debt to Income Ratio (DTI). First Loan Choice has no authority to "guarantee" loans in any way and are dictated by underwriters and direct lending institutions. Debt Services and Some Loan Services are not available in all 50 states. Contact a representative for exact information.