PRODUCTS
Curating Your Loan
How do you know your current loan fits best in your business? EZ Bank Loan is a special lending curator for small and medium businesses. We evaluate your finance carefully and structure it to find the best lending options for you. We offer what you truly want- "Peace of mind". With our platform, your chance to get funding increases with lower cost, faster process, and vast lending selections. EZ Bank Loan creates a unique value to your business not just providing loans.
SBA
An SBA loan is a low-interest, government-backed loan, with the longest terms and lowest rates available. Repaid monthly, it is available to businesses that have been in business for at least two years. Collateral is required for loans of more than $25,000.
Benefits
-
Longest terms and lowest rates available
-
Monthly repayment structure
-
Minimum 2 years in business
-
Collateral required above $25,000
Medium-Term Financing
A medium-term loan is a simple interest business loan with a low rate and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required for a medium-term loan, but a personal guarantee is needed.
Benefits
-
Low rates and flexible terms
-
No prepayment penalties
-
No collateral required
-
Personal guarantee required
Short-Term Financing
Short-term financing can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for short-term financing, the required documentation is limited and perfect credit not needed. Nearly every industry can get short-term financing.
Benefits
-
No collateral required
-
Limited documentation needed
-
Perfect credit not required
-
Nearly every industry accepted
Business Line Of Credit
A line of credit is a flexible short-term financial tool that you can use for a variety of business needs, from working capital to purchasing inventory and more. You draw it down as needed and repay weekly.
Benefits
-
Only pay interest on funds drawn
-
Credit is available when needed
-
Nearly every industry accepted
-
May require collateral
Invoice Financing
Invoice financing is based on your outstanding invoices or receivables, and the underwriting process is based on your customer, not your business. Minimal documentation is required and there are no pre-payment penalties.
Benefits
-
Quick access to future receivables
-
Customer based underwriting process
-
Minimal documentation required
-
No pre-payment penalties
Equipment Financing
You need to add equipment to your business but you don’t want to tie up your capital. Equipment finance is available with little or no down payment, in both lease and loan options. The approval process is fast approval, the payment schedule is affordable and there are potential tax advantages.
Benefits
-
Fast approval process
-
Potential tax advantages
-
Lease and loan options available
-
Affordable payment schedule
Franchise Financing
Franchise financing is a short-term funding choice that can help you meet even the most substantial expenses of running a franchise business. The underwriting process is based largely on the strength of the franchisor.
Benefits
-
No collateral required
-
Minimal documentation required
-
Most industries accepted
-
Up to $500,000 per location
Alternative Loans
Mid prime small business loans are a type of alternative financing provided by institutional and commercial lenders to companies that have good credit, good cash-flow, and solid revenue, but still can’t qualify for bank-rate or SBA financing. Mid prime loan sizes usually range from $10,000 up to $500,000 and have terms ranging from 1-5 years.
Benefits
-
High approval rates
-
Lower rates than cash advances
-
Minimal documentation required
-
Weekly and Monthly repayments
-
Doesn’t affect traditional bank financing