Today, Ezy Pzy Finance connects hardworking business owners with the right lenders, simplifying the process and making it as quick and seamless as possible. Our mission is simple: make business finance Ezy Pzy.
Yes, in many cases. Adverse credit narrows your options and raises your cost, but it rarely closes the door entirely, particularly where the business is trading well now. What matters is being realistic about which lenders will consider you, what the funding will cost, and how to avoid the parts of this market where business […]
When a business needs a vehicle, a machine or a fit-out, there are two broad ways to fund it: equipment finance secured against the asset itself, or a general business loan used to buy it outright. The choice affects your rate, your repayment term, what happens at the end, and in some cases how the […]
Most Australian business owners know they have a credit score. Fewer realise they have two credit files, that business lenders usually read both, and that the two are governed by different rules. This matters because a director with an immaculate personal file can still be declined on the strength of the commercial file, and a […]
It is the first question most business owners ask, and the one lenders are slowest to answer directly. The honest answer is that borrowing capacity is driven less by what you want and more by what your bank statements show. The good news is that the calculation is not a mystery. Most Australian lenders work […]
An unpaid ATO tax debt is one of the few business liabilities that gets more expensive every single day. Interest compounds daily, it is no longer tax deductible, and once a debt passes certain thresholds it can appear on your commercial credit file where lenders, suppliers and insurers can see it. Many Australian business owners […]
Applying for a business loan can feel confusing when every lender has different criteria, documents and approval processes. Some business owners assume approval is based only on revenue or credit score. In reality, lenders usually look at several parts of the business before deciding whether to make an offer. They want to understand how the […]
Business owners looking for funding often come across two common application types: low doc business loans and full doc business loans. Both options can help businesses access capital for working capital, cashflow support, equipment purchases, supplier payments, tax obligations, expansion or general operating expenses. The key difference is the amount of financial documentation required during […]
Access to the right funding can make a significant difference to how a business manages cash flow, handles unexpected expenses and takes advantage of growth opportunities. Two of the most common business finance options available to Australian businesses are business loans and business lines of credit. While both provide access to capital, they work in […]
Business owners exploring funding options often ask the same question: should I get a secured or unsecured loan? The answer depends on factors such as how quickly funding is needed, the amount required, available assets and the purpose of the finance. Both secured and unsecured business loans can help businesses access working capital, manage cashflow, […]