EZ Bank Loan / SBA Lending Innovation at Work

333 South Grand Avenue 33rd Floor, Los Angeles, CA, United States



적은 이자율의 SBA, 중/장기 government loan 을 적은 이자율에 flexible한 terms으로 $5,000 ~ $20,000,000 Commercial loan을 50개주에 걸처 있는 3,000 lenders중에서 여러분에게 꼭 맞는 lenders를 찾아 드리며 Business Line of Credit은 물론 Invoice financing, Equipment financing, Franchise financing, Mid prime loan from $10,000 ~  $500,000 (1~5Years)로 여러분에게 맞는 최선의 loan을 찾아 드립니다.    Need more details? Contact us

Tel: 213-290-0546


333 S. Grand Ave., 33rd Floor Los Angeles, CA 90071

Curating Your Loan

How do you know your current loan fits best in your business? EZ Bank Loan is a lending curator for small and medium businesses. We evaluate and structure your finance and find the best lending options for you. We offer what you truly want- “Peach of mind”. With our platform, your chance to get funding increases with lower cost, faster process, and vast lending selection. EZ Bank Loan creates a value to you not just selling loans.



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.​


  • 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.


  • 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.


  • 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.


  • 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.


  • 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.


  • 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.


  • 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.


  • High approval rates

  • Lower rates than cash advances

  • Minimal documentation required

  • Weekly and Monthly repayments

  • Doesn’t affect traditional bank financing


Still need help? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.

What loan side does EZ Bank Loan handle?

We handle all commercial loan sizes from $5,000 for small merchant cash advances, to well over $20,000,000 for middle-market financing facilities.

What types of businesses and industries does EZ Bank Loan work with?

We work with every and all types of industries. Small, medium and large businesses work with EZ Bank Loan to handle their financing needs.

Who are EZ Bank Loan’s lenders?

We are really geared toward underutilized small business financing programs like SBA financing. The plurality of our 3,000 lenders are small banks and community banks. With that having been said, we have plenty of lenders that handle any and all types of alternative financing.

What States and regions do EZ Bank Loan’s lenders work in?

EZ Bank Loan has lenders that work in all 50 States of the US.

Do your lenders offer startup financing?

The only start-up financing we handle are SBA 7(a) financing, equipment financing, and loans against ones stocks (commonly-used to fund franchise businesses).

What is the usual time frame to receive funding?

The time period for funding depends on the type of loan the business is seeking. For SBA and traditional financing, the time frame can be between 30-90 days. For alternative financing about 5-10 days. Merchant cash advances take 1-2 days.

What are your fees?

We charge you nothing out-of-pocket for SBA. Most of the time we get paid a success fee from the lenders. In some situations relating to traditional financing where the lender does not offer a referral fee, we charge between some facility amount, and it would only be due at funding.

Do your guarantee success?

No. We are not a lender. But we are confident that EZ Bank Loan is among the most successful financing brokers at finding our clients the best possible financing for their companies.

What credit scores are needed for funding?

Generally, to qualify for bank and SBA financing, a business owner needs to have a credit score over 650. For other forms of alternative financing, credit score requirements can range from 500-650. But with increased lender risk, the higher the borrowing rates.

I have bad credit. Can I still get funding?

Bad credit does not necessarily disqualify you from receiving funding for your business. After looking at bank statements and other required documentation we are better able to evaluate the health of the business and determine whether or not your business qualifies for funding.

I want to start a business, can you get me funding?

At this time, we do not provide funding to start a business. To receive funding from EZ Bank Loan, your Federal Tax ID must be active for at least 3 months and your business must be generating an average of $10k in gross monthly sales. At this point, EZ Bank Loan can work with you to get your business the funding it needs to grow.

Can I use this funding to build my credit?

That depends on the type of product you ultimately qualify for. Some of our products are perfect for building and improving your credit, while others don’t impact your credit at all. Your funding specialist will be able to guide you to the best option should you wish to build or improve your credit.

What about if I’m buying an existing business?

Unless the business has been in your name for at least 3 months and bank statements can show an average of $10,000 in monthly sales we are unable to pre-qualify you for financing at this time.

How do I know that my loan application information is secure?

EZ Bank Loan is committed to providing you with a secure online experience that protects your confidential information. EZ Bank Loan utilizes bank-level security standards to protect your data. This includes encryption, auditing, logging, backups, and safeguarding data.

How can working with EZ Bank Loan be more beneficial for my business than working with a bank?

Small businesses sometimes have funding needs that are below the minimum that banks are able to provide. EZ Bank Loan offers financing options ranging from $3,000 up to $1,000,000. Funding through a bank can take weeks or even months and require collateral. We are able to offer financing products that can get you funded in as little as 24 hours and most options do not require collateral. Our pre-qualification process takes into consideration more than just your credit score. Even if your credit is less than perfect, EZ Bank Loan will work to get your business the funding it needs as quickly as possible.

Once I am approved for financing how can I access my funds?

The funds are deposited directly into your business’s bank account via ACH (direct deposit). If you have any questions about this process, please contact us.

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