Rating based on 29 reviews


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Author ezbob. Screenshot of ezbob website.
[Accessed September 8, 2021]

About ezbob

Most people in the UK as well as around the world can't afford to wait for banks because they require large amounts of paperwork, financials, tax returns, personal guarantees, collateral and high credit.

Many entrepreneurs and small to medium-sized business owners do not know where to turn when traditional banks cannot fund their required loan requests to working capital, expand their businesses or better manage their cash flow. At Ezbob we’re 100% focused on funding for small businesses.

From humble beginnings to an industry leader

We launched in 2012 to solve a major issue facing small businesses: getting money. With shareholders including the UK Government's Angel Co-Fund. We are also proud to be the first internet financial lender in Europe to be appointed as an EU financial intermediary by the European Investment Fund (EIF).

We're a business - just like you

We combined our passion for being a small business with the latest technology to evaluate businesses based on their actual performance, not personal credit. We understand the challenges of building a business through equity, debt and off-balance-sheet financing, maintaining cash flow, making payroll, business expansion and inventory or equipment management.

Our understanding through experience has enabled us to say, “yes we can” more often and faster than traditional lenders - get a short-term loan, small business loan or any other type of financial product from Ezbob! 

ezbob Services

Our business loans give a particular measure of credit to finance real costs, for example, the extension of working offices or the purchase of new or second-hand gear, including vehicles.

Our business loan is intended to help new and existing businesses in getting loans that would have a higher level of risk than would typically be worthy to a giving establishment.

Qualifying requirements

  • Borrower - The business ought to be operating in or from the UK.
  • Businesses will qualify for a small business loan based on their existing infrastructure, incomes and expenditure as well as their financial projections which our dedicated staff members will be able to assist you with. 
  • We forecast based on the success of small businesses, with a unique approach proven to be highly predictive of actual risk involved in your business loan requirements. This means a higher approval rate and a broader range of financial offers for our customers. To us this only means one thing – it works!

Using your business loan

  • establish or buy a new or existing business
  • finance the procurement of genuine property
  • remodel or extend a current business
  • purchase or lease gear
  • provide working capital
  • refinance a current loan

ezbob – Business loan

  • Loan Type Business loans

Benefits of ezbob

  • Get an instant automated decision
  • Get access to pre-approved offers
  • Affordable rates

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Getting a business loan with Ezbob is as easy as one, two, three!

Imagine being able to access financing for your business in three easy steps, without ever leaving the comfort of your own home – well, that’s exactly what Ezbob can do for you and your business.

At Ezbob we don’t merely access eligibility based on credit score – we consider you an individual and make every effort to make the business loan application process as simple as possible.

We don’t require complex financial forecasts, business plans or the mountains of paperwork that banks and other lenders require.

Applying for a Loan with Ezbob

One of the first steps you will take when applying for business financing through Ezbob is visiting our website and creating a user account which will enable you to provide us with the required information and thereafter track the progress and status of your business loan. After inputting your personal and business information you will then need to link to your HMRC, accounting software, business bank account or one of many other platforms to enable us to determine whether you're eligible for a loan and what your needs and capabilities are.

Are you eligible for a business loan with Ezbob?

If you're over the age of 18, have a registered business with a turnover of more than £10 000 per annum and a business account – you're ready to apply for a business loan with Ezbob! We serve a range of industries from wholesalers and retailers to e-commerce and service businesses – we’re here to help you access the business financing you need, regardless of ha industry you're in!

Online, transparent, tailored loans to suit your needs

With Ezbob you can easily apply for a small business loan using already existing financial and business data and get a response. Unlike the traditional banks, we don’t have any preference regarding what you do with your loan – that’s entirely up to you! You can also use our simple loan repayment calculator without worrying about hidden fees – we’re as transparent as it gets! We also offer a huge advantage over traditional lenders since we don’t charge any early repayment fees – so you're free to repay the loan whenever you wish!

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ezbob is a trusted & reliable provider of business loans

In our review, ezbob adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

ezbob is a registered credit provider in UK: FSA 673661

Customer Reviews & Testimonials

April 2019

Ezbob gave me a loan when I was on the verge of giving up.

Amelia H
— Glasgow —

September 2019

Trust Ezbob to give you affordable credit plans when you need them the most.

Dorothy C
— Edinburgh —

ezbob Contact

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