Unsecured Business Loans

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Let EZBANKER.com qualify you and your business for a TRUE BUSINESS LOAN! Other companies offering you daily payment loans? Or is your bank not approving your loan at all? These are our qualifications and highlights for our true business loans

  • NO Pre Payment Penalty
  • Rates starting at 4.99%
  • Principal and Interest Payments
  • Monthly Payments

If you were offered a Daily Payment loan with a competitor that you feel has a high rate and loaded with fees, we would be happy to take a look and see if we can beat your offer. 

Additionally if you have a Merchant Cash Advance or Daily Payment loan outstanding and would like to look at refinance options by lowering your payments, lowering your rate or seeing if your are eligible for more funding please email or call us and ask for one our managers. 


Option A 

Basic application requirements for MONTHLY PAYMENT LOAN options

Product Structure

  • Term loan with monthly payments of principal & interest
  • One time origination fee of 5.99%
  • No prepayment penalties

Basic Eligibility Criteria

  • Borrower FICO: Greater than or equal to 660
  • Years in business: Greater than or equal to 2 years
  • No sole proprietorships or non-profits
  • No history of felonies or financial criminal activity
  • No business or personal bankruptcies within last 7 years
  • Must submit release documents or show proof of payment plan for outstanding tax liens greater than or equal to $5,000
  • No businesses in manufacturing, wholesale trade, transportation or warehousing industries

This list of basic credit criteria is meant to serve as guidance. Meeting this criteria does not guarantee you will qualify for a loan.

Required Documentation

  • Business tax returns: 2 years
  • Personal tax returns: 1 year (For every individual with greater than or equal to 20% ownership)
  • Business bank statements: 6 months
  • Business debt worksheet 
  • Interim financials (YTD P&L and Balance Sheet)
  • For applicants with multiple owners holding greater than or equal to 20% of the company: Guarantor form

LOAN SIZE: $25,000 to $500,000
TERM LENGTH: 6 months - 5 years
ANNUAL INTEREST RATE: 4.99% to 27.79%
TIMELINE: Decision as fast as 72 hours. Funding in as soon as 10 days.

Option B

Basic application Requirements for MCA- WEEKLY/DAILY PAYMENT LOAN options

Product Structure

  • Term loan with daily or weekly payments of principal & interest 
  • One time origination fee of 0%-2% 
  • Pre-Payment discount varies 

Basic Eligibility Criteria

  • Borrower FICO: Greater than or equal to 550
  • Months in Business: Greater than or equal to 6 months 
  • Sole Proprietorships and non-profits considered 
  • Prior history of felonies considered 
  • Personal and Business bankruptcies considered 
  • Tax Liens considered 
  • All business types are eligible 

This list of basic credit criteria is meant to serve as a guidance. Meeting this criteria does not guarantee you will qualify for a loan.

Required Documentation

  • 3 Months of Business Bank Account Statements 
  • Proof of Business Ownership 

LOAN SIZE: $25,000 to $1,000,000

TERM LENGTH: 3 Months - 24 Months 

ANNUAL INTEREST RATE: 9.99% to 49.99%

TIMELINE: Decision as fast as 24 hours. Funding in as soon as 48 hours or less!