EZ Capital
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
EZ Capital firmographics
Firmographics- Name
- EZ Capital
- Legal name
- EZ Capital Group Inc.
- Website
- https://ezcapital.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
EZ Capital industry classification
Industry- Product category
- Small Business Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
- akta.pro secondary industries
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SME Term Loans & Growth Capital (FSAKAGAB), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Merchant Cash Advance & Payment-linked Lending (CRAFALAK)
Keywords
Where EZ Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
EZ Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Lender Fee Revenue: EZ Capital provides its smarter business financing solution service free of charge to merchants (borrowers). Revenue is generated when merchants accept financing offers from lenders, at which point the lender may charge fees (Lender Fees). EZ Capital acts as an intermediary/marketplace connecting borrowers with funding.
- Merchant Cash Advances: EZ Capital may provide merchant cash advances directly to qualifying merchants. These are rendered electronically with funds transferred within 3 business days. Revenue generated from the factor rates and fees on these advances.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free matching service for all applicants |
| Subscription | Monthly | SBA Loans - Up to $5,000,000 |
| Subscription | Monthly | Term Loans - Up to $600,000 |
| Usage-based | Pay-as-you-go | Business Line of Credit - Up to $250,000 |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance - Up to $750,000 |
| Transaction based/ take rate | Pay-as-you-go | EZ Advance (Restaurant) - Restaurant-specific financing |
| Transaction based/ take rate | Pay-as-you-go | EZ Select (Restaurant) - Up to $500,000 |
| Unit Pricing | Monthly | Equipment Financing - $5,000 to $5,000,000 |
| Subscription | Monthly | Commercial Real Estate Loans - $250,000 to $5,000,000 |
| Usage-based | Pay-as-you-go | Accounts Receivable Financing - Up to $10M |
| Usage-based | Pay-as-you-go | eCommerce Financing - Up to $10,000,000 |
| Subscription | Monthly | Startup Loans - Up to $500,000 |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
EZ Capital product offering
Product offeringCore offering
EZ Capital is a financial technology platform that operates as a marketplace connecting small and medium businesses with a network of 100+ lending partners through a single streamlined application. The platform facilitates access to financing products including SBA loans, term loans, lines of credit, merchant cash advances, equipment financing, accounts receivable financing, commercial real estate loans, startup loans, eCommerce financing, and debt resolution solutions. Applicants complete a four-step process (apply, match with lenders, compare offers, get funded) with funding available in as little as 24 hours.
Product overview
EZ Capital is a financial technology platform that serves as a marketplace connecting small businesses with multiple lenders and financing products through a single application. The platform offers various core financing products including SBA Loans, Term Loans, Business Lines of Credit, Merchant Cash Advances, Equipment Financing, Accounts Receivable Financing, Commercial Real Estate Loans, Startup Loans, eCommerce Financing, and Debt Resolution Solutions. The platform also features restaurant-specific products branded as EZ Advance and EZ Select under its Restaurant Financing Solutions category. Businesses complete one application to compare and access multiple funding options.
Differentiator
Problem solved
Functional benefit
Brands
- EZ Advance: Restaurant-focused financing solution designed for restaurant operators, aligning with short-term cash flow cycles.
- EZ Select
Products and services
- SBA Loans SBA-backed loans including 7(a) loans up to $5 million for long-term business investments, real estate, equipment, and working capital. Interest rates at Prime + 1-4.75%, terms of 10-30 years, requires 650+ credit score and 2+ years in business.
- Term Loans Traditional business term loans providing lump-sum funding up to $600,000 with fixed monthly repayment over up to 7 years. Funding as fast as 24 hours; requires 550+ credit score, $10,000+ monthly revenue, and 2+ years in business.
- Business Line of Credit Revolving credit line up to $250,000 with terms up to 1 year. Businesses pay interest only on funds drawn. Requires 660+ credit score and 1+ years in business.
- Merchant Cash Advance Revenue-based financing repaid through future earnings deposited into merchant accounts, offering up to $750,000 with no collateral required. Factor rates used instead of interest; bad credit OK; 3+ months in business required.
- Equipment Financing Asset-based lending enabling businesses to acquire equipment without depleting working capital, with loan amounts from $5,000 to $5,000,000. Rates as low as 7.5%, terms 1-10 years, equipment serves as collateral.
- Accounts Receivable Financing Invoice factoring service providing immediate capital in exchange for outstanding invoices, with advances up to $10 million. Funding as soon as 24 hours, rates as low as 3%, for B2B or B2G businesses with $10,000+ minimum monthly revenue.
- Commercial Real Estate Loans Financing for purchasing, refinancing, or developing commercial properties, with loan amounts from $250,000 to $5,000,000. Includes conventional mortgages, SBA 504, and SBA 7(a) loans. Rates as low as 6.25%, terms 10-25 years, 10-25% down payment.
- Startup Loans Business financing for new ventures covering working capital, equipment, and initial operating expenses up to $500,000. Requires 650+ credit score, $6K+ monthly revenue, 3+ months in business. Accepts work permit holders, green card holders, and U.S. citizens.
- eCommerce Financing Funding specifically designed for online retail businesses covering inventory, marketing, and growth investments up to $10,000,000. Requires $100K+ annual revenue and $12K+ average in last 3 months, 6+ months in business, with flexible repayment tied to sales.
- Debt Resolution Solution Debt relief service helping businesses settle outstanding debts for less than the full amount owed through creditor negotiation.
- EZ Advance (Restaurant) Restaurant-focused financing aligned with short-term cash flow cycles, providing advances up to $250,000 with flexible repayment tied to revenue. Funding in 24-48 hours, requires 500+ credit score and $5,000+ monthly revenue, 5+ months in business.
- EZ Select (Restaurant) Higher-limit restaurant financing solution offering up to $500,000 for expanding restaurants requiring extended funding horizons. Requires 600+ credit score, $50,000+ monthly revenue, and 15+ months in business. Used for expansion, new locations, and renovations.
Quantifiable outcome
- 235% improvement in approval rates compared to traditional lending methods
- +5 more outcomes
Companies that use EZ Capital
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
EZ Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
EZ Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Taste of Asia Summit / NAAFIAminorEZ Capital participated as an exhibitor at the 8th Annual Taste of Asia (TOA) Summit held at Shenzhen Bay Innovation Center in Santa Clara, California. The event gathered 320+ restaurant industry leaders including operators, founders, investors, and technology innovators from North America and Asia.
- Referral PartnerscoreBusiness services providers, software companies, and affiliate marketers who refer small business clients to EZ Capital. Partners include CPAs, accountants, business consultants, POS system providers, and other B2B service providers who have small business clients needing financing. Partners earn commissions on funded referrals.
Scale indicators10 records
Recent moves6 records
Expansion highlights2 records
EZ Capital competitors and assessment
Company assessmentDirect peers
- Kapitus: Kapitus (formerly known as Strategic Funding Source) is a direct SMB working-capital provider offering MCAs, term loans, and lines of credit. Comparable to EZ Capital on MCA product mechanics and SMB underbanked positioning.
- Lendio: Lendio is the largest US SMB loan marketplace, connecting small business borrowers with a network of lenders through a single application. Most directly comparable to EZ Capital's matching-platform model, lender network approach, and SMB target segments.
- National Funding: National Funding is a direct SMB lender and brokerage offering MCAs, term loans, equipment financing, and working capital to small businesses. Comparable to EZ Capital across product mix and SMB customer base.
- Fundera: Fundera (acquired by American Express) operated as a tech-enabled SMB loan marketplace matching borrowers with multiple lenders across SBA, term loans, and lines of credit. Closely comparable to EZ Capital's brokerage model across product breadth and SMB targeting.
- SmartBiz Loans: SmartBiz is an SBA loan marketplace and direct originator serving SMBs through an online application and bank-partner network. Directly comparable to EZ Capital in SBA origination flow and SMB customer segment.
- Funding Circle US: Funding Circle is an SMB term-loan marketplace matching small businesses with institutional capital, with deep exposure to the same target segment as EZ Capital — SMBs overlooked by traditional banks.
- Biz2Credit: Biz2Credit is an SMB financing marketplace and small-business credit scoring platform that connects borrowers to banks and alternative lenders. Comparable to EZ Capital in both the broker model and the use of advanced matching/credit technology.
Broad incumbents
- BlueVine: BlueVine is a fintech providing SMB lines of credit, term loans, and invoice factoring, with a strong digital SMB focus and embedded banking products. Comparable in product breadth and SMB customer segment to EZ Capital.
- OnDeck Capital: OnDeck (now part of Envestnet) is an established SMB online lender offering term loans and lines of credit to small businesses. A broader incumbent with overlapping products and SMB focus versus EZ Capital.
Regional players
- Restaurant Finance Corp: Restaurant Finance Corp is a specialized US lender focused on restaurant SBA loans and working capital. Most direct peer to EZ Capital's EZ Advance / EZ Select restaurant vertical product suite.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
EZ Capital social profiles
Digital presenceEZ Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
EZ Capital leadership team
Management profileNumber of profiles
EZ Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EZ Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EZ Capital
What does EZ Capital do?
EZ Capital is a financial technology platform that operates as a marketplace connecting small and medium businesses with a network of 100+ lending partners through a single streamlined application. The platform facilitates access to financing products including SBA loans, term loans, lines of credit, merchant cash advances, equipment financing, accounts receivable financing, commercial real estate loans, startup loans, eCommerce financing, and debt resolution solutions. Applicants complete a four-step process (apply, match with lenders, compare offers, get funded) with funding available in as little as 24 hours.
Is EZ Capital a public or private company?
EZ Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was EZ Capital founded?
EZ Capital was founded in 2020. It employs 1 to 10 people.
Where is EZ Capital based?
EZ Capital is headquartered in New York, United States, in the North America region.
How does EZ Capital make money?
Two revenue lines are on record. Lender Fee Revenue is the primary driver. The others are merchant Cash Advances.
Who are EZ Capital's main competitors?
Direct peers on record are Kapitus, Lendio, National Funding, Fundera, SmartBiz Loans, Funding Circle US and Biz2Credit. Broad incumbents are BlueVine and OnDeck Capital. Restaurant Finance Corp is listed as a regional player.
Does EZ Capital have an API?
No public API is recorded for EZ Capital.
What industry is EZ Capital in?
EZ Capital's product category is Small Business Lending Marketplace. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52231 and its SIC code is 6163.