Ezbob Reviews

Ezbob provides efficient, technology-driven lending solutions with positive customer feedback highlighting its speed and ease of use.

Here are the Trustpilot Reviews from Ezbob:

Here are the Reviews from Ezbob:

Not trustable to collaborate with. One of the rare disappointing experiences and the example of unfair practices of the client that contractors have to face time to time when working with the clients. The client used the consultation for free, justifying it with the promise that the collaboration is guaranteed. Then the contract was signed and I send my proprietary evaluation materials, after that the contract was immediately paused and then stopped. No response from the client, no explanation, just ghosting. And even more - a bad review on the contractor website without any explanation. Recommend to avoid, especially the collaboration with Marketing decision-makers.

KR Kristine

Ezbob are loan sharks, they will use all their tricks to get more money out of you, customer service is NON existent. Most of reviews are written by EZBOB themself, but of course they are not the o nly company using the same tricks. 1] They will give loan. 2] There will be no documentation (only online) 3] If you miss one payment or 1 day late, you are in big trouble.

ED Edgar

They said to me that I can have a £1000 loan for my company a year ago. They sent £900 finally taking a handsome £100 "setup fee" or something. So in the end I have to pay back £300 interest for lendi ng me £900. These bloodsuckers are doing nothing. Good business model.

AI Adam Incze

Ezebob have been hassle free, easy to transact and user friendly. I would recommend this type of funding to anyone without the need to approach the reluctant high street banks. Lending through them can be an onerous and lengthy procedure. Just a few clicks and a straight forward response, means no time wasting and I can get on with running my business efficiently. Paid off early. No problem. Thank you everyone on the Ezbob team.

LS L Swain

ezbob are an excellent company to partner and work with. They are professional and their technical expertise is out of this world. They are true innovators and provide banks with a best-in-class lending solution for SME, consumer and asset finance.

DR David Roper

Absolute waste of space - not a quick application. Unclear assessment criteria, and no support in application process Would not recommend ever, interest charged is also super high. many better options

PE Peter

Explore Ezbob's Finance Solutions:

Ezbob Unsecured Business Loan

£10,000 – £150,000

Ezbob Business Line of Credit (Revolving Facility)

£10,000 – £150,000 approved limit; draw as needed

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Explore Ezbob's Finance Solutions:

Loan Type:

Ezbob Unsecured Business Loan

Loan Range:

£10,000 – £150,000

Loan Terms:

6 months to 36 months

Minimum Turnover and Trading Age:

At least 12 months trading and £50,000 annual turnover

Interest Rate:

0.99% – 2.45% per month (approx. 12% – 29.4% APR) depending on risk profile

Fees:

Arrangement fee 2% – 4% of loan amount; no early repayment fees

Loan Type:

Ezbob Business Line of Credit (Revolving Facility)

Loan Range:

£10,000 – £150,000 approved limit; draw as needed

Loan Terms:

Renewable every 12 months (each draw repaid over 1–18 months)

Minimum Turnover and Trading Age:

Minimum 12 months trading and £50,000 turnover

Interest Rate:

1.2% – 2.9% per month on outstanding balance

Fees:

Set-up fee of 2% – 4% on limit; interest only charged on drawn funds; no fee on undrawn portion; no early repayment fees

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More About Ezbob

Ezbob Limited is a UK fintech lender established in 2011, authorised and regulated by the FCA for credit lending and broking. It provides unsecured business finance and a white-label lending platform for banks and large corporates. Ezbob’s offerings are designed primarily for established UK SMEs seeking digital-first unsecured funding solutions. It may be suitable for businesses looking for rapid working capital without offering physical collateral. For a broader understanding of available business finance options, see business loans overview and unsecured business loans.

Key Features of Ezbob

Ezbob is distinguished by its fully online experience and integration capabilities that support fast decisions and flexible repayments. Its embedded-finance platform also enables other institutions to offer SME loans under their own brands.

100% digital application process using open-banking integration for quick bank transaction data capture
Credit decisions typically completed within minutes, supporting quick business finance
Same business day funding once loan documents are signed, allowing rapid access to funds

Eligibility for Funding

You may qualify for Ezbob loans if your business has at least 12 months' trading history and an annual turnover of £50,000 or more. The lender requires company registration in the UK and a clean credit history. Personal guarantees from directors are typically mandatory. The business must not operate in excluded high-risk sectors. For more details on qualification, tools, and guides, see how to qualify for a business loan in the UK, loan eligibility requirements, and the guarantor definition.

Loan Options

Ezbob offers two main types of unsecured business finance suitable for established UK SMEs: fixed-term unsecured loans and a revolving credit line. Both are unsecured but require personal guarantees.

Ezbob Unsecured Business Loan: Borrow between £10,000 and £150,000 over 6 to 36 months. Interest rates range from 0.99% to 2.45% per month (approximately 12% to 29.4% APR) based on risk profile. Includes arrangement fees of 2% to 4% of the loan amount with no early repayment fees. See unsecured business loans.
Ezbob Business Line of Credit (Revolving Facility): Facility limit between £10,000 and £150,000, renewable annually. Drawdown amounts are flexible and repayments vary from 1 to 18 months per draw. Interest rates are 1.2% to 2.9% per month on the outstanding balance. Setup fees apply from 2% to 4% on the credit limit. No fees for undrawn funds or early repayment. For more, see revolving credit loans.

How to Apply

The application for Ezbob finance is fully online, designed for speed and convenience. Applicants will submit documents digitally and utilise open banking for data verification.

Submit the application online via forms similar to those found at Funding Agent application form.
Provide necessary documents like director ID, proof of address, recent accounts, and bank statements accessed through open banking APIs.
Undergo rapid credit and affordability assessment with decisions often within minutes or on the same day.
Electronically sign loan agreements to enable same-day funding.

Funding Agent's view on Ezbob

Ezbob fits a niche between traditional bank lending and alternative lenders by offering fast fintech-driven unsecured finance with integration capabilities. It mainly suits established UK SMEs needing quick working capital without pledging assets, though it comes at a higher cost than secured loans and requires personal guarantees. For further research, use Funding Agent’s unsecured business loan calculator, and explore business loan options available in the UK.

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