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 Flexi Credit Line (Revolving Credit Facility)

£10,000 - £120,000

Ezbob Business Term Loan

£20,000 - £250,000

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Explore Ezbob's Finance Solutions:

Loan Type:

Ezbob Flexi Credit Line (Revolving Credit Facility)

Loan Range:

£10,000 - £120,000

Loan Terms:

1 month to 12 months (renewable)

Minimum Turnover and Trading Age:

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

Interest Rate:

1.5% - 3.5% per month (approx. 18% - 42% APR)

Fees:

Arrangement fee 2% - 4% of credit limit; 1% drawdown fee; no early repayment fees; late payment fees apply

Loan Type:

Ezbob Business Term Loan

Loan Range:

£20,000 - £250,000

Loan Terms:

6 months to 24 months

Minimum Turnover and Trading Age:

At least 12 months trading and £100,000 annual turnover

Interest Rate:

8.9% - 35.9% APR (fixed for full term)

Fees:

Arrangement fee 1% - 6% of loan amount; no early repayment fees (interest rebate applied); late/collection fees if in arrears

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More About Ezbob

Ezbob Ltd is a UK-based fintech established in 2011 that offers unsecured business finance to SMEs via a fully digital platform. The company also licences its lending technology to banks. It is authorised and regulated by the Financial Conduct Authority for consumer credit activities and operates exclusively online without physical branches. This lender may suit established UK SMEs seeking faster funding and flexibility through technology-driven products. For context, see our Ezbob reviews and general business loans overview.

Key features of Ezbob Ltd

Ezbob provides a fully online lending experience supported by integrated data checks and dedicated UK-based customer support. Transparency and speed are core to its service model.

100% online application portal compatible with desktop and mobile, utilising application service provider technology
Open Banking API integration enables instant bank statement retrieval for underwriting efficiency
Real-time loan management dashboard offers control over drawdowns and repayments
Integrates with HMRC and Companies House data to streamline compliance checks
Dedicated UK-based customer support available by phone, email, and live chat despite no branches

Funding eligibility

You may qualify for Ezbob funding if your business has traded for at least 12 months, meets minimum turnover thresholds, and operates as a UK-registered limited company or LLP. Start-ups under 12 months and sole traders are excluded. Certain sectors such as gambling and real-estate development are also ineligible. Review our loan eligibility tool and credit rating guidelines for further qualification insights.

Loan options

Ezbob offers two main unsecured loan products tailored to SMEs, with fixed rates and digital approval processes. Each requires personal guarantees from company directors or major shareholders.

Ezbob Flexi Credit Line (Revolving Credit Facility): amounts from £10,000 to £120,000; terms from 1 to 12 months (renewable); monthly interest 1.5% to 3.5% (approx. 18% to 42% APR); arrangement fees 2% to 4%; no early repayment fees but late fees apply
Ezbob Business Term Loan: amounts from £20,000 to £250,000; terms 6 to 24 months; fixed APR from 8.9% to 35.9%; arrangement fees 1% to 6%; early repayment permitted with interest rebate; late and collection fees apply

How to apply

The application is entirely online, with decisions typically within 30 minutes after data sharing. Funding occurs the same working day upon document signing. Expect to provide standard company and financial documentation.

Submit an online application form via the Ezbob portal – see our application form guide
Provide required documents including company registration, director ID, UK business bank account statements (via Open Banking), and recent filed accounts or management accounts
Undergo KYC and AML checks via automated data pulls from HMRC and Companies House
Review offers and sign electronically to receive funds on the same day

Funding Agent's view on Ezbob Ltd

Ezbob suits established UK SMEs able to share live banking and tax data and in need of quick, unsecured finance of up to £250,000. Its technology-driven model offers speed and convenience but relies on personal guarantees and has relatively high APRs with shorter maximum terms. It may not be appropriate for start-ups or firms seeking lower-cost, secured lending options. Use our business loan calculator and consult our loan comparison pages to assess suitability before applying.