General Info
what is ezbob?
ezbob is a UK-based financial provider that offers an instant, innovative online financing solution dedicated to supporting UK businesses grow.
Is ezbob your company name?
ezbob is our trading name, the name of our registered company is Orange Money Ltd.
Where does the name ‘ezbob’ come from?
‘EZ’ means EASY which represents the easy, simple and fast experience of obtaining working capital. ‘BOB’ is an old English slang word for a Shilling, which is an old unit of British currency.
Who is behind ezbob?
ezbob is managed by an experienced team of professionals ranging in Finance, Credit & Risk, Technology, Customer Care, Marketing and Law. Visit the About us page to learn more about our team.
Why Use ezbob?
ezbob provides an instant financial solution for your immediate working capital needs such as: inventory, marketing and business expenditures. ezbob was founded to provide an alternative for acquiring working capital. We encourage you to maintain your relationship with your existing capital providers while partnering with ezbob to resolve your instant cash needs.
What governing body is ezbob a member of?
ezbob is Authorised and Regulated by the Financial Conduct Authority. Our Interim Permissions Reference Number is 647816.
Are ezbob interest charges tax deductible?
Yes, you can deduct the interest ezbob charges on your annual tax return as long as it has been used for business purposes only. For more information please visit HM Revenue & Customs web site: www.hmrc.gov.uk
What countries is ezbob available in?
Currently we are focusing on the UK market. We are planning to expand to other countries in the near future. Please check the website for future updates
Do you check my credit report?
When making a loan application, we ask your permission to access your credit records at one or more of the UK’s credit bureaus (e.g. Equifax, Call Credit and Experian). The credit application search we make mirrors that made by a bank and is visible to other credit providers in the country. All companies accessing credit records on behalf of individuals must subscribe to a standard set of rules and procedures laid down by SCOR (the Standing Committee on Reciprocity). If you make all your ezbob loan repayments on time, the impact on your credit score will be positive. Credit Reference Agencies or CRAs: When CRAs receive a request from us, a search footprint is placed on your credit file that is visible to other lenders. They supply us with both public (including the electoral register) and shared credit & fraud prevention information. We will make checks such as assessing your application for credit, and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us. Information on applications will be sent to CRAs who will duly record them. When you borrow from us, we forward details of your loan(s) and/or account(s) and how you manage them, to CRAs. If you do not repay your loan in full and on time, CRAs will record the outstanding debt and, in certain cases, the length of time it remains outstanding. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover any debts owed. Records of debts remain on file for six years after they are closed, whether they were settled by you or defaulted on. Your data may also be used for purposes for which you have given your permission or, in very infrequent cases, when required by law or where it is permitted to do so under the terms of the Data Protection Act 1998.
How do I edit my account information?
Simply go to the edit button in My Profile and change your personal details as required. For any additional enquiries, please contact us by email, live chat or phone: 0800 011 4787
Can I add another user to my account?
No, to keep it simple we only allow one user per account.
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