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 registered name of our company is EZBob Ltd. (until recently our registered name was 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:

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.

What are Electronic Signatures?

Electronic signatures, or “e-signatures” as their more commonly known, offer great speed and flexibility and are used by many organisations to complete legally-binding agreements with customers and related parties.

E-signatures are just as legal as hand-written signatures in the UK and beyond.

The use of e-signatures in the UK is covered by established law and regulation, including the Electronic Communications Act 2000 and Electronic Signatures Regulations 2002.

Is ezbob paperless?

Based on their own experiences of running small companies, ezbob’s founders understand that paper documents, letters and cheques being “lost in post” cause frustration. ezbob believes that its technology helps small businesses get over historic hurdles by introducing simple measures to speed things up. This, along with helping us do our bit for the environment.

You won’t have to wait on letters, notices or other documents to arrive by post. ezbob issue secure emails for such documents so you won’t have to wait on the post.

We understand that you may want some or all documents from ezbob to be issued by traditional post. No problem! Just email us at to discuss your requirements.

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: 0203 769 3128

Can I add another user to my account?

No, to keep it simple we only allow one user per account.

Sign Up
Who is eligible for an ezbob loan?

If you are 18 years of age or older, and have a business with an annual turnover of a minimum of £100,000 and have a track record selling of more than a year, you are eligible for a loan.

How much capital can I apply for?

At present, we offer loans anywhere from £1000 to £120,000 based on your credit profile.

How do I apply for a business loan?

Visit the Sign-up page, add your shops, payment accounts and personal & business information. Its unbelievably easy! Takes less then 10 minutes.

Is sign up free?

Yes, sign up is free and with no obligation! You can open an account today and borrow any time in the future when needed. We only charge interest on funds you borrow.

How long does the application take?

Superfast! You can literally do it in less then 10 minutes. The process was designed to be easy, simple and fast. Try us out, You will not be disappointed.

How are the terms for each loan determined?

ezbob’s credit profile is based not only on your credit history, but on the merits of your business, so the qualification decision is a combination of the two.

What is the minimum annual turnover needed to qualify for a loan?

In general, the minimum annual turnover should be £100,000 to qualify.

What if I have a low credit score? Can I still qualify for a loan?

ezbob’s credit profile is based not only on your credit history, but on the merits of your business, so the qualification decision is a combination of the two. Bear in mind that we are required to inform the credit bureaus about your credit history with ezbob.

Where do I have to be located in order to qualify for a business loan?

As of now, we are providing our services to UK citizens and companies only. We are planning to expand our services to other markets in the near future so please visit our site for future updates.

What is the required information in order to open an account?

You will be asked to choose a user name and password.

Why do I need to add my shop?

ezbob utilizes your shop information to determine your eligibility and loan terms.

What are the minimum shops to be added?

ezbob requires at least one shop with a minimum annual turnover of £100,000 with a seniority of 1 year to qualify. However, the more shops you add the better your terms will be, so we encourage you to add as many as you can.

Why do I need to add my payment account?

ezbob will ask you to provide your bank account information in order to transfer funds into your account. The bank account should be the account you use for your online business.

Why do I need to add my PayPal account?

Currently, your PayPal account is used for determining your loan eligibility and for improving your terms. In the near future your PayPal account will be able to be used to transfer and to repay loans.

Why do I have to provide directors details?

If you are applying as a business (e.g. Ltd, LLP, Partnership) you will be required to provide directors details for our credit profile analysis and for a loan guarantee.

What happens after applying for a loan?

At the end of the application process you will be notified about your eligibility for a loan. If approved, you will be presented with an offer that can be utilized immediately. Please note that the offer is valid for 24 hours.

How long is an offer good for?

Each offer expires within 24 hours. After expiration you can make another request.

How much capital can I apply for?

At present, we offer loans anywhere from £1000 to £120,000 based on your credit profile.

What is the loan duration?

ezbob offers business loans for a duration of up twelve months, based on your credit profile.

What is the loan interest?

Our interest rate varies between 1.6% – 2.50%* per month on the remaining loan balance and we currently offer a 6 month loan term, meaning you will be responsible to pay back your principle in 6 equal monthly repayment, plus interest on the outstanding amount. This equates to a yearly actual interest cost of between 21-34.5%.

*In certain circumstances businesses with a higher than normal risk profile may be offered an interest rate of up to 5.85% a month as an alternative to declining the loan application.

Are there any fees?

A one-time set up fee of 3.5-5%* is typically charged upon issuance of the loan with the cost distributed across the repayments.

*In certain circumstances businesses with a higher than normal risk profile may be charged a set up fee up to 7% as an alternative to declining the loan application.

Is there any security involved?

Unlike other lenders, we do not expect customers to provide us with Debentures or security over specific property/assets before taking a loan with ezbob.

We expect company directors (or Designated Members of LLPs) to provide Personal Guarantees. These help secure each loan you take from ezbob. Usually we only require 1 Personal Guarantee for each business. We may require more because we understand that each business is unique.

NOTE: Sole Traders and partners of business Partnerships remain personally liable for ezbob loans so Personal Guarantees are not currently necessary.

If you’d like to discuss this further, please feel free to call us on 0203 769 3128. Alternatively, you could seek independent legal advice from sources such as a solicitor before taking a loan out with ezbob.

What if I get into financial difficulties and cannot pay off my loan?

If you think that you may not be able to honour your repayment commitments, contact us immediately. We will try and work with you to solve the situation. Be advised that late payment charges will be applied. In the event that you don’t repay the loan, collection agencies will get involved and additional charges will be applied.

Can I make an early repayment?

Yes you can, there are no penalties for early repayments. We only charge interest on the outstanding loan amount.

Can I make an early repayment?

Yes you can, there are no penalties for early repayments. We only charge interest on the outstanding loan amount.

When is my first payment?

We want to keep it simple, so your payment is due on the same day you took the loan, only one month later. For example, if you took the loan on January 6th your payment would be due on February 6th. Interest is charged daily. So you are only charged for the number of days the loan is outstanding. We will notify you by email two business days before your debit card will be charged as per your repayment schedule.

What is the time period given to pay back the loan?

Up to twelve months based on your credit profile.

If I take more then one loan with ezbob will I have different repayment dates?

Yes, every loan payment is due on the same day of the following month. If you have two outstanding loans with different origination dates you will have two different repayment dates. For example, if you took a loan on March 15th and took another one on March 22nd your first payment is due on April 15th and the second one on April 22nd. Two different repayment dates.

Does ezbob have access to or see my shops or PayPal user IDs or passwords?

No! We do not see or have access to your user IDs or passwords for any of your shops, as we redirect you to your marketplaces in order to grant us view only permission.

Does ezbob have access to my bank account?

No! We do not have access to your bank account. We use the information only for transferring funds into your account.

How does ezbob use my information?

ezbob uses your information exclusively to provide you with our services. We only provide your information to 3rd parties who are necessary in providing you with those services and are all compliant.

How can I be sure that an email sent from ezbob is authentic?

Always go to by typing the URL yourself. Do not rely on links or emails. If you did enter the web site via a link make sure it’s an ezbob domain.

How do I request a new login or password?

Go to settings in My Account and from there you can easily change and edit your PASSWORD. If you make three mistakes on your login you’ll be asked your personal question. If you answer it correctly a new password will be sent to your email address. If you give an incorrect answer, contact us by telephone and we’ll get the matter sorted out.