Help Your Customers Afford What They Need — While You Close More Sales

With more than 50 lending partners and approvals across all credit types, EzFi helps businesses offer flexible payment solutions that turn more estimates into completed jobs.

We offer a variety of credit card processing models, including ZERO FEE to the merchant. In addition, we offer terminals of all types and POS systems.

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About us

Why Businesses

Trust EzFi

At EzFi, we believe businesses should never lose revenue because customers cannot afford large upfront payments. That’s why we provide fast, flexible, and technology-driven financing solutions that help businesses close more sales, improve cash flow, and create a better customer experience.

EzFi specializes in business-to-consumer financing solutions for industries where affordability and payment flexibility matter most. We proudly serve businesses across the United States in the following industries:

• Medical practices

• Dental offices

• Veterinary clinics

• Home improvement companies

• Auto repair facilities

More Than Consumer

Financing

EzFi also provides financial tools that help businesses improve cash flow and reduce costs.

To EzFi also provides financial tools for all industries that help businesses improve cash flow and reduce costs.

Business Loans and Lines
of Credit

Access working capital for growth, equipment purchases, hiring, or expansion through flexible business loans and revolving credit lines.

Merchant Cash
Advances

Receive fast funding based on your business’s future receivables when you need capital quickly.

Credit Card Processing That Saves You Money

We offer zero merchant fee credit card processing to save your business money. We conduct a free no-obligation evaluation to determine how much money we can save you. If we are unable to save you money, we will tell you that.

Industries That We Currently Serve for Consumer Financing.

• Medical Practices

• Dental Offices

• Veterinary Clinics

• Home Improvement Contractors

• Auto Repair Shops

Get Started

Simple 4 Step Consumer Financing Process.

Step 1 – Apply

Using a QR code or link sent to the customer. Your practice will have a unique website that allows you to generate applications as well as view the status of all loans.

Step 2 – Soft Credit Pre-Approval

A soft credit inquiry generates financing offers without impacting credit scores.

Step 3 – Approval and acceptance of offer

Customers select the payment plan that works best for them.

Step 4 – Funding

Funds are deposited directly to your business, within two business days.

Frequently Asked Questions

What is consumer financing for businesses?

Consumer financing allows businesses to offer customers payment plans for services instead of requiring full payment upfront. EzFi connects businesses with more than 50 lenders so customers can access financing options that fit their budget.

How does EzFi financing work?

Customers complete a quick application and receive pre-approval offers through a soft credit inquiry. They choose the financing option that works best for them, and funds are sent directly to the business, within two business days.

Does applying affect a customer's credit score?

No. EzFi uses a soft credit inquiry to generate pre-approval offers. This allows customers to explore financing options without impacting their credit score.

What industries can use EzFi financing?

EzFi financing is designed for service-based businesses including medical practices, dental offices, veterinary clinics, home improvement contractors, and auto repair shops.

What credit scores qualify for financing?

Because EzFi works with a network of more than 50 lenders, financing options are available for a wide range of credit profiles including prime, near-prime, and credit-challenged customers.

How quickly does the business receive payment?

Once a customer selects a financing option and the agreement is completed, funds are sent directly to the business within two business days.

Does EzFi offer financing for businesses as well?

Yes. In addition to consumer financing, EzFi helps businesses access business loans, lines of credit, and merchant cash advances for working capital and growth.

How does the credit card processing savings guarantee work?

EzFi provides payment processing solutions designed to reduce merchant fees. If we cannot lower a business’s credit card processing costs, there is no fee for the evaluation.

What are the basic requirements to qualify for merchant to consumer financing?

Your business must be operational for a minimum of one year. All licenses and liability insurance must be up to date. Your business must fall under one of the following categories: medical/dental/veterinary care and med-spas, any type of home improvement (including but not limited to: pools, decks, HVAC, plumbing, electrical, remodels, solar, energy efficient upgrades and fencing), any type of auto repair including rims and tires

What are the basic requirements to qualify for business loans?

Your business must be open for a minimum of 4 months and generating positive cash flow. We can loan to businesses in almost any industry (except gambling enterprises, cannabis related organizations and adult content, except for OnlyFans. We CAN lend to OnlyFans content creators.)

What are the basic requirements to qualify for merchant to consumer financing?

Your business must be operational for a minimum of one year. All licenses and liability

insurance must be up to date. Your business must fall under one of the following

categories: medical/dental/veterinary care and med-spas, any type of home

improvement (including but not limited to: pools, decks, HVAC, plumbing, electrical,

remodels, solar, energy efficient upgrades and fencing), any type of auto repair

including rims and tiresso that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.