Ezy Pzy Finance

Ezy Pzy Finance: agile funding for Australian SMEs

Ezy Pzy Finance is an Australian-based business loan brokerage that connects business owners with a network of non-bank lenders. Founded in 2021 by Tez and Miro, two personal trainers turned entrepreneurs, the firm presents itself as an agile alternative to traditional banking, with a streamlined process and approval times that can be reduced to hours.

Financing products

The firm's catalogue includes several lines of credit and loans tailored to different business needs:

• Fast business loans: designed to cover urgent expenses, stock purchases or cash flow gaps, with approval in hours and same-day funding if documentation is in order.
• Business line of credit: a revolving pool of funds that the business can draw on as needed, paying interest only on what is used.
• Unsecured loans: financing without the need to provide assets as collateral, ideal for growing businesses that require quick working capital.
• Low doc loans: an option designed for those who do not have up-to-date financial statements or tax returns; bank statements and ID are sufficient.
• Business bridging finance: a solution for one-off liquidity needs.
• Bad credit business loans: an alternative for businesses that have been rejected by other lenders.

Application process and timelines

The process begins with a 60-second eligibility form that does not affect your credit score, as it is a soft check. A lending specialist then contacts the applicant to review the options and match them with the right lender. The firm states that approvals can arrive in as little as 2 hours and that funding can be completed the same day once documents are verified and contracts are signed. The brokerage service is free and with no obligation to continue.

Requirements and documentation

According to the information published, most partner lenders accept businesses with at least 6 months of trading and monthly revenue above AUD 10,000. The documentation required varies by amount: up to AUD 150,000, six months of bank statements and ID are requested; above that amount, bank statements and ATO/ICA access or recent notices if the lender requires it; and for amounts over AUD 250,000, financials, BAS and other additional information.

Founders and team profile

Miro Terkes, co-founder and director, specialises in unsecured business finance. He has qualifications in applied finance and economics, and has worked at institutions including Macquarie Bank, JP Morgan, CBA and Colonial First State. The company highlights his experience in the financial sector and his practical approach to helping Australian business owners access funding.

Representative results

The website includes examples of completed deals: for a transport and automotive company, AUD 75,000 was funded over 18 months in 5 days for the engine rebuild of two trucks; and for a food distribution company, AUD 200,000 was funded over 30 months in 24 hours for the purchase of stock and supplies.

Differences from traditional banking

Ezy Pzy Finance compares its service with that of the big banks and notes that its approvals can be in 2 hours compared with the weeks typical of banks; documentation is minimal thanks to low-doc options; credit checks are carried out after presenting the options, not before; funding can be same-day with documentation ready, compared with the 1-3 weeks of banks; and customer service is personal and client-focused, in contrast to the impersonal treatment it attributes to traditional institutions.