Ezi Private Lending

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Ezi Private Lending We make business financing possible—even when it seems out of reach. Offering fast, flexible loan options tailored to help businesses thrive.

With Q4 underway, the best time to start planning next year is right now, before the holiday rush takes over. 🎯Start by ...
16/10/2026

With Q4 underway, the best time to start planning next year is right now, before the holiday rush takes over. 🎯

Start by looking back. Which months were strongest? Where did cash get tight? What took up more of your time than it should have? Your answers will point you towards what's worth focusing on.

Then narrow it down:
📌 Choose three priorities you can realistically commit to
📏 Attach a number and a deadline to each one
🗓️ Lock in a quarterly check-in to track your progress

A goal like "be more profitable" is easy to set and easy to forget. "Cut supplier costs by 10% by June" is one you can plan around.

What's top of your list for 2027? 👇

From $5,000 a week to $800 a week in repayments 🏗️Amanda runs a small construction and project management business in Vi...
14/10/2026

From $5,000 a week to $800 a week in repayments 🏗️

Amanda runs a small construction and project management business in Victoria. When she came to us, unsecured debt was putting serious pressure on her cash flow. She was paying around $1,000 a day on a $44,000 facility while trying to keep up with staff wages and supplier bills.

Our broker Jordan helped her secure a $100,000 unsecured line of credit. It cleared her existing facility in full and gave her an extra $30,000 in working capital to pay her team and suppliers. With only $80,000 drawn, her repayments dropped to around $800 a week.

✅ $44,000 facility cleared
✅ $30,000 extra working capital
✅ Staff and suppliers looked after
✅ Weekly repayments down from ~$5,000 to ~$800

That's roughly $4,200 a week back in the business. 💪

Feeling the squeeze from high daily repayments? Talk to the Ezi PL team about your options.

Not all property is treated equally when it comes to business finance. 🏗️If the property you want to borrow against sits...
11/10/2026

Not all property is treated equally when it comes to business finance. 🏗️

If the property you want to borrow against sits outside what a lender considers "standard", your application could be declined, even with plenty of equity behind it. This is known as specialised security.

It covers property that lenders see as harder to value, harder to sell or tied to a specific use, such as:
🌾 Rural and vacant land
🍺 Pubs, hotels and motels
⛽ Service stations
🧸 Childcare centres
🏕️ Caravan and holiday parks

The good news is that some lenders understand these properties and know how to assess them.

Find out what specialised security means for your finance in our latest blog 👇
https://ezipl.com.au/specialised-security-business-finance/

Difficult finance is our specialty. 🧭Past defaults, ATO debt, a short trading history or a messy credit file are scenari...
11/10/2026

Difficult finance is our specialty. 🧭

Past defaults, ATO debt, a short trading history or a messy credit file are scenarios we work with every day, and we know which lenders are open to them.

You don't need to have it all figured out before you reach out. Tell us where things are at and we'll take it from there.

📞 1300 854 033 | 🌐 ezipl.com.au

Slow months, a big client walking, an unexpected tax bill. Setbacks are part of running a business, and how you respond ...
09/10/2026

Slow months, a big client walking, an unexpected tax bill. Setbacks are part of running a business, and how you respond early often shapes how long they last. 💪

Start by getting specific about the actual problem, not just the symptoms. Separate what you can control from what you can't, then take one practical step, even a small one.

Don't go it alone. Your accountant, broker or a trusted mentor can often spot options you're too close to see. The earlier you act, the more room you have to move.

Got equity in your property but still getting knocked back? The property itself might be the problem. 🏢Using property as...
07/10/2026

Got equity in your property but still getting knocked back? The property itself might be the problem. 🏢

Using property as security is one of the most effective ways to access business finance, but not all property is treated equally. If yours falls outside what a lender considers "standard", your application can be declined even with plenty of equity behind it.

This is known as specialised security, and it's one of the most common reasons business owners struggle to get funding through a bank. Think rural land, pubs, service stations, childcare centres and other purpose-built properties.

The good news? Some lenders understand these properties and know how to assess them properly.

We break down what specialised security is and how to make it work for you in our latest blog 👇

https://ezipl.com.au/specialised-security-business-finance/

Planning a development project? Getting the finance structure right from the start can make or break the viability of th...
06/10/2026

Planning a development project? Getting the finance structure right from the start can make or break the viability of the build. 🏗️

Development finance is built around your project, not a standard loan template. The facility is shaped by your timeline, your budget and how you plan to exit, whether that's selling the finished product or refinancing once it's complete.

Getting those pieces lined up early means fewer surprises once the project is underway.

Have a project on the horizon? Chat to the Ezi team to discuss your options.

Do you know how much equity you can actually borrow against? 🏠LVR, or loan to value ratio, is the percentage of an asset...
30/09/2026

Do you know how much equity you can actually borrow against? 🏠

LVR, or loan to value ratio, is the percentage of an asset's value a lender is willing to finance. For example: if a property is worth $1M and the lender's maximum LVR is 70%, they'll lend up to $700,000.

Why it matters:

🔹 A lower LVR means less risk for the lender, which generally means better rates and terms for you
🔹 A higher LVR gives you more borrowing power, but often comes with higher rates or stricter conditions

Maximum LVRs also shift depending on the security. Residential property usually sits higher than commercial, and vacant or specialised assets lower again.

Knowing your LVR tells you how much equity you need and what lending is realistically within reach.

Confused by lending jargon? Our blog breaks down the terms worth knowing.

➡️ https://ezipl.com.au/key-lending-terms-every-business-owner-should-know/

Juggling multiple business debts and losing track of what's due when? Debt consolidation could be the circuit breaker yo...
28/09/2026

Juggling multiple business debts and losing track of what's due when? Debt consolidation could be the circuit breaker you need. 💡

Rolling everything into a single facility can mean:

📉 One clear repayment instead of several
⏱️ Less admin, more headspace for running your business
💰 Potentially lower overall repayments

It's not the right move for everyone, but it's worth a conversation to find out if it works for your situation. Reach out to the Ezi team today to chat about your options!

For a lot of business owners this time of year brings a familiar mix. Mounting deadlines, busy pipelines, and the pressu...
25/09/2026

For a lot of business owners this time of year brings a familiar mix. Mounting deadlines, busy pipelines, and the pressure to keep everything moving at once.

Momentum is a powerful thing. But it only works in your favour when your finances can keep up with the pace.

If cash flow is the bottleneck right now, or there's a funding gap slowing you down, now is a great time to get ahead of the pack.

Don't let a finance hurdle cost you the momentum you've built. Reach out to the team at Ezi PL today to chat about what's possible.

Address

Shop 1/855 Lower North East Road
Adelaide, SA
5075

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm

Telephone

+611300854033

Website

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