Eazzy Consulting is a financial consulting firm offering business loans, lines of credit, SBA financing, and merchant cash advances with fast approval and funding within 24 hours.
Editorially reviewed by Harvey Brooks
Eazzy Consulting is a financial consulting company established by industry experts to provide customized financing solutions for individuals and businesses. The firm positions itself as a bridge between borrowers and a network of over 500 lenders, offering access to various financing products tailored to different financial situations and business stages.
The company's primary offerings focus on business financing, including startup business loans (for businesses under 2 years old), SBA loans, business lines of credit, merchant cash advances, equipment investment loans, and construction loans. They also provide consumer and real estate services such as personal loans, mortgage refinancing, cash-out loans, bridge loans, and real estate investment funding. Their service model emphasizes speed, claiming 24-hour approval and funding timelines, along with minimal paperwork requirements.
Eazzy Consulting distinguishes itself through several stated advantages: free initial consultation, no payment until approval, competitive rates with flexible terms, a streamlined application process, and access to comparison shopping across 500+ lenders. Their bilingual website (English and Chinese) suggests targeting of both English and Chinese-speaking business owners. The company emphasizes reducing financial burden and stress by handling financing logistics so clients can focus on business operations.
However, the website provides limited transparency about specific terms, rates, or lender details. As a broker/consultant rather than a direct lender, actual loan products, terms, and rates depend entirely on partner lenders. No information is provided about business registration, licensing, physical location, or regulatory oversight. The company claims fast approval but does not disclose approval criteria, credit requirements, or realistic qualification standards.
Yes. EAZZY GROUP LLC is a registered company headquartered in 1010 Cherry St 2nd floor, Philadelphia, PA 19107. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Eazzy Consulting is best for early-stage business owners and entrepreneurs who need rapid access to capital and want to compare options across multiple lenders. The main caveat is that as a loan broker rather than direct lender, actual loan quality, terms, and rates depend on their partner lender network, and the website provides no transparency about regulatory oversight, business credentials, or realistic qualification requirements.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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