Frequently Asked Questions

  1. How do I get started?

    Either you can complete our online form (it will only take a few minutes to fill out) or you can reach us (---). Our knowledgeable and experienced financial search specialists are available to help you find secured and unsecured lending providers Monday through Friday from 9:00 AM to 9:00 PM and on Saturday from 9:00 AM to 5:00 PM Eastern time.

  2. Is my information secure?

    Your privacy is one of our top concerns. We safeguard your personal information in a variety of ways. You can review our privacy and security policy here.

  3. Do I have to have an email address?

    Yes, ESL's system is designed to provide you with your recommended secured and unsecured lending providers via email. If you don't have an email address, you can get one for free through web-based services such as Google, Microsoft/Bing, and Yahoo! Mail. 

  4. What is the loan process?

    We've simplified things by making our free loan matching service available online. To start, you can complete our simple online loan solutions form or you can call us toll-free at (---)  Should you fill out our online form during our regular business hours (which are Monday through Friday from 9:00 AM to 9:00 PM and on Saturday from 9:00 AM to 5:00 PM Eastern time), you can expect to receive a call from one of our financial search specialists within an hour of our receiving your information. Often, we're able to respond within five to fifteen minutes of receiving your initial information. During this first call, we explain how ESL can help you and we answer any questions you might have regarding your loan options and our free loan matching service. For most people, we can match you to a financial option the same day.

  5. What types of loans does Easy Secured Loan have available?

    Although Easy Secured Loan isn't a direct lender, we have spent over 9 years researching great loan options available throughout the United States. These options include personal loans for any use, debt consolidation, business loans, coin loan, SBA loans, as well as auto loans. We can also help you locate the right credit card for your financial situation. Our free loan matching service can help you locate the highly rated loan options in your market area.

  6. What is an unsecured loan?

    One of the loan options available is what's known as an unsecured loan. This type of loan doesn't require any collateral in order to obtain the funding. The lender bases the approval on your credit. This loan type can be used for any purpose and it usually comes with a fixed interest rate (although the rates tend to be much higher than secured loans).

  7. What is a secured loan?

    A secured loan is a loan that uses your property (like a home or apartment you own, or a car you own free and clear) in order for you to obtain the loan. While, as with an unsecured loan, the lender looks at your credit as part of their approval process, having an asset to secure the loan can make you more attractive as a borrower, especially if you have bad or poor credit. Additionally, the interest rate will be lower with a secured loan due to the use of collateral.

  8. What credit requirements do you have?

    What's required depends on what financial solution you're looking for. We work with a network of highly rated and trusted providers in order to provide options for all types of credit and financial situations.

  1. What documents do you need to provide?

    Required Documents

    Application Stage

    In order to apply with ESL, you must submit the following documents:

    • Our quick and easy single page application, filled & signed by majority owners).
    • 3 months of recent business checking statements (separated by months)
    • 3 months of recent merchant processing statements (if applicable)

    Closing Stage

    • Your signature on every page of the contract
    • Void check from your business checking account
    • Copy of a government issued ID (such as passport, Driver’s License..etc)
    • Copy of your Business License/ Proof of business
    • Copy of a recent utility bill from your business  
  2. How much fiunding can i get

    ESL offers as little as $5000 and as much as $500,000. We also look at specific cases that require a higher amount and provide special terms for that.

    Our risk analysis team will be able to determine the deal amount once you apply.

  3. I have bad credit, can I still get funding?

    The answer to this question is yes. Bad credit does not disqualify you from receiving funding for your business.

  4. Is there an industry that you work with primarily?

    We have experience in various industries- ranging from technology to fashion. We work with any businesses in any industries- as long as they show us the minimum requirements for our investment deals-of course.

  5. What About Early Repayments?

    Most of the lenders we work with have an early repayment charge that equates to eight weeks’ interest on the outstanding balance at the time you wish to settle. However, the actual rates will vary considerably – depending on the terms and conditions set out in the credit agreement. If you are planning to pay your secured loan off early then let us know in advance and we will find you an appropriate finance product that allows for this.

  6. What are consolidation loans?

    A consolidation loan is a secured borrowing product that is used to reduce the number of monthly repayments a debtor must make, whilst also lowering the payment amount itself. Consolidation loans are a useful tool for lowering the cost of high interest products such as credit or store cards and dealing with other unsecured debts such as hire purchase agreements and other expensive loan facilities. When taking out a consolidation loan, it is important to remember that although a longer repayment term will lower the amount you pay back each month, you will ultimately pay back a lot more in terms of the actual interest you are charged.

  7. Can a loan be arranged if a customer has a bad credit rating or County Court Judgments (CCJ’s)?

    Yes it can. Having a bad credit rating, historic or current CCJ’s, does not prevent customers from getting a loan. In some instances the outstanding credit may even be cleared directly by the loan company upon completion of the loan. A simple, more affordable loan can therefore assist in reducing customers monthly outstanding credit bills.

  8. What will the loan cost?

    This of course depends on how much a customer wants to borrow. Subject to personal circumstances we can arrange loans to suit specific budgets. The loan will be affordable and help improve customer’s circumstances and depending on what the money is being raised for, significantly reduce monthly outgoings.

  9. How quickly will I receive a response?

    You will receive an immediate response acknowledging the enquiry if we receive an application online. A member of the loans sales team will then call to discuss the loan requirements.

  10. What is difference between APR and interest rate and what interest rate will I pay?

    The APR (annual percentage rate) is the cost of your loan expressed in terms of an annual rate. The interest rate is the rate your payments will be calculated on for the life of your loan. Your interest rate depends on your credit rating, income and amount being borrowed.

  11. What are some reasons I may be turned down for a loan?

    Often your credit history is why you are turned down for a loan. If you are viewed as a risk, and your report indicates that with prior creditors you consistently made late payments or skipped payments or defaulted on a loan, it will affect your score and may result in your being turned down for the loan.

  12. What happens if my loan application is declined?

    Occasionally we may not wish to give you a loan; this could be for any number of reasons. You can however ask for the name and address of any credit reference agency the lender has used for assessing the loan. Also you may try to reapply in 1 months.

  13. Why choose Easy Secured Loan?

    We strive to provide a first class service and the best outcome for you by ensuring our advisors are fully qualified and trained.

    We will find responsible and affordable products, however complex the scenario and individual your needs - we will get it right for you.

    We will keep the process simple and easy to understand by communicating clearly and regularly.

    Our mission is to provide personal and small businesses access to fast, secured and unsecured working capital. Our investment is designed to support, and increase healthy businesses’ revenue. By recognizing the need, the goal is to provide small business owners with accessibility to funds, allowing them to improve not only their own business, but also their communities. We believe that long-term, personal relationship is a key factor in any business’ success.


    908 New Hampshire Avenue, 95822


    +1 (832) 356-8776