Funding growth. Powering payments. Filling your calendar.

EZ Financing is a commercial-financing brokerage service. We organize the request, review the initial file for completeness, help clarify the financing objective, coordinate with independent financing partners, and present available options and key terms in writing.

No. EZ Financing is a commercial-financing brokerage service and is not a direct lender. Any financing is offered and provided by an independent third-party partner under that partner's own underwriting, approval, documentation, funding, servicing, and collection processes.

Depending on the business and partner approval, options may include fixed-term business financing, a revolving business line of credit, or a sales-based advance, sometimes called a merchant cash advance or an advance against future business receivables. Each structure has a different cost, repayment method, duration, and use case.

EZ Financing is designed for established Canadian businesses seeking capital for a business purpose. Businesses in many industries may request a review, but eligibility varies by partner, province, time in business, revenue and cash flow, banking activity, industry, existing obligations, credit profile, ownership, and intended use of funds. Startups and restricted industries may have fewer or no available options.

Financing may be available from CAD $5,000 to more than CAD $1,000,000, depending on the file, structure, and financing partner. Current indicative ranges are CAD $5,000 to $1,000,000 for fixed-term financing, CAD $7,500 to $500,000 for a revolving line of credit, and CAD $5,000 to $300,000 for a sales-based advance. Some partners can consider higher secured amounts. Unsecured financing is capped at CAD $800,000; financing above CAD $800,000 requires a secured structure and remains subject to collateral, underwriting, and partner approval.

Normally, we need a completed and signed EZ Financing application, complete business bank statements for the six most recent completed months, and the current-month statement or transaction history from the first of the month through today. Depending on the file, a partner may also request processing statements, financial statements, receivables aging, tax information, existing financing statements, balance confirmations, or payout letters.

No. EZ Financing does not charge an application fee or a separate fee to review the request and present available options. Submitting a request does not obligate you to accept an option.

No. The initial options review uses a soft credit inquiry and does not affect the credit score.

Each partner applies its own underwriting criteria. The review may consider revenue and cash flow, account conduct, time in business, industry, credit history, ownership, existing financing, tax or legal issues, collateral, the amount and purpose requested, and the completeness and accuracy of the documents. One factor alone does not determine every decision, and EZ Financing cannot direct a partner to approve a file.

Yes. You may ask EZ Financing to review potential options even if an owner or the business has less-than-perfect credit. Credit is only one part of the file, but it can affect eligibility, amount, pricing, security, and conditions. A review does not guarantee that a suitable option will be available.

No approval, amount, or funding date is guaranteed. Digital review can move quickly, and in some cases funds may be transferred within 24 hours after the final agreement is accepted and every condition is satisfied. Timing depends on the complete file, verifications, banking, security requirements, and the provider.

Secured and unsecured structures may be available. Security, collateral, registrations, guarantees, and additional approvals depend on the applicant, amount, and partner. Higher requests — especially amounts above CAD $500,000 — may require collateral and additional review. Only the written offer and final agreement establish the actual security requirements.

Fixed-term financing generally uses scheduled automatic weekly payments over a stated term. A revolving line of credit lets the business draw what it needs, repay, and reuse restored availability, with charges applying to the amount drawn; weekly payments may be fixed or variable. A sales-based advance uses an agreed percentage of sales, so the dollar payment generally rises or falls with sales and the duration is estimated rather than fixed.

Subject to approval, a fixed-term solution or a sales-based advance may sometimes be paired with a revolving line of credit. Fixed-term financing and a sales-based advance are not combined with each other in the same dual structure described in the current overview. A partner may also consider paying out or refinancing an existing business obligation, but it may require current statements, a balance confirmation, or a payout letter and is never guaranteed.

Review the net amount delivered and every deduction; the rate, fixed financing cost, or total purchased amount; payment amount and frequency or sales percentage; stated term or estimated duration; security and guarantees; all fees and conditions; and any prepayment, reconciliation, or adjustment provisions. Compare the complete written economics, not only the approved amount or speed. The final agreement controls.

Information may be shared with authorized independent financing and service partners for evaluation, verification, underwriting, processing, funding, servicing, and administration as described in the signed application and applicable privacy notices. Send bank-generated PDF documents whenever possible. Never email online-banking usernames, passwords, one-time codes, or security answers.

Complete and sign the EZ Financing Business Funding Application and send the requested bank-generated documents. EZ Financing will check the file, clarify the objective, and coordinate the review. Applying does not guarantee approval and does not require you to accept an option. You are committed only if you choose to sign the applicable partner's final agreement.

EZ Payments helps businesses assess their payment-acceptance needs and explore solutions offered by independent payment-processing partners, based on industry, sales channels, transaction profile, current setup, and partner eligibility. We coordinate the assessment and introduction; the selected provider supplies any approved services under its own agreement.

No. EZ Payments arranges payment-processing solutions through independent partners. EZ Payments is not a merchant acquirer or payment processor and does not itself authorize transactions, settle card payments, hold merchant transaction funds, or issue final account approvals. Those functions are performed by the selected provider, acquirer, payment networks, and participating financial institutions.

Depending on partner availability and approval, solutions may support in-person, online, mobile, mail or telephone-order, and recurring payments. Options may include countertop, wireless or mobile terminals, virtual terminals, e-commerce gateways, payment links, and selected point-of-sale integrations, as well as credit, debit, contactless, and mobile-wallet acceptance. Available brands, currencies, features, and service areas must be confirmed in the written proposal.

Legally operating businesses may request a review, but not every industry, product, service, sales method, or business model is eligible. The processing partner may assess the business and its owners, sales channels, volume, average ticket, delivery practices, processing history, refunds and chargebacks, banking, website, and other risk factors. Approval is not guaranteed, and transaction limits, reserves, delayed deposits, or extra documents may be required.

A provider will typically request the legal name, registration information, address, ownership and contact details, bank-deposit information, products or services sold, website, sales channels, monthly processing volume, average transaction value, and current processing statements, if available. Identification, a void cheque or bank confirmation, financial information, licences, and refund, cancellation, or delivery policies may also be required. The exact checklist and any identity or credit checks depend on the provider.

We review the business's current setup, transaction channels, processing statements, card and transaction mix, equipment, software needs, service requirements, and contract priorities. A useful comparison considers the estimated total monthly cost, pricing model, deposit timing, hardware and integrations, support, contract term, cancellation, and risk conditions — not only a single advertised rate. Any estimate depends on the accuracy of the information supplied.

The total cost may include interchange or wholesale rates, network assessments, the provider's markup, per-transaction charges, monthly or account fees, terminal or software costs, gateway and authorization fees, PCI-related or non-compliance fees, refund or chargeback fees, and applicable taxes. Costs vary by card type, transaction method, volume, average ticket, industry, risk, and pricing model. A single rate does not necessarily represent every transaction or the complete cost.

Interchange-plus separates underlying card-network and issuer costs from the processor's stated markup. It can make pricing easier to analyze, but the complete cost can still include network assessments, per-transaction charges, monthly fees, equipment, gateways, and other services. Review the full disclosure and a realistic estimate based on your own card mix and volume.

No. A proposal may compare estimated costs using the statements and information provided by the business, but actual costs depend on card mix, volume, transaction method, refunds, chargebacks, optional services, and future fee changes. Any comparison should state its assumptions. EZ Payments does not guarantee savings, the lowest available rate, or a specific future processing cost.

Review the provider's complete cost-per-transaction and fee disclosures, pricing assumptions, contract term, renewal and cancellation rules, equipment and gateway agreements, deposit schedule, reserves or holds, chargeback process, PCI responsibilities, support, and data practices. Canadian merchant protections may create additional disclosure and cancellation rights in certain circumstances. The provider's final written agreement governs the service.

Deposit timing depends on the provider and acquirer, batch-closing time, transaction type, merchant bank, weekends and holidays, underwriting or risk review, and the written agreement. Refunds, chargebacks, suspected fraud, reserves, account changes, or compliance issues may delay or reduce a deposit. Only the approved agreement can confirm the expected schedule and cut-off times; EZ Payments does not guarantee same-day or next-day deposits.

Timing depends on a complete and accurate application, the partner's underwriting and verification, the business's risk profile, equipment availability and shipping, configuration, and technical integration. EZ Payments cannot guarantee an approval or activation date. Keep the current payment solution active until the new account has final written approval and the new setup has been installed and tested.

Possibly, but compatibility must be verified before the agreement or equipment order is finalized. Confirm connectivity, supported software, hardware ownership, rental, purchase or lease terms, installation, warranty, replacement, accessories, cancellation, and equipment-return obligations in writing. Some devices are locked or certified only for a particular provider and cannot be reused.

Contract terms are not universal. Month-to-month options may be available, but you must review the fixed term, automatic renewal, notice deadlines, termination charges, and any separate terminal, gateway, or equipment agreement. Canadian merchants may have additional cancellation rights under the current Code of Conduct in certain fee-change or notice situations. Coordinate the changeover, equipment return, and written cancellation confirmation to avoid interruption or duplicate fees.

PCI DSS is the Payment Card Industry Data Security Standard, a baseline of technical and operational requirements for protecting payment account data. Merchants remain responsible for the validation and security steps assigned by their provider or acquirer, even when using a validated terminal or hosted solution. Requirements may include an applicable self-assessment questionnaire, scans, access controls, updates, and staff procedures. Follow the provider's current instructions and never treat a device alone as proof of complete compliance.

Information may be shared with EZ Payments, the selected provider or acquirer, payment networks, financial institutions, and authorized service providers when needed to assess, open, support, and operate the account. Each organization's agreement and privacy notice governs its handling. Review collection purposes, access, retention, service providers, cross-border processing, and incident contacts. Never send EZ Payments full card numbers, security codes, passwords, or sensitive authentication data by ordinary email.

A chargeback begins when a cardholder disputes a transaction through the card issuer. The amount may be reversed or debited and fees may apply while the provider or acquirer administers the dispute under network rules. An authorization does not guarantee final payment. Respond through the provider within the stated deadline using complete records, such as invoices, communications, policies, and proof of delivery or service. EZ Payments cannot decide or guarantee the outcome.

Rules vary by province, card network, transaction, and business type. In Quebec, a merchant generally cannot add a fee to the advertised price because a consumer pays by debit or credit card. Different rules and network conditions may apply elsewhere, while payment-method discounts may be permitted. Obtain written confirmation from the processor and verify the current provincial and network rules before applying any fee, convenience charge, or discount.

EZ Payments can coordinate the initial review and help direct onboarding questions, but transaction authorizations, deposits, terminals, PCI validation, chargebacks, technical support, and account decisions are handled by the selected provider or acquirer. To begin, share your business profile, payment channels, expected volume and average ticket, current statements if available, equipment or integration needs, and contract priorities. Review and approve the provider's complete written proposal before changing systems.

EZ Outbound provides managed B2B and B2C prospecting, qualification, and appointment-setting services for eligible campaigns in Canada and the United States. We prepare the campaign, conduct structured live-agent outreach, qualify business contacts or individual consumers against client-approved criteria, confirm appointments, and deliver the appointment context directly to the client. A campaign may be B2B, B2C, or mixed, subject to campaign acceptance and compliance review.

The service includes campaign planning and B2B/B2C segmentation; targeting, territories, and operating parameters; prospect-list sourcing or preparation, deduplication, suppression, and exclusions; scripts, required disclosures, qualification or eligibility questions, and booking flow; dedicated-agent preparation, management, coaching, and live outreach; appointment confirmation; delivery through the authenticated client portal; email notifications, notes, reporting, quality review, and recordings only where lawful, enabled, and supported by the required notice or consent. The exact scope is confirmed in writing before launch.

Yes. Each selected agent represents dedicated service capacity assigned to the client's approved campaign and managed by EZ Outbound. The agent is not an employee of the client, cannot bind the client, and is prepared, coached, and supervised by EZ Outbound. The client communicates approvals, feedback, and campaign changes through one designated EZ Outbound point of contact rather than recruiting or supervising the agent directly.

The standard capacity is one dedicated managed agent with seven active calling hours per day, Monday through Friday, five business days per week, scheduled within the approved local calling windows. Unlimited dials means continuous calling with no contractual per-dial cap or preset dial package for that agent. Actual activity still depends on the data, connect rates, dialing method, technical limits, qualification depth, required notes and follow-up, and campaign controls. It does not guarantee a specific number of attempts, contacts, conversations, or appointments.

The current Canadian price is CAD $3,000 per agent per month, plus applicable taxes. The current United States price is USD $2,100 per agent per month, plus applicable taxes. Fees are invoiced in advance and cover the assigned service capacity, campaign setup, execution, agent management, reporting, and optimization described in the written scope. Additional capacity, data, territories, channels, or services require written approval and pricing. The signed agreement and invoice control the applicable price and billing terms.

No. The service is month-to-month with no minimum term, fixed-term commitment, or early-termination fee. It renews monthly. Either party may cancel in writing before the next billing date, with cancellation effective at the end of the current paid period. Once work for a monthly period begins, that period's fee is earned and non-refundable except where law requires otherwise or EZ Outbound ends the service without client default. The signed service agreement controls.

Yes, subject to campaign acceptance and compliance review. A B2B campaign reaches organizations and the owners, executives, decision-makers, or relevant representatives authorized to evaluate a business offer. A B2C campaign reaches individual consumers or households within an approved audience, territory, and eligibility profile. A mixed campaign contains both journeys, which are segmented before launch. A strong fit has a clear offer, supportable claims, defined targeting and criteria, an appropriate and lawfully usable audience, sufficient meeting availability, and a client team ready to conduct meetings and follow up promptly.

B2B, B2C, or mixed campaigns may target Canada, the United States, or both, and the campaign language is confirmed during onboarding. Before launch, the written scope identifies the country, province or state, language, time zone, audience, communication channel, dialing method, data source, and applicable operating requirements. A new territory, audience, or channel may require different data, permissions, disclosures, registrations, suppression, scripts, or recording practices. EZ Outbound may pause or decline a campaign whose parameters are incomplete or unsupported.

The client provides a completed and signed EZ Outbound Service Application; accurate business, offer, and campaign information; a B2B, B2C, or mixed designation; approved audience, territories, objectives, qualification or eligibility criteria, exclusions, claims, and disclosures; a validated data source and lawful-use basis; permission or consent records where required; suppression instructions; meeting availability, booking method, time zones, recording approach, escalation contacts, and required system access. The written campaign scope, script, questions, calling windows, agent capacity, delivery workflow, and responsibilities must be approved before outreach begins.

EZ Outbound can source or prepare a prospect list, remove duplicates, and apply approved exclusions and suppression instructions as part of the managed service. If the client supplies data, the client must be authorized to provide and use it and must disclose the source, audience, number types, restrictions, permissions or consents, and current internal suppression records where required. B2C data receives additional review because consumer calling can depend on do-not-call status, consent, calling method, territory, and sector. No list source guarantees that every record is complete, current, reachable, eligible, or legally usable.

The client approves the campaign type, offer, pricing and claims, target audience and territories, script, required disclosures, qualification or eligibility questions, exclusions, booking flow, and definition of a qualified appointment. EZ Outbound helps structure consumer-appropriate or business-appropriate messaging, prepares the agent, and may recommend changes based on quality review and results. EZ Outbound may refuse or pause instructions or campaigns that appear unlawful, misleading, discriminatory, abusive, unsupported, incomplete, non-compliant, or outside the written scope.

This is the universal client-facing status for accepted B2B and B2C appointments. The prospect must match the approved targeting and qualification criteria. In B2B, the contact must be the agreed decision-maker or relevant representative; in B2C, the contact must be the intended individual and meet the approved eligibility rules. The prospect must understand the company and meeting purpose, show relevant interest, and explicitly agree to a specific date and time. The time zone and required contact details must be confirmed, the appointment cannot be a duplicate, the prospect must not appear on an applicable exclusion or suppression list, and the notes must support the qualification and context. No agreed date and time means no delivered appointment.

After campaign preparation and ramp-up, the internal operating objective is at least two Qualified Leads – Confirmed Appointments per business day worked, per agent. This is a performance objective, not a guaranteed minimum, and B2B and B2C performance can differ. EZ Outbound does not guarantee attempts, contacts, conversations, appointment volume, qualification, attendance, sales, contracts, enrollments, revenue, conversion rate, or return on investment. Results depend on the campaign type, offer, price, market, demand, data quality and provenance, consent status, connect rates, criteria, seasonality, compliance constraints, meeting availability, and the client's sales process and follow-up.

Prospect attendance is not guaranteed. EZ Outbound confirms the date, time, time zone, contact, and meeting purpose at booking, but a B2B or B2C prospect may later reschedule, cancel, or fail to attend for reasons outside EZ Outbound's control. The client should review each delivery promptly, send calendar invitations or reminders as agreed, attend on time, and provide specific feedback. Any re-contact or replacement approach must be stated in the written campaign scope; it should not be assumed.

No. EZ Outbound performs prospecting, live qualification, and confirmed appointment setting only. The client remains responsible for the meeting, presentation, technical or commercial questions, follow-up, proposals, negotiation, enrollment, contracting, payment collection, final purchasing decisions, fulfillment, cancellations, refunds, and ongoing service. EZ Outbound does not request or retain prospect card or banking information, process transactions, promise a sale, or bind the client to any terms. Any sale, enrollment, agreement, payment, cancellation, or refund is handled directly between the client and the prospect through client-controlled channels.

The standard delivery includes the campaign type; only the business, contact, or consumer information required for the approved purpose; qualification notes; the confirmed meeting purpose, date, time, and applicable time zone; the assigned-agent name; and the delivery timestamp. The appointment is added to the authenticated client portal and an email notification is sent. An MP3 is included only when recording is lawful, enabled for the campaign, and the notice and consent required in the applicable jurisdiction have been obtained. Notes remain available whether or not recording is enabled.

The standard workflow uses the access-controlled EZ Outbound client portal and a confirmed booking method. Calendar or CRM access may be used when approved and technically supported. Direct integrations are not automatic and must be confirmed during onboarding, including user permissions, fields, ownership, security, testing, and any added cost. The client must maintain accurate availability and restrict access to authorized users.

No. The standard service is managed live-agent B2B and B2C outbound calling. Email campaigns, text messaging, prerecorded calls, automated marketing, and artificial or AI-generated voice calls are not included by default. Any additional channel or dialing method requires separate written approval, a confirmed scope and price where applicable, and verification of the consent, identification, disclosure, unsubscribe, suppression, and recordkeeping requirements that apply to the audience and territory. Automated, prerecorded, artificial-voice, or promotional-text activity is used only when the required documented consent and other conditions are satisfied.

Each party must follow the requirements applicable to its role, audience, territory, channel, number type, sector, and dialing method. The client supplies lawfully usable data, accurate and supportable claims, required permissions or consents, restrictions, and suppression records. EZ Outbound manages the registrations, caller identification, permitted local calling windows, screening, do-not-call requests, escalation, agent procedures, and campaign records assigned to its role. B2C campaigns require enhanced review of list provenance, consent status, suppression, disclosures, dialing practices, recording, and jurisdiction-specific rules. A B2B purpose is not a blanket exemption from telemarketing, privacy, recording, or electronic-message requirements. Calls are recorded only when lawful, enabled for the campaign, and supported by the required notice or consent.

Business-contact and consumer information is delivered through the authenticated client portal for the approved campaign purpose. Access is limited to authorized personnel, authorized client users, and safeguarded service providers involved in delivery. Portal credentials, personal information, notes, and recordings must not be shared with unauthorized users. At the end of service, EZ Outbound returns or securely deletes personal information as the client directs unless retention is required by law. If the client gives no direction, the current service agreement provides for secure deletion within 30 days, subject to legally required retention.

Complete and sign the EZ Outbound Service Application, then provide the approved B2B, B2C, or mixed campaign type; offer; audience; territories; objectives; claims and disclosures; qualification or eligibility criteria; data source and lawful-use basis; required permission or consent records; exclusions and suppression instructions; availability; booking workflow; time zones; recording parameters; escalation process; and point of contact. EZ Outbound will prepare the written campaign scope, list, adapted script, portal, and dedicated agent. Launch timing depends on campaign acceptance and completion of the required approvals, data, payment, access, and compliance controls.