Your Training Guide

• Client receives 100%
• Client pays merchant
• Merchant pays Eaze 10% fee
• Total collected by merchant 90%
• Early Payout Option: Yes

• Best suited to prime and near prime candidates
• Early payout option: clients can clear the loan ahead of schedule

Over 800 cards available. The cards your client can access depend on their profile, and the options are very flexible.

• Prime
• Near prime

• Copy of Driver's License
• 2 most recent pay stubs
• Most recent bank statement
• Active checking account
• Be with Current employer for at least 3 months

• Copy of Driver's License
• One month of most recent bank statements
• Active checking account
• Must have 2024 and 2025 filed tax returns (PDF format required)

1. Confirm the Sale & Take Deposit
   • For deals $5k+ ONLY
   • Once the client is ready, collect your upfront deposit or commitment fee.
   • This locks in their spot and confirms they're proceeding with finance.
2. Submit the EAZE Finance ApplicationTime Required: 2 to 3 minutes
   • Log into the Eaze Platform Login Here
   • Use your business email and password that was set
   • Click "US Application"
   • Complete the form live with the client
   • Submit the application
   The application is now in the system for internal review. You can check the slack channel for notifications as the deal progresses.
3. Internal Assessment & Pre-Approval
   • Our EAZE team reviews the application
   • If it meets lending criteria, we pre-approve the client internally
   • Once pre-approved, the client receives: a text and email with a link to book a call
   • A call from our team to pitch terms and move the deal forward
4. Finance Call
   The client either
   • Books a call via the link in their message
   • Or speaks to our team when we call them first
   During this call, our broker team
   • Verifies ID and financial details
   • Pitches lender terms (rates, repayments, etc.)
   • Handles objections if needed
   • Collects approval to proceed
   • Gathers documents and submits to the matched lender
5. Lender Submission & Approval
   • Our broker submits the full application to the selected lender
   • Approval timeframe is 1 to 24 hours, often within a few hours
   • If additional info is required, our team handles it directly with the client
6. Loan Docs Sent
   • Once approved, the lender sends digital loan docs to the client
   • Our team helps ensure these are completed quickly
   • Most clients sign same-day
7. Funds Released · Begin OnboardingFunding Timeframe: Same day to 1 business day after loan docs are signed
   After settlement
   • You are notified immediately
   • Send your agreement + payment link
   • Collect any outstanding payment
   • Begin onboarding the client into your program

You can monitor the entire process in real-time.

• View notes
• Track progress
• Stay updated on funding status

• Early Payout Option: Yes

1. Submit Your ApplicationApply online through your EAZE Finance application link. No documents are required upfront, and there's no impact on your credit score at this stage.
2. Get Pre-Approved & Book a CallIf eligible, you will get a pre-approval message via text / email and a link to book your funding call.
3. Review Your Loan Offer on the CallYou will speak with an EAZE finance specialist who will do a soft credit check, explain your options, and walk you through the terms.
4. Submit Supporting DocumentsUpload your ID, income documents, and bank statements through a secure link. Our team helps you every step of the way.
5. Final Approval & SignOnce your file is reviewed and approved, you will sign a digital contract. This usually happens within 24 to 72 hours of submitting your documents.
6. Receive Your FundsFunds are deposited directly into your bank account usually within 1 business day after signing.

Once your documents are submitted, most clients receive full approval and funding within 24 to 72 hours.

No. The initial review includes a soft credit check that doesn't impact your score. A full credit check is only completed if you move forward with the loan and are approved which may affect your credit score.

Yes, most of our lenders allow early repayment with no penalties. You can pay it off sooner and save on interest.

No, there are no upfront costs to apply. If you're approved and choose to move forward, any applicable fees will be clearly outlined before you sign. Fees vary depending on the lender.

• Coaching or mentorship programs
• Business start-up or expansion
• Course enrollments
• Relocation, debt consolidation, or lifestyle upgrades etc

Yes, if you earn at least $5,000/month and can show proof of income (1099s, or tax returns), you may be eligible.

The monthly fixed repayments over 2 to 5 years. We help you select a term that fits your budget.

You will receive a digital contract to sign. After that, funds are typically transferred to your account within 1 business day.

Yes. Our lenders each have different criteria. We look at your full profile, not just your credit score.

Not always. If you're self-employed or applying for a higher loan amount, lenders may request 2024 and 2025 tax return or 1099 form.

We're currently only able to support U.S. citizens and permanent residents. Unfortunately, visa holders are not eligible for funding at this time.

Yes as long as your income supports the new repayment alongside your existing obligations.

• Government-issued photo ID
• Proof of income (payslips, bank statements, or 1099s)
• Bank account details for funding

Once your loan is matched, your finance specialist will explain the chosen lender, the repayment terms, and send you a formal credit disclosure guide before you commit.

"After pitching your service and addressing client's questions, transition to payment options"

For us to move forward with (product / service and the outcome) the investment needed is only ($ amount)..

We have 2 options..

You can either pay the full amount upfront, which is ($ amount) or you can do what most of our other clients do and get access to funding through our in-house finance team which will make the monthly repayments much more affordable..

Sales Team Notes:
If the client wants to pay in full, organise the payment now and complete the sale.
If they want to discuss finance.. Move to next steps

With financing, there's no need to worry about the upfront payment..

Our team will help you break the cost down into smaller, affordable repayments, so you can move forward without any financial stress.

The process is simple and you will know exactly what your repayments will look like.

Sounds fair enough?

Ok perfect, all I need to do now is to complete a short application for our team so they can assist you moving forward..

Next steps for you as the sales team:
Complete the application form

Be prepared to handle typical concerns confidently:

Objection 1: "I don't want to take on debt."

I completely understand..many people feel the same way. The great thing about our financing options is that it's tailored to you and we focus on keeping the repayments small and easy to manage, so they fit comfortably within your budget. It's there to minimise any concern of the upfront cost, this way it will allow you to get access to (product / service) while preserving capital and only having affordable monthly repayments..

Objection 2: "What's the interest rate?"

Great question! The rate depends on the loan term and your situation, but our finance team will walk you through everything upfront. They will show you a complete repayment breakdown before you decide, so there are no surprises.

Objection 3: "I need to think about it."

I understand.. Can I make a suggestion? What might help is having a quick chat with our finance team to see how the repayments could work for you. That way, you have all the information you need to make the best decision.

Objection 4: "I'm not sure I'll qualify."

That's okay, we understand.. Our finance team specialises in working with all kinds of situations. Even if you're unsure, they'll guide you through the process and help find a solution that works for you.

Objection 5: "Can I pay it off early?"

Absolutely! Most of the time, you can pay it off early if you want to and they'll explain how that works. It's a really flexible option.

How would you like to proceed from here?

Would you prefer to pay upfront or should I set up a quick chat with our finance team to explore more affordable repayment options?

Next steps for you as the sales team IF they want to proceed with finance:
Complete the application form inside of the merchant portal

• Keep it conversational and natural..
• The goal is to make the client feel comfortable and supported, not pressured.
• Focus on how financing can make their life easier and stress free.
• Always give the client the choice, but highlight financing as the smarter, more flexible option.
• End confidently and be ready to answer any follow up questions

• Annual Income: $40,000+ (Client MUST be able to afford the repayment)

Applicants may qualify for 0% interest financing for 12 to 24 months.

• Annual Income: $40,000+ (Client MUST be able to afford the repayment)

1. Initiating the ApplicationPartners can initiate an application directly from the dashboard to be sent to the client.
   • Access the Link: Log into the partner dashboard and click on your profile to find your unique application link.
   • Delivery Options: You can copy the link manually or send it directly to the client via email or text from the platform.
   • Client Completion: The client must complete the application themselves to ensure data accuracy and legal validation.
2. Client Information & Pre-CheckOnce the client opens the link, they will begin a brief 3-minute application process.
   • Branding: The application will display your business logo and specific product types.
   • Service Selection: The client selects the specific product or service they are purchasing.
   • Personal Details: The client enters their legal name, address, Social Security Number (SSN), date of birth, and contact information.
   • Resuming Applications: If a client starts but does not finish, they can use the "Existing Application" button to resume their progress later.
3. Identity VerificationTo protect against fraud and validate the applicant, the system uses a secure verification step.
   • OTP Verification: The client receives a text message with a code to enter into the application.
   • Manual Alternative: If the code is not received, the client has the option to verify their identity via a phone call.
4. Offer Selection & DecisionAfter verification, the system presents the client with tailored financing options.
   • Reviewing Offers: Clients (and partners via the dashboard) can see multiple offers with a full breakdown of the loan amount, APR, monthly repayment, and total interest.
   • Instant Decision: For most ticket sizes, the decision is instant.
   • Higher Ticket Items: For larger loan amounts, the client may be redirected to provide additional details regarding income or employment.
5. Contract & FundingThe final stage completes the transaction and initiates the payout.
   • Signing: Once an offer is selected, the client receives digital loan documents via email for an electronic signature.
   • Settlement: After the documents are signed, the deal is considered settled.
   • Payout: Funds are disbursed to the business owner via direct ACH within 48 to 72 hours.

EZ Check installs invisibly inside your funnel, behind any form you already use: a lead capture form, an application form, or a calendar booking form. At first glance you would not even realise it is there, and the customer never sees it.

Exact placement in your funnel is decided together during deployment. EZ Check only ever pulls data for clients based in the US; it is not international.

When a lead submits the form (first name, last name, email and phone number) EZ Check pings the system, which is connected to US reporting bureaus, and in real time returns four data points back into the lead record, before the client even books their call.

You get the EZ Check pipeline installed as part of deployment, customizable to your sales process. Leads are sorted into two stages so your team always knows the right route.

1. Open the lead cardBefore any call, open the lead and scroll to the EZ Check panel.
2. Read the four numbersIncome, available credit, credit score and DTI. In seconds you already know the route: finance, or pay in full via savings or credit card.
3. Work Is Pre-Qualified firstPrioritise the pre-qualified pipeline. These are your highest-likelihood approvals, so call them with conviction.
4. Route PP / PIF leads to pay-in-fullFor leads that do not qualify for finance, lead with a pay-in-full or discounted pay-in-full offer sized to their income.

Open Tyson's lead, scroll to EZ Check, and you see these numbers before you call. Available credit reads $18,000 because, for example, a $20,000 line of credit with $2,000 already spent leaves $18,000 available.

• Speak only to qualified buyers. Spend your hours on people the data says can pay.
• Stop wasting time. No more running someone through the full sales process only to find they cannot afford it.
• Sell with conviction. When the numbers back the buyer, you pitch with confidence.
• Tailor the offer to the data. Finance, credit card or savings, matched to what the lead can actually do.

Over time, EZ Check gathers real financial-qualification data on your leads. You can use that data to sharpen your targeting, not just your calls.

1. Build a smart listAssemble a smart list of your highest-quality, pre-qualified buyers from the financial data EZ Check has gathered.
2. Sync it to your Meta PixelPush that smart list back to your Meta Pixel as a custom audience.
3. Build lookalikesCreate lookalike audiences from your financially qualified buyers.
4. Let Meta optimizeMeta then optimizes toward people who resemble your qualified buyers, so over time lead quality rises and your cost per qualified lead drops.

Where EZ Check sits in your funnel and how the pipelines integrate with your sales process is set up with you during deployment. Questions are always welcome.

For help, reach Harvey, Shara or Edson in your Slack channel.