EZ AUTO Capital is a private finance company that purchases auto loan agreements from EZ AUTO, a buy-here-pay-here dealership in Lakeland, Florida, at a discount. This provides EZ AUTO with liquidity while allowing EZ AUTO Capital to earn a profit on the contracts.

We offer capital partners a secure, fixed-income opportunity, with predictable returns backed by auto receivables.

Double-Collateral Security – Unlike many unsecured investments, EZ AUTO Capital offers loans backed by two layers of collateral:
- The auto loan agreement ("the paper")
- The vehicle itself

This dual-collateral structure provides enhanced security for capital partners.

Stable Subprime Market – We specialize in the subprime auto lending market, which is less affected by market fluctuations, offering a more consistent and predictable lending opportunity.

Real Assets, Real People – Unlike stock market derivatives, each loan is backed by a real customer making real payments on a real vehicle, creating a tangible and straightforward capital placement opportunity.

Proven Leadership – EZ AUTO Capital is led by German Jackson and Ysmael Bouchard, experienced professionals who have successfully operated EZ AUTO since 2017. Their expertise and proven track record in auto financing provide trust and confidence for capital partners.

EZ AUTO Capital offers capital partners a fixed annual percentage rate (APR), ensuring consistent and predictable returns. Unlike variable-rate opportunities that fluctuate with the market, our fixed-rate model provides stability and reliability.

Returns typically range from 8% to 12% annually, depending on the agreed-upon terms at the time of lending.

The minimum capital commitment is $100,000. However, if you participate in a pooled portfolio, you can commit as little as $10,000.

A pooled portfolio is a limited-time opportunity offered by EZ AUTO Capital for individuals who cannot or do not want to commit $100,000 on their own.

Periodically, EZ AUTO Capital creates pooled portfolios totaling $100,000 or more, funded by multiple capital partners. Once the portfolio is fully funded, these pooled funds are used to purchase auto loan agreements. This enables participants to access our secured, fixed-income opportunity with a lower minimum commitment—starting at just $10,000.

Since pooled portfolios are not always available, interested capital partners should inquire about upcoming opportunities.

The standard capital commitment term with EZ AUTO Capital is three years, aligning with the duration of the auto loan agreements the company purchases. The exact term is determined by the agreement at the time of lending.

EZ AUTO Capital ensures capital protection through a dual-layer security structure, backed by both loan agreements and the underlying vehicles.

Pledge Agreement: In the unlikely event of a default, capital partners have the right to take ownership of the auto loan agreements. This allows them to either collect payments directly from customers or sell the contracts to a third party bank or finance company.

Collateral Security: Every loan agreement is secured by the vehicle itself, ensuring that capital commitments are backed by tangible assets.

This structure provides a secure and asset-backed lending opportunity, reducing risk and ensuring capital stability.

Reach Out – Contact us at contact@ezautocapital.com to express your interest.

Discuss Opportunities – Ysmael Bouchard will provide details on available lending opportunities and answer any questions.

Finalize the Agreement – Review and complete the required documents to formalize your commitment.

Transfer Funds – Send funds via wire transfer or ACH as outlined in the agreement.

Receive Payments – Once your capital is deployed, you’ll begin receiving payments according to your agreement.

Not at the moment.

EZ AUTO Capital makes monthly interest payments to capital partners. Payments are distributed during the first week of each month.

Your monthly payments consist of interest-only payments based on your loan principal. EZ AUTO Capital distributes these payments each month, with the full principal remaining intact until the end of the term.

EZ AUTO Capital’s lending program is structured for a fixed three-year term, and capital partners are expected to hold their commitment for the full duration.

The tax implications of lending money to EZ AUTO Capital depend on your location and tax status. Generally, for U.S. taxpayers, interest earned from the loan is considered taxable income and is reported on a 1099-INT.

We strongly recommend consulting with a tax professional to understand the specific tax obligations related to your situation.

EZ AUTO Capital uses a proprietary underwriting model to carefully evaluate and select auto loan agreements for purchase. This process considers key factors, including:

- Borrower's creditworthiness
- Vehicle value relative to the loan amount
- Loan terms and structure
- Borrower's employment history and income

A strong focus is placed on stability, ensuring that each loan meets reasonable Payment-to-Income (PTI) and Loan-to-Value (LTV) ratios. These measures help assess the borrower’s ability to repay, reducing risk and ensuring quality loan performance.

This rigorous selection process helps minimize defaults and maximize returns for capital partners.

Founded in 2020, EZ AUTO Capital has been providing secured lending opportunities for over four years, backed by auto receivables.

EZ AUTO Capital is headquartered in Lakeland, Florida, USA, and operates within the U.S. auto finance market.

1. Email: contact@ezautocapital.com

2. Contact Form