EZ AUTO Capital is a related finance company (RFC) that purchases and services retail installment contracts originated by EZ AUTO, a buy-here-pay-here (BHPH) used car dealership based in Lakeland, Florida.

We provide liquidity to EZ AUTO by purchasing its contracts, allowing the dealership to continue financing car purchases for its customers.

EZ AUTO Capital also provides investors with the opportunity to invest in these retail installment contracts, thereby providing a potential return on investment.

Our company works hard to ensure the safety of investor's funds through various measures such as collateralization, credit scoring, and insurance policies.

1. Security: Unlike many investment opportunities that are unsecured, EZ AUTO Capital offers loans that are backed by the underlying collateral of the retail contracts, which are the vehicles themselves. This provides a greater level of security for investors.

2. Sub-prime market focus: EZ AUTO Capital focuses on the sub-prime auto lending market, which is less susceptible to market fluctuations than other investment opportunities. This provides a more stable investment option for investors.

3. Real customers: Each retail contract is backed by a real customer who makes payments on the loan, rather than a derivative product in the stock market. This provides a more tangible investment opportunity for investors.

4. Experienced management: The owners of EZ AUTO Capital, German Jackson and Ysmael Bouchard, have years of experience in the auto industry and have successfully owned and operated EZ AUTO since 2017. This provides a level of expertise and trustworthiness that is not always found in other investment opportunities.

EZ AUTO Capital offers a fixed rate of return to its investors. This means that investors can expect to earn a consistent and predictable return on their investment, which is based on the fixed APR agreed upon at the time of investment. This differs from variable rate investments where the return may fluctuate based on market conditions or other factors. Generally, investors can expect competitive returns ranging from 8% to 12% annually.

The minimum investment amount is $150,000.

The term of the investment with EZ AUTO Capital is typically 3 years. This is because the retail contracts that the company purchases have a term of 3 years.

However, the exact term may vary depending on the specific investment agreement reached between the investor and EZ AUTO Capital.

1. Pledge Agreement: In the unlikely event of a default by EZ AUTO Capital, investors have a Pledge Agreement that allows them to take ownership of the contracts and continue to collect payments or sell them to a third-party purchaser.

2. Collateral: Each contract is also backed by the underlying collateral, which are the vehicles themselves.

1. Contact EZ AUTO Capital:
   - contact@ezautocapital.com

2. Discuss investment options: Ysmael Bouchard will discuss investment opportunities with you and provide details on the investment options available.

3. Complete the required paperwork: Once you have decided to invest with EZ AUTO Capital, you will be provided with the necessary paperwork to complete your investment.

4. Transfer funds: After completing the required paperwork, you can transfer your funds to EZ AUTO Capital via wire transfer or ACH.

5. Begin receiving payments: Once your investment is processed and funded, you will begin receiving regular payments according to the terms of your investment agreement.

Not at the moment.

EZ AUTO Capital pays its investors on a monthly basis in the form of interest. Once the loan reaches maturity, the investor has the option to either renew the loan or withdraw their principal.

The company pays out to its investors on the first week of each month.

The monthly payments consist of the interest earned on the loan principal. EZ AUTO Capital pays out interest-only payments to the investor on a monthly basis.

At the end of the loan term, the investor has the option to renew the loan or withdraw their principal.

EZ AUTO Capital's investment program is designed for a fixed term of 3 years, and the investors are expected to hold their investments for the full term. However, there may be certain circumstances where early withdrawal is possible, such as in the case of a financial hardship or unforeseen circumstance.

If you need to withdraw your investment early, you should contact EZ AUTO Capital to discuss your options.

Yes, the penalty is equal to three months' worth of interest payments.

The tax implications for an investor that lends money to EZ AUTO Capital will depend on the specific tax laws in their country or region. In general, the income earned from the loan would be subject to income tax and would be reported on a 1099-INT for a U.S. taxpayer.

It is recommended that investors consult with a tax professional to understand the specific tax implications for their situation.

EZ AUTO Capital uses a proprietary underwriting model to select the loans that it purchases. This model evaluates factors such as the borrower's creditworthiness, the value of the vehicle being financed, and the terms of the loan.

The company also considers the borrower's employment history and income to determine their ability to repay the loan. EZ AUTO Capital's underwriting process is designed to identify loans that have a high likelihood of being repaid, which helps to minimize the risk of default and maximize the returns for investors.

EZ AUTO Capital was founded in 2020, so it has been in business for a little over 3 years.

Lakeland, Florida

1. Email: contact@ezautocapital.com

2. Contact Form