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Volunteer Marine Rescue Whitsundays Sponsored By Ezilend Finance

Ezilend Sponsors Volunteer Marine Rescue Whitsundays

Volunteer Marine Rescue Whitsunday (VMRW) is a squadron of Marine Rescue Queensland whose primary objective is to SAVE LIVES AT SEA.  “We provide marine search and rescue services to the boating public and island communities on a volunteer basis,” said VMRW President, Mal Priday. “Funding support for Marine Rescue organisations is vital. The costs of maintaining, operating and providing assistance to the boating and island communities – not just in the Whitsundays, but nationwide – continue to increase year-on-year.”

Volunteer Marine Rescue Whitsundays Sponsored By Ezilend Finance

Abundant Coastlines and Growing Boat Ownership

With our nation’s abundant coastline, flowing waterways and beautiful weather, recreational boating is one of the leading pastimes in Australia. In Queensland, registered boat ownership* sits at an incredible 264,000… and rising!

To support the great work of the Whitsunday’s Volunteer Marine Rescue, Ezilend have stepped up to the table and provided vital funding support.

Silver Sponsorship

Ezilend Managing Director, Jack Bradford, said: “Ezilend was happy to become a Silver sponsor and contribute vital funding for a 2-year period to enable the service and volunteers to continue their life-saving work.” Jack has recently moved into the region and, as a keen boatman, he is certainly enjoying the lifestyle of the Whitsundays. Boating safety is important to the team at Ezilend which is what makes this partnership a win-win.

The Volunteer Marine Rescue operation is run entirely by volunteers including boat crew, radio operators, management, fundraisers, trainers and performs an essential emergency service for boat owners in the greater Whitsunday region. There are plenty of opportunities to get involved in local community organisations like the VMR, and these brave volunteers provide over 2000 man-hours a year saving lives. They are called on for assistance, on average, about 10 times a month for situations such as:

  • tow assists
  • search and rescues
  • medical evacuations from boats and island resorts and camping areas,
  • transfers of Queensland Ambulance, Queensland Fire and Rescue and also the Queensland Police Services to emergency situations.

The Volunteer Marine Rescue Whitsundays own and operate:

  • two purpose-built Rescue vessels: an 11.9-metre NoosaCat for open waters, large vessels and Medivacs, supplemented with a 6.7-metre Naiad RHIB for smaller vessels and inshore assists; and
  • two VHF radio stations on Hyman and Whitsunday Islands. 

In addition to the life-saving duties, VMRW provide boating information for visitors, including access to safety information, radio and navigation support, tidal and weather observations.

If you are serious about getting into the water with a new boat and need access to fast, easy finance, give Jack’s team a call! 1300 850 447


What comes with a Franchise Package?

One of the most significant business expenses for a startup can be buying your franchise.

What do you get when you become the proud business owner of a new franchise location? This is a question that many ready-to-launch entrepreneurs find themselves asking. In fact, it’s the first place to start when you’re contemplating buying your first franchise. It’s the starting line for calculating your costs, resources, and the real value of each franchise package up for purchase.

In the hundreds of available franchise options, franchise packages tend to be developed in about the same way. In addition to helping you turn investment capital into a new business, each franchise package should provide the ingredients to help you turn your location into a thriving extension of the brand’s business model.

Features of a Franchise Package

  • Structural Business Model

The one thing every franchise needs (other than a brand to license) is a business model. This business model and all the trappings that come with it are what makes a franchise valuable. The business model has been well-established, tested, and borne out with other franchise owners and now it can do the same for you. Franchisees put the business model into practical application by selecting and preparing a location for business.

The model also still provides the kind of flexibility and freedom that every entrepreneur craves to customise the business based on what’s best locally.

  • A Few Trade Secrets

Most franchise packages include a few vital tips inside the business model and guides offered by the parent brand. This might be recipes that make a franchise restaurant unmistakable to fans. It might be a certain way retail displays are put together.

  • Tools and Industry Technology

In today’s business world, every business comes with a stack of software. Possibly a stack of specific hardware and equipment as well. The kind of technology your business needs, fortunately, can also be provided by your core franchise in the franchise package. Every franchisee has access to the technology and the industry tools used to make the magic happen.

  • Back-Office Support

The back office is often what new entrepreneurs need the most help with. Finances, taxes, and legal compliances can pile up. Not to mention managing your complex network of relationships with vendors and services. Most franchise packages offer back-office services, training, and back-office support for franchisees. This can help you cover the experience and back-end staffing gaps early on.

  • Marketing Support

One of the most significant benefits of buying a franchise is marketing. You get to build on an existing brand instead of having to establish and build your own. Not only is this a great place to start, but a franchise also helps you with local marketing on the brand and image foundation.

  • Consultations with Industry Experts

In business, it never hurts to get a second opinion – especially if you’re new to business ownership or the staffing industry. If you want to consult with experts in the industry, your franchise is the perfect avenue to do this.

  • National Franchise Network

Finally, you can access the national network of connections, clients, and resources that has been nurtured by the core brand. You gain a connection to other franchisees across the country and to the brand’s vendors and widespread clients, just to name a few perks of the franchise network.

Are you looking to open your own business? We’re ready to help. Whether you’re starting from scratch and are building your own unique business model or choosing a smart franchise package to get started with, you’ll need more than just energy and elbow-grease. You’ll need investment capital and a smart team on your side to get the job done from branding to your opening day celebration. Contact us today to consult on your business plans and financial needs. From business coaching through our blog to startup capital, we’re here to help you turn your entrepreneurial goals into reality.

Tips to help you secure a Business Loan

Once you have an idea for a business and a team of professionals working by your side, your next big step to get your start-up off the ground will be to secure funding, likely through a small business loan. While banks and other financial institutions offer a wide range of financing options for businesses, you may still face challenges securing funding if you go into lender meetings unprepared.

Taking the right steps before applying for a small-business loan will reduce the likelihood of your application being rejected. At Ezilend, we want to help you to get the financing that you need to start your business. To help get you started, here is a look at a few steps that you can take to improve your chances of securing financing for your start-up.

Have a Good Business Plan

Before you apply for a small business loan, you must take the time to make a detailed business plan. A business plan serves as a roadmap that explains what your business does, how you plan to market your product/services, and it forecasts projected growth.

Making a business plan will not only show lenders that you are serious, but it also gives you time to think about your long-term goals. Once you know more about your business and goals, you will be more prepared to meet with lenders. You will have already contemplated the answers to most questions a lender might ask. Your business plan will also help give lenders a sense of what your business does and how you plan to turn a profit, improving your odds of securing a loan.

Determine Your Long-Term Goals

After creating a business plan, you will also need to map out your long-term goals for your business. Lenders want to see that you have a vision for your business, and simply saying that you want to make money won’t cut it.

You will need to take time to think about how you want to grow and expand your business. What proactive steps do you plan on taking to achieve your goals? Mapping a five-year timeline of steps you plan to take to grow your business will give lenders a concrete idea of how you plan on turning a profit. Lenders want to see proof that giving you a loan is not a risk. So anything that you can do to show that you have thought your business idea through and are prepared to grow your business can help you secure a loan.

Bring The Right Documents

Nothing looks less professional and ruins your chances of securing a loan more than not being prepared for a meeting with a potential lender. This makes it critical that you gather the right documents to take to your meeting and that you have them organised so that you can quickly find what you need at a moment’s notice.

The documents you most likely need include:

  • recent tax returns,
  • bank statements,
  • proof of insurance,
  • letters of incorporation, and
  • any applicable business licenses or other professional documentation.

You do not want something as basic as not having the right documentation with you derailing your chances of receiving a business loan.

Be Ready to Talk Numbers

It is also critical that you are prepared to talk numbers. You will need to know your business or business concept’s financials inside and out before your meeting to prove that you know what you are talking about. This demonstrates that you have a plan for your business’s financial future. Be ready to discuss:

  • your business’s ongoing costs,
  • how much you have invested in your business,
  • whether you have any investors,
  • how much money you anticipate needing, and
  • how long you anticipate it taking to pay back the loan.

Knowing the financials of your business can help a lender to decide whether or not you will have the means to pay back your loan. So showing that you are prepared and have done your research can demonstrate that your business is a good investment.

Taking the time to prepare before applying for a small business loan will give you the best chances of securing financing. Contact us to learn more about how you can improve your chances of securing approval for a business loan.

5 Smart decisions for home improvement during the pandemic

Your home is your castle, and right now during the pandemic, it’s also where you spend all of your time. One of the side effects of working and sheltering at home is noticing all the little improvements that could be made. You may already be tightening screws on towel rods and adding shelves to the laundry room. You might also be noticing more significant improvements you’d like to make or thinking about ways to improve your home for the duration of the pandemic.

We’re here to help. You can approach home improvements with a purpose-built loan to make your at-home pandemic time more enjoyable. Today, we want to highlight smart decisions you can make to improve your home during the pandemic.

Secure Your Home Perimeter

Take a walk around your home and your fence line. Home security is not just about keeping out robbers; it’s also about safely containing pets, small children, and even your gardening projects. You can also use gardening or remodelling to create a comfortable 1.5m distance between you and the nearest neighbour.

If your fence is old or damaged, repair it or install a new modern fence. If your gate sags or if the latch is rusty, repairs can significantly improve your overall home security. Check to make sure your exterior door locks are secure and that the doorframes are well-fitted and sturdy. Older homes often have external doors made from outdated materials and worn frames that could be quickly updated for greater security.

Create Safe Distancing on the Front Porch

One highly innovative way to upgrade your home is to create a security gate on the front porch. Fine steel mesh or shady wood lattice can create a polite distance between the front door and where visitors stand. Move the doorbell out and add a security gate on the porch. Then each delivery and no-contact service can be greeted at the door and share the shade of your porch without any risk of contact with the family.

Use this opportunity to build out your porch for hospitality as well. Add a table and a storage bench for the convenience of the delivery team. Leave tips and friendly notes in addition to creating more safety.

Make Your Home More Comfortable to Spend Time In

With the entire family at home far more than ever before, the next most practical improvement is one that increases the comfort of your house. Repair, tune-up, and upgrade your appliances like the air-conditioning, heating and hot water service. Build new cabinetry that adds shelves right where you need them. Or transform surfaces into murphy-style fold away furniture that can serve two or even three purposes.

You can add stairs, hidden safes, or windowsill benches. The right improvements for your at-home comfort will depend on your lifestyle and the shared routines of your family, as well as the architecture you’re starting with. You can also consult with a skilled home builder to get ideas for the smartest home improvements.

Make Smart Project Financial Decisions

Another part of making smart decisions is balancing your finances. The best improvements are ones that mesh well with your budget and your plans. You can invest savings that you have specifically set aside for a renovation. Or you can use the equity of your home to take out an improvement loan. Be sure that your renovations fit comfortably into your financial plans. Many modest improvement projects can significantly improve your home within the confines of your budget.

Work with Experienced No-Contact Custom Home Builders

You want to work with experienced contractors who understand the new no-contact terms. Custom home builders can help you not only bring your vision to life, but they can also advise on the smartest home improvement options. They can suggest ideas based on your current architecture and suggest a few clever improvements to help you capitalise on your existing ideas.

In light of the pandemic, you can still opt of a no-contact service for your in-home improvement. Contractors are happy to work with gloves and face protection and it’s easy to maintain a 1.5m distance for most project tasks. Talk to your contractors about what you can do and how to conduct your project in a safe, no-contact manner.

Ready to make smart improvements to your home during the pandemic quarantine? We’re ready to help you take the financial steps necessary to improve your home while it is the single most important location for the family.

6 Essential supplies every company vehicle can and should have

Sending company vehicles out into the field with employee drivers is a commitment businesses make every day. Ideally, each vehicle is packed with all the gear, equipment, and resources your teams need to get the job done. If they are technicians, then toolboxes and handheld computers may be in the supplies. If you run a corporate hospitality fleet, they may be stocked with drink coolers and a selection of onboard music. 

But there are some supplies that every company should be stocked with, regardless of purpose or style of the vehicle in question. If you are sending employees out in company vehicles, if you are potentially transporting clients or merchandise in these vehicles, then the following five items should be considered practical, essential, and included in every well-planned company vehicle.  

1. Device Mounts and Charging Ports

Most modern business fleets are not run over phones and CB radios anymore. You work with a management app. Whether you’re coordinating routes or customers schedules, chances are that each vehicle will need at least one mounted device and a port to charge it from. Sometimes, vehicle computers can do the job, but more often, you’ll have a phone or tablet mounted to the dash to serve as your management and communication device. So make sure the vehicle is equipped and ready to support any device infrastructure your team needs to interface with the fleet management platform.

Some fleets will go for a permanent installation, affixing a device and tucking away it’s charging infrastructure so that the device never leaves the car. Others may have a more flexible setup with a device that is magnet-mounted and can be carried in to coordinate service with customers as well as being a vehicle guide. Consider these choices when setting up your device mounting and charging infrastructure. 

 2. It’s Own Wallet

Every company vehicle needs a wallet. The vehicle needs to be rolling with its registration and proof of insurance at the very least and most businesses like to keep the vehicle manual somewhere in the car just in case. The car’s wallet, no matter how big or small, should be the single place where employee drivers look for documentation on the car. Ensuring that your vehicle has one unified kit of documentation is exactly how you help employees deal with unpredictable situations in the future, from dealing with the aftermath of accidents to emergency roadside service.

This way, if a fleet vehicle is involved in an accident or is pulled over during the daily route, your drivers or team will be able to fish up any documentation needed. In such a stressful situation, they will not need to turn the vehicle inside-out looking for hidden registration or insurance documents tucked into the glove box or next to the spare tire.

 3. Lost Item Guards

Things get lost inside vehicles. This is a fact of life we’ve all accepted as commuters who have dropped endless pens, USB sticks, and tubes of chapstick into the Dark Unknown that exists between and under the seats. But this doesn’t actually have to be true. There are small non-tech devices that can be installed in a car that prevent items from falling between seats and getting lost under seats. They are non-tech simple foam-and-felt guards. Some slip between the console and the front seats. Some lodge underneath the seats to prevent anything from rolling in there. 

The addition of these simple guards can save your employees so much grief losing pens, keys, and glasses then having to fish them out ungracefully if they remember to fish them out at all.

 4. Vehicle Survival Kit

Every company vehicle should have a fairly comprehensive survival kit. This should, at minimum, include a first-aid kit, a large bottle of water, and roadside reflector triangles. A more complete kit might also include a blanket, flashlight, ration bars, and so on. Consider the possibility based on your region and local weather that an employee might become stranded with their vehicle, possibly in extreme weather conditions. While these packs may rarely be used, they could save lives if they were ever needed. And the roadside reflectors are sure to come in handy eventually.

 5. Spare Tire and Tools

Tires pop from time to time. A million tires roll over the same pot-hole and it’s a nearly random lottery which one will hit it wrong and blow. Whether it’s debris in the road or just bad luck, you want your employees to have access to a donut wheel, a tire tool, and anything else they may need to change a tire on the go quickly. Even if you have roadside service that could rescue a tire-stranded employee, you hardly want to rely on cell signal to keep your employees both safe and mobile. Make sure every one of your company vehicles features a spare tire and the tools to change it, just in case.

 6. Cleaning Supplies

Finally, ending on a lighter note, it’s always handy to have a kit of cleaning supplies tucked somewhere in the car. In fact, sometimes it can be a life-saver. Baby wipes and alcohol wipes are incredibly useful for employees in the field who may have touched something outdoors without an opportunity to wash up. And window cleaner combined with paper towels and an extending squeegee can clear a windshield if, say, your company vehicle parks under a tree that drips sticky sap while the team provided service to a client. There are so many helpful little use-cases for a kit of cleaning supplies to make it worth stocking every company vehicle with a few essential items.

Company vehicles are not just cars that work for the business. They are also carrying and protecting employees out in the field. With these six essentials stocked into every vehicle in the company fleet, you can be sure that your team has the means to stay safe, clean, on the right side of the law, and avoid dropping their pens into any under-seat abyss. All of which are incredibly useful when the right circumstances roll around. If you’re getting ready to buy or fit out a company vehicle and want to talk finances, contact us today!

Emergency Business Cash Flow loans for COVID recovery

In the past month, the entire economy has been hit by a huge shockwave caused by the COVID-19 pandemic. Stores are closing, people have stopped travelling or going out. Any business reliant on in-person business was hit hard, even if rebuilding your business model is possible with virus-safe methods.

Many businesses were disintegrated or very close to bankruptcy by recent events. Similarly, many more are finding themselves in dire financial straits. But you don’t have to be. Business cash flow loans are a normal part of the B2B commercial world. Even before the pandemic, many businesses every year experience hiccups that need a little liquid capital to skate through.

If your business has been affected by the coronavirus economic shake-up, an emergency business cash flow loan can help.

 Businesses Impacted by Coronavirus

While e-commerce is soaring and grocery delivery is straining under pressure, many companies experienced the opposite effect. Empty venues and cancelled events can destroy your financial situation, even if your business is able to recover under no-contact conditions. Here are some of the most affected industries:

– Brick-and-Mortar Local Businesses

Any local business that relies on daily foot traffic has been hit hard by the stay-at-home order. Many are adapting, but the financial impact could still be severe. Local businesses may need cash flow loans to rebuild their services to provide delivery or arrange for employee safety on-site.

– Small Businesses Hit by the Shockwave

Companies without a deep slush-fund are also vulnerable to the COVID-19 economic impact. It takes additional revenue to coast through a sudden drop in customers and to cover the renovations or adaptations needed for a virus-safe business model. If you just don’t have the funds, we can help keep your momentum going and help you to make a strong comeback.

– Hospitality, Travel, and Luxury Service Businesses

With travel suddenly becoming the most dangerous of possible choices, all travel and hospitality businesses are suffering. Airports, hotels, spas, tours, and theme parks are all closed.

– Activities that Focus on Physical Contact

Some business models are based entirely on person-to-person contact. Massages and physical therapy, personal trainers, gym classes, and many others are all facing a sudden need to completely reinvent their business plan, and that can take a little extra cash flow to tide you over.

How Business Cash Flow Loans Can Help

No matter what has slowed down your business, often all you need is an infusion of cash into your revenue pool to make it right. Cash flow loans are precisely that – they increase your liquid cash flow to weather financial storms and recovery from sudden hits to your revenue stream. Here’s how a cash flow loan might be used to tide you over:

– Cover Temporary Deficit

If the recent shift in the economy put your business into debt, get yourself right with your customers and suppliers first. This will make it possible to move forward with a little extra cash and the freedom to restart your revenue stream.

– Build Online Resources

Right now, the best thing any business can do is rebuild their business online. Provide services, information, and customer portals online to recreate your client-experience in the virtual environment. Help your customers stay connected and provide as many services as possible through your website.

– Invest in a No-Contact Business Model

If you once provided local and in-person services, figure out how to make it no-contact. Provide asynchronous porch deliveries so your customers can safely retrieve their items. Provide consultations, establish social-distancing spaces in your venue, and set up online versions of in-person events like classes and consultations. A cash flow loan will give you the financial room to invest in the new business model and get back on your feet.

Was your business hit hard by the coronavirus economic downturn? You’re not alone, and an emergency business cash-flow loan can help. Contact us today to discuss your needs, and we will do our very best to get you fast approval

Reasons to buy a brand new car

Buying a car can be stressful. There are lots of different designs to choose from, and they come in all colours. You may also find yourself overwhelmed when it comes to the options that you want. You may want a sunroof or a reversing camera. Despite all these choices, perhaps one of the most significant decisions to make is whether or not you wish to buy a brand new car or a used one. Here are some of the most common reasons why our clients choose to buy a brand new car.

More Reliable.

Nothing can be worse than spending a lot of money on a vehicle, only to have it break down. Lucky for you, if you buy a brand new car, it will be less likely to happen.

Everything is going to be new, from the headlights to the brakes and everything in between. If you buy a used car, you may have to replace the tires or brakes in a few months. You may even have something major happen – like the transmission goes out or something equally expensive.

You shouldn’t have that problem with something that has only been test-driven a few times. You can drive away safely, knowing that your brand new car should last you for a very long time.

Warranty and Fixed Price Servicing.

The new cars of today come with fairly substantial new car warranties. This also provides peace of mind knowing that your vehicle is covered should something go wrong. From three years to seven years in some cases – you know that the dealer is right there ready to manage any issues that arise.

Fixed price servicing or even service that is included for the first year or 10,000k’s can provide an added incentive to buy new. Taking the car into the dealership for servicing and knowing what it will cost is a game-changer. No longer do you have to hold your breathe just waiting to find out what surprises the mechanic has found. New cars, under warranty with fixed servicing costs can provide a financial certainty to your annual budget.


As technology gets better every year, new cars get safer. Your brand new car will certainly have the latest seatbelts, airbags and that lovely clean interior. You may also have options such as a reversing camera, lane-departure mitigation, and automatic emergency braking.

Every year, major vehicle companies work hard to make sure that the vehicles that they put on the road are safer than ever.

More Efficient.

Major vehicle companies also work hard to make sure that their vehicles are as efficient as possible. This includes fuel efficiency. Newer vehicles use less fuel to get you where you need to go.

They also are more earth-friendly. Not only will they save you money on fuel, but you may even notice that the level of emissions is lower, which helps you save the planet. You may also be interested in models that use alternative fuel or one that runs on electricity to save the earth even more!

Better Financing.

Most people find better financing is available for those who buy brand new cars. Though the dealership may not offer the best deal, you can shop around. You will find that you might be able to get better loans for brand new cars. If not, incentives can make it worth it.

Many people see commercials about the savings that you can get for new cars. The dealership may pay off your current vehicle, to get you behind the wheel of their new car. They may take several thousand dollars off of your loan, with new cars. Some dealerships also give deals for certain people, like those who are in the military or have just finished university. All you have to do is ask, and you may find a deal that is too good to pass up!

Why buy a new car?

Most people choose to buy a brand new car because it is more reliable. They don’t expect anything to break (or need to be replaced) for years to come! They are also safer and more efficient. Vehicle companies spend a lot of money to make sure that the vehicles on the road are as reliable as possible!

You might even find that a brand new car is more affordable than you ever imagined. Many loans have better rates for those who buy new cars instead of used ones. You may also find yourself with some incentives, which make buying a new car a no-brainer.

If you are in the market for a new car and want to talk finance, check out our great finance rates.

How to care for your Fibreglass Boat

Whether it’s for your business or your personal use, a boat is a great investment. Having a boat allows you to have unique experiences that you can’t get on land. If you like to fish or participate in water sports, having a boat makes these activities more accessible.

Just like any vehicle, your boat needs to be properly maintained. Fibreglass boats are popular because of their better amenities and increased stability on the water. However, they often require more upkeep than most aluminium boats. Here’s what you can do to keep your fibreglass boat in good shape.

Fix Cracks Quickly

If you hit a sharp rock or another object while boating, your boat’s haul may splinter or crack. You can also get cracks in the haul by leaving your boat on land. You are best to repair these cracks immediately before they get bigger. The bigger the split, the more expensive it will be to repair!

Fortunately, you can fix most small cracks on your own. All the materials you need are usually included in fibreglass repair kits. First, drill a small hole at each end of the crack to keep it from spreading. Small cracks can be widened and filled with epoxy. After the crack is filled, leave the epoxy to dry for one day.

Wash Your Boat Regularly

A good wash is the best way to keep your boat looking clean. All you need is dishwashing detergent mixed with warm water. Rinse with clean, fresh water; setting it back in the river or ocean to rinse will just let new dirt accumulate on your freshly-cleaned boat.

Boats can accrue a lot of grime from saltwater, especially on the hull. It would be best if you gave your boat a good wash every few months. If you regularly take your boat out for long trips, you may want to clean just the bottom every month.

Don’t Forget the Wax!

After you’re finished washing the boat, apply a fresh coat of wax. Using a high-quality polish can prevent many little scratches or dings on your boat. It will also stop oxidation from the sun’s harmful UV rays.

Wax polish can be applied using a buffer. Use gentle, circular motions so that you can avoid streaks or damaging the hull. After you’re finished, let the wax sit for ten minutes.

Use Gelcoat

The Gelcoat is what gives the fibreglass boat its glossy appearance. However, you may have to repair the Gelcoat at some point during your period of ownership. Sometimes, even a good washing won’t remove stubborn debris from the boat. Excessive dirt and grime can cause the Gelcoat to deteriorate.

These parts need special attention. With a commercial Gelcoat cleaning formula, use rubber gloves and a washcloth to scrub these areas by hand. You may also need to apply a new layer of Gelcoat if the current one has deteriorated.

Take Your Time

It’s important not to cut corners when it comes to boat maintenance. As you’re cleaning your boat, take the time to inspect it thoroughly for damage. Never skimp on wax: it’s crucial to keeping your boat shiny and safe! If possible, set aside at least a few hours or a whole day to wash your boat.

If you’re applying new paint or a Gelcoat, always make sure that you have the proper safety tools. Inhaling fibreglass can lead to eye irritation, stomach problems, and respiratory infections. Have your goggles, gloves, and respirators on hand before you begin any work.

As long as you have a regular cleaning schedule and a little patience, maintaining your fibreglass boat doesn’t have to be a hassle. With proper care, your boat could last as long as 50 years!

If you are interested in upgrading your boat, or looking to finance another boat, check out our great boat loan rates available through the friendly Ezilend Team. Contact us for further information.

Six ways to prevent your car from rusting

Rust is the enemy of all car owners. No matter how beautifully painted or sturdy your car is; no matter how smoothly it runs, rust can happen to anyone. Especially if you live somewhere with severe weather, close to the ocean, or drive on salted roads. Rust is what happens when moisture reaches the metal body, undercarriage, or metal components of your car. Vehicles are sold with a clear “top coat” that protects them from the elements, but over time and with heavy use, that topcoat can wear away. From there, moisture causes the metal to oxidize, making it red, porous, and flaky.

Preventing rust is an essential part of vehicle owner responsibility. Today, we’re here to share the top six ways any responsible vehicle owner can prevent rust from forming or catch rust early and correct it before little rust spots have a chance to do real damage.

 Store Your Car in a Garage or Carport

Start by keeping your car protected, the more exposed it is to the elements, the more likely it is for the topcoat to wear away and allow rust to occur. It’s best to keep your car inside a garage, under a carport or, if nothing else, under a protective car-sock. These methods not only protect your vehicle from the sun and rain, but they also prevent acidic bird droppings from wearing away the topcoat and discourage micro-collisions with, say, your child’s bicycle from causing scratches that could open the way to rust.

 Keep Your Car Clean

Built-up dirt, grime, and salt can also shorten the lifespan of your protective topcoat. Even if it doesn’t seem like your car is that dirty, it’s best to give your vehicle a wash every one to two weeks. A quick spray down with a hose is better than nothing. Automated car washes can be a practical monthly solution. You may also want to bring your car in for a professional wash every six months to ensure that no rust-causing grime is hiding in places that it’s hard for your hose or the automated wash to reach.

Watch Out for Salt on the Undercarriage

In areas where it gets icy every winter, the roads can be coated in salt and other forms of de-icing chemicals. Those chemicals may be good for your traction, but they’re terrible for your topcoat and can cause rusting faster than any other trigger. Be sure to spray down your undercarriage and the lower half of your vehicle regularly during the winter to prevent the salt and chemicals from eroding your topcoat and accelerating rust.

Have a Wax Coat Applied Regularly

Believe it or not, wax does more than make your vehicle look sleek and shiny. Wax provides an additional protective coating for your topcoat and parts of the vehicle that do not have their own topcoat. While you can apply some waxes at home, the best and most long-lasting type of protective wax can only be applied by a professional when you bring your car in. Having your car waxed, especially in the winter when rust risk is highest, is a smart choice to keep your paint job and the integrity of your metal vehicle body safe.

Respond Immediately to Signs of Wear

If you see anything that looks like the topcoat or paint is wearing away, do not put off maintenance. Take your vehicle into the mechanic immediately. To prevent rust from starting, you need to keep your paint job in pristine condition. Scratches, scuffs, and worn or thin-looking sections of paint can be all the gateway rust needs to start working on that entire section of your car, out from the centre.

Any signs of wear should prompt you to bring your vehicle into the auto body shop right away. They can help you buff out any damage, repaint, and reseal before any serious rusting occurs.

Have Rusting Spots Sanded and Repainted ASAP

Finally, keep an eye out for that flaky, red colour that is an active rust spot. Once rust begins, it spreads from the centre so that the damage gets larger and larger over time. Rust that occurs through worn paint or on the undercarriage can quickly become a serious problem if you let it, but it can also be sanded away and resealed by a professional. Take your vehicle to a professional any time you see signs of active rusting before it has a chance to spread. By getting rid of the rust and resealing the surface of your vehicle, you can protect your car and prevent it from rusting in the future.

Rust prevention is a smart approach, whether you’re protecting a new car or making sure an old favourite lasts for years. Contact us for more great vehicle-owner tips or to find a loan to buy a new car.

Tips to stay safe on a boat 

Many people love to spend a day out on the water. Some prefer to race around in a speedboat, while others enjoy drifting along and just relaxing. Whether you like to relax, fish or feel the adrenalin of going super fast, being on the water can be dangerous if you aren’t careful. Here are some tips to stay safe on the water.

Make sure that you have life jackets (and they are readily available). 

The truth is that life jackets do save lives. In fact, the Coast Guard believes that over eighty per cent of deaths could have been prevented, just by wearing a life jacket.

Though most people don’t do it, you should be wearing your life jacket the entire time that you are on a boat. They aren’t going to save you if you fall into the water when they are tucked under the seat.

Keep your boat stocked with safety equipment. 

At the very least, your boat should carry a full first-aid kit, along with some tools. You should have a horn, whistle, or flares to attract attention if you need help. Every boat needs to have a fire extinguisher in case of a fire. You may want to have some extra dock line and floatation devices too. A radio is also necessary so that you can call for help if you need it.

Take a boating safety course. 

Just like driving, it is important that you understand how to control a boat, as well as the rules for the water. If you haven’t taken one in a while, it never hurts to take a refresher course so that you know how to handle yourself while you are out trying to have fun.

Take care of yourself. 

Between the waves, wind, and sun, being out on the boat can be exhausting. You can quickly dehydrate and overheat, causing heat emergencies.

Make sure that, no matter how long you are planning on being in the water, you are prepared with plenty of water and food. Take plenty of sunscreen.

You may also want to find a way to get out of the sun if you need to. If your boat has a canopy or a lower level, you can get out of the sun that way. If not, you may want to take a wind jacket or towels to cover yourself up a little bit.

Don’t drink and drive (a boat). 

Just like you shouldn’t get behind the wheel when you have had anything to drink, the same rule applies for a boat. Between the waves, sun, and alcohol, you may be unable to think clearly enough to get yourself and your boat around safely. You owe it to yourself, your passengers, and the others out on the water to be sober.

Stay safe on your boat

Safety should be one of the first things that you consider when taking out a boat. You need to have enough life jackets so that everyone can wear one that fits properly. You should wear them at all times, to be as safe as possible. You also need to stock your boat with emergency supplies, including a first aid kit, horn, flares, water, food and sunscreen. You should also never leave without a radio and a fire extinguisher. Make sure your time on the water is enjoyable by following our quick safety tips! 

If you are in the market for a new boat, consider the easy financing with the team at Ezilend. Check out our competitive boat interest rates today. You never know, perhaps a new boat might be just what you need this Christmas.