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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.

Reasons why a used car might be the perfect choice for you

Buying a car isn’t always easy. You may find yourself overwhelmed by all of the choices that you have available. Not only can you choose from different makes and models, but you can also choose from many special options that you may want (or have to think about).

However, one of the biggest decisions to make is whether or not you want to buy a brand new car or a used one. 

Here are some reasons to buy a used car.


Unfortunately, cars depreciate in value (rather quickly). In fact, many people believe that they lose up to half of their value in the first few years. What does this mean? It means that your brand new vehicle won’t be worth nearly as much as you paid for it, in just a few years.

Cost less.

The only good news for depreciation is that, when you decide to buy used, you can find a car that is much cheaper (and easier to afford). Many cars are only a few thousand dollars instead of the tens of thousands that they would have been if they were brand new.

Just think about the difference in your monthly payments if your new car was only five thousand instead of twenty or thirty thousand. It will fit into your budget or you could pay it off sooner than expected!

Cheaper insurance.

Just like buying a used car is cheaper, it can also be more affordable when you look at the long run. Your insurance will be much cheaper on a car that is worth less than a brand new one. In fact, you may be able to pay it yearly, which makes it even more affordable. Monthly payments cost you more because they are more convenient. You can be charged up to 15% extra over the year for insurance of you pay by the month!

May have a warranty.

Many people buy new because they like the idea of having a warranty, just in case anything goes wrong. This can really protect them as their car ages.

Luckily for many shoppers, more and more dealerships are offering vehicles that are Certified Pre-Owned. If done right, you may be able to buy a warranty with your used vehicle, though it often depends on where you buy your next car. Some warranties are better than others, so it is important to read the fine print. Your vehicle may have a lot of protection if it is pretty new or you might not get much at all.  

Made better.

Many people believe that older cars are made better than the ones today. Many cars from the eighties and nineties still work well (and look decent). For this reason (and this reason alone), many people prefer to buy older cars that are well made and were built to last! 

Many people prefer to buy older cars because they are more affordable. Not everyone wants to have a huge car repayment to be made every month when a smaller one will do. They may also notice that their car insurance doesn’t cost as much for a used car as it would with a brand new one!

With more and more dealerships offering certified pre-owned vehicles, buying a used car may be your perfect solution to your new car needs. If you are looking to purchase a car, then look to the team at Ezilend for your car finance needs. Contact our friendly team today and get your loan pre-approved so you can haggle with the dealer and get a great deal.


Tips to stay safe on your Motorbike

If you own a motorbike, or scooter (or just like to drive one occasionally), safety should be important to you. Though you want to have fun, you also want to arrive at your destination in one piece.

Here are some tips to keep you safe while driving your motorbike.

Always protect your head.

Whether riding your bike on-road or off-road, it is compulsory in Australia to wear a helmet. An approved motorcycle helmet must comply with Australian/New Zealand Standard AS/NZS 1698:2006. Protective motorcycle helmets manufactured after March 31,2011 will have an identification mark from a ‘body accredited or approved by the Joint Accreditation System of Australia and New Zealand (JAS-ANZ) certifying compliance¹‘.

So make sure your helmet is compliant. Otherwise, you could end up with head injuries. Many times, these turn out to be deadly. Your life is not worth riding without proper headgear.

Protect the rest of your body also. 

Protective riding gear will help to protect the rest of you! Leather clothing is stronger than other fabrics, causing less wear on your skin if you hit the road. Boots can protect your feet and ankles. Gloves and eyeglasses should also be worn.

Many riders like to wear reflective clothing so that other people on the road will see you easier. You can buy reflective clothing, or you can add reflective tape to your clothes. Either will help you stay safe.

Don’t get on your motorbike if you have had anything to drink.

Drinking and driving is a significant cause of accidents. You won’t be able to react as well if you are under the influence of alcohol, which means that you are more likely to get into an accident and hurt yourself (or others).

Or you don’t feel well.

When you are riding your motorbike, you must be ready to go. If you didn’t sleep that well, feel a little stiff, or just don’t feel right, you may want to keep it at home.

Your motorbike (and your own safety) needs you to be functioning at one hundred per cent. If you don’t feel like you can give it all that you have, it might be better to skip the bike ride.

If you are involved in an accident with your motorbike, you are more likely to be hurt than if you were in an accident with your car.

Don’t drive too fast.

Even though your motorbike can go fast doesn’t mean that you should. Obey the speed limits and slow down around curves and places where you would be hard to see.

Make sure that your motorbike is safe before taking it for a spin. 

You should always go over your motorbike before you leave. Make sure that your tires are in good shape. Tire pressure is very important. Flat tires are dangerous!

Look around to make sure that nothing is leaking. You should also check your hydraulic fluids and antifreeze. If needed, fill them up before you leave.

You should check your lights and signals to make sure that they are all in working order. You may want to take a small spin around the block to make sure that the brakes and steering work well before you head out. 

Safety should be your priority.

Your safety should be your number one concern before you ever get on your motorbike. Make sure that you wear protective gear, including a helmet, leather clothing, gloves, and eyeglasses. Boots can also protect your feet and ankles.You also need to make sure that you are prepared to ride your bike. A mistake could cost you your life (or someone else’s). Once you are satisfied the bike is in order, enjoy the ride! Nothing is better than feeling the wind pass you by as you cruise off on your motorbike.

If it turns out your motorbike is not in order, or you are looking for a new bike and need a bike loan, our competitive rates and great customer service might be just what you need. Contact us out today!


What to look for when buying a box truck

Buying a box truck can be an excellent investment if you’re starting a moving company or other business that needs to transport a lot of goods or equipment. Choosing the right box truck depends on many different factors, such as what you’re transporting, how it will be loaded or unloaded, and where the deliveries will be made. For example, it’s definitely going to cause problems if you purchase a truck with a larger box height that can’t fit into a warehouse with a low ceiling.

To avoid mistakes down the road, keep a few things in mind when buying your box truck.

Consider Your Cargo

There is no “one-size-fits-all” when it comes to trucks. Are you going to be hauling lightweight materials like plastic dinnerware or heavy objects like furniture or steel beams? Your chassis can be wide enough to accommodate your load, but if you don’t get a truck with the appropriate Gross Vehicle Weight (GVW) rating, you’re going to max out the weight before your vehicle is even fully loaded.

Check Your Measurements

A common mistake truck buyers make, is getting a truck with a chassis and box that don’t match. If the box is too big for the truck’s body, the weight distribution will be off. This can make turns even more difficult and cause the truck’s front wheels to wear down faster. To avoid these issues, it’s best to contact the original manufacturer to verify that the chassis cab-to-axle can handle the box length. You’ll also want to pay close attention to the height of the box to avoid clearance issues when loading and unloading the truck. If you’re working with limited space, try to find a truck with a shorter box and front-end.

Pay Attention to the Floors

The type of floor you will need depends on your cargo. Hardwood floors cost less than aluminium or steel floors. If you’re carrying food or drinks with the potential to spill, you’re going to need to clean the floor fairly often. Wooden floors can end up rotting away if not completely dried after mopping. Steel or aluminium floors are easier to clean and can support more heavy-duty loads, but they are also more vulnerable to corrosion.

Does it Need Interior Lighting?

If you are making your deliveries at night, you should get a truck with some interior lighting. Without it, it will be harder to see what wares need to be unloaded and may even lead to injuries due to workers slipping or fumbling around in the dark. If you’re mainly unloading your cargo in the daytime, no interior lighting is needed, but you can get a box with a translucent roof to make the job easier.

Loading Dock Considerations

If you’re going to be delivering your goods to a dock, there are some additional specifications you need to make. Trucks with a lower GVW will have smaller tires, which means they will sit too low to the ground for dock loading and unloading. If your cargo needs to be delivered dock-high, a roll-up door at the rear will suit your needs better than a swing-out door, since the driver wouldn’t be able to open the swing-out door while being backed up against the dock. Trucks that require a forklift will need a forklift package, which will reinforce the floor’s threshold and rear-end plates.

Selecting the Right Driver

Whoever is driving the truck, whether it’s you or another employee, they must have an appropriate licence to operate the truck. Driving these trucks without the necessary state legislated licence can leave you carrying some hefty fines or even jail time.

If you’re in Australia and looking to get approved for your first truck loan, please contact us today for a personal and friendly consultation!

6 Tips to keep you safe on your new Jet Ski

The ability to go fast makes riding a jet ski appealing to people who want thrills and excitement. Taking risks is fun until someone winds up in the hospital. Even if you have Jet Ski experience, it is always a good idea to be mindful of safety.

The dangers of jet skis come mainly from the fact that you are operating a powerful personal watercraft (PWC) that is designed for maneuverability and requires a certain amount of skill to operate. If you are in Queensland, you will need to be licensed; you must have a recreational marine drivers licence along with a personal watercraft (PWC) licence. The rules vary in other states. Here are some important safety tips that can keep you and others safe when riding a jet ski:

Learn to Swim

While the ability to swim might seem like an obvious necessity for anyone who wants to operate a jet ski, many consider it optional. Swimming can keep you from panicking if you fall off your jet ski. It may also enable you to get back to shore if your jet ski stalls or runs out of fuel.

Never Ride a Jet Ski Without a Lifejacket

Jet ski drivers should wear lifejackets as should the passengers, even if they are strong swimmers. Life jackets are not designed only for people who cannot swim. They can help to keep the wearer’s head above water if they have been rendered unconscious. Lifejackets also make it easier to get back onto a jet ski. When you choose your lifejacket, make sure that it is the right size for you. Too small and it might not keep you afloat, too large and the water might push it up to your face.

Don’t Ride Alone

Take a companion along with you when riding. If this is not possible, make sure that someone knows when you will be riding your jet ski and where to find you. Plan your route and alert them when you have returned.

Don’t Operate a Jet Ski While Under the Influence

Jet skis are popular in the summer when people are out on bodies of water having fun. Leisure time activities often include alcohol consumption. Alcohol is dangerous on a jet ski for the same reasons that it is dangerous in any other kind of vehicle: it impairs your reflexes and judgment. Beyond those effects, alcohol also increases your risk of dehydration, which may further affect your ability to operate the vehicle.

Don’t Speed

According to an article from ABC, newer jet ski models are capable of acceleration from 0 to 100 in 3.8 seconds. Like being under the influence, going too fast greatly increases your risk of an accident. Inexperienced jet ski drivers who don’t know the vehicle’s capabilities are especially prone to speeding. You should also stay at least 30m from swimmers and other watercraft. This will give you enough time to stop and thus prevent accidents. There are rules for how fast you can go within a certain distance from the shore. For example, Maritime Safety Queensland states that your jet ski should be going no faster than 6 knots if you are within 60m of the shore.

Use the Jet Ski’s Safety Features

Modern jet skis come with a lanyard that connects to the handlebars and that operates a kill switch. If the driver falls off, the jet ski’s engine switches off. Without this lanyard, the jet ski could keep operating without a driver and cause an accident with swimmers or other vessels in the water.

Riding a jet ski is among the most entertaining and exhilarating summer pastimes as long as you keep our common-sense safety tips in mind. At Ezilend, we offer all types of loans, including loans to buy jet skis. Take a look at our jet ski loans to learn more.

8 Practical tips to avoid a lemon used car

Buying a used car? What should you look out for?

In modern life, we’re programmed to think of “Lemon” as the equivalent of “good”. Lemon cake, lemonade, lemon-scented cleaning products. Lemon generally makes everything better. But they are also associated with sourness, a taste you don’t want to be surprised with. Which is why we refer to used cars that go south fast as “Lemons”. Because you don’t want that sour experience of a breakdown on your way home from the dealership.

The problem is that with modern technology and online tricks, selling a lemon is –in some ways– easier than it has ever been. Fortunately, so is avoiding a lemon if you know what to do.

1) Avoid Unverified Sellers and Sharing-Economy Deals

Never buy from someone you don’t know or don’t have any reason to trust. Even someone with a car lot can be disreputable. But the biggest risk is someone who has no reputation at all. To avoid lemons, it’s usually best to avoid buying a car from a stranger outside the auto industry, say, through the sharing economy. Small-time used car retailers are also suspect unless they have a verifiable and glowing record of customer reviews.

2) Pay for a Detailed Vehicle History

Never trust a used car you haven’t looked up. And for an investment this big, it’s worth it to spring for the in-depth investigation on a vehicle. You may discover that the car has been in one or more serious accidents that could lead to long-term structural problems no matter how shiny it looks right now. Anyone who has been saved by one of these reports can confirm how important they really are.

3) Take a Real Test Drive

Don’t just let the dealer take you on a Sunday-driver route around the dealership on your test drive. Ask for a real test drive, on the freeway or a local access road that approaches at least 100 kilometres an hour. Try it on turns, try it at different speeds, and see how the car would really perform in your day to day life. If the dealer doesn’t let you take a real test drive, walk away. They’re basically saying they don’t trust the car.

4) Look for Warranties

Warranties also go along with the dealer’s trust in the car. Vehicles sold ‘as-is’ without a warranty are vehicles the dealer has no faith in. They might not even get you home. Never buy a used car that comes with less than 90 days of a written warranty. This warranty is to protect you from exactly what you’re trying to avoid: a surprise lemon.

5) Mileage Matters – And Isn’t everything

When it comes to used cars, that odometer does matter. It is the lifespan of a car and the higher the number is, the fewer good kilometres are still left in the vehicle. However, some vehicles are built like tanks, prepared to roll on for decades and hundreds of thousands of kilometres. So odometer matters, but so does quality and the longevity of the vehicle model.

6) Certified Pre-owned is a Sure Bet

If you really want to be 100% sure of a used car you are buying, go for a certified pre-owned. They are slightly more expensive, but they are sold with the dealership itself promising that the car is good to go for another owner. Certified pre-owned vehicles almost always come with pretty nice warranties for a year or more and may also come with dealership packages for free maintenance for some time as well.

7) Bring a Mechanic to Inspect

You don’t have to be a car expert to be sure you’re getting a good vehicle. You can borrow a car expert to provide their expertise for you. Whether you hire a third-party mechanic or have one in the family, ask to have your own mechanic do an inspection of the used vehicle. A dealer who is secure in the vehicle’s quality will allow you to do this to confirm that the vehicle is truly in good condition and ready to drive.

8) Avoid ‘As Is’ and Custom Upgrades

Finally, be wary about custom upgrades and vehicles that are listed ‘as-is’. “as-is” means that the dealer did not try to repair or certify the vehicle in any way. You’re getting it in whatever condition the last owner left it in. Good or bad. And as for custom upgrades, these do not always integrate as well with the car’s electricals as we might hope. A ‘tricked out’ car may look cool, but it can also cause malfunctions down the road.

For more insights on how to be savvy in your vehicle purchases, contact us today!