Where business owners find more than funding.
You pour everything into your business. You need a lender who cares about your businesses’ success as much as you do. IOU Financial offers simple, fast, and flexible funding, from term loans and lines of credit to other tailored solutions, all backed by people who believe in your success and work hard to help you reach it.
Helping small businesses grow the right way.
At IOU Financial, we believe lending should empower, not exploit. Many lenders see your data as a number and push solutions that don’t serve your goals. We do things differently. We meet you where you are, on your terms, and help you make a plan for real success. Our goal is simple: to build real partnerships that help small businesses grow with confidence. We’re not trying to sell you anything, we’re here to help you grow.
Fast
Get funding when it matters most. Our streamlined online application takes just minutes, with approvals and funding in as little as 24 hours.
Trustworthy
We take the time to understand each business, offering honest advice and clear guidance. Thousands of small businesses already trust IOU to fuel their next chapter.
Consistent
With predictable daily, weekly, or biweekly payments, you can plan ahead and stay focused on what you do best — running your business.
Celebrating the wins of hardworking business owners.
Thousands of small business owners have trusted IOU Financial to help them reach their goals. From first-time borrowers to long-time partners, they share one thing in common — a simple, supportive lending experience that works.
“As a rapidly growing small business with limited credit history, it’s been difficult for us to secure reasonable funding. IOU Financial offered fair rates and made the process straightforward.”
Small business owner | Founder | Transportation business
“IOU has been an outstanding source for short term funding for my business throughout the years of my career. I highly recommend their team especially when those emergencies pop up and you need funding quickly.”
Owner | Dental practicioner | Private practice
Proof that doing the right thing pays off.
For more than a decade, we’ve built real relationships with small businesses across America. We believe lending should be simple, fair, and focused on helping owners move forward. The numbers tell the story, and they’re still growing.
Businesses helped
Join the 17,000+ U.S. businesses we’ve helped with funding solutions tailored to their needs.
Years in business
IOU provides successful small businesses access to the capital they need to seize growth opportunities quickly.
Capital Deployed
Comprising of more than 17,000 loans to small businesses (SMBs).
Find the funding that fits your business.
Whether you need steady access to working capital or one-time financing for a big goal, IOU Financial has you covered. Explore the options below to see which solution fits your next move. If you’re not sure where to start, our advisors are here to offer expert guidance and help you find the right path for your success.
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Flexible funding for long-term growth.
Get up to $1,500,000 with repayment terms between 6 months and 2 years. You choose the payment schedule that best fits — daily, weekly, or bi-weekly — and we help set it up quickly.
Helping businesses grow across a range of industries.
From local restaurants to medical practices, IOU Financial understands that every business faces unique challenges. We work with owners across a variety of industries to provide the right funding, thoughtful guidance, and long-term support to help them stay strong and keep growing.
Partner with a Responsible Lender.
Join IOU Financial in fueling small business growth. We work with established brokers and resellers who want to offer their clients transparent, fast, and reliable funding. As an IOU Preferred Partner, you’ll build repeat business, earn competitive commissions, and gain access to exclusive tools and resources designed to help you succeed.
Insights for Small Business Success.
Our blog is built for small business owners who want to stay informed, inspired, and ready for what’s next. Discover helpful articles, industry insights, and stories from the people we’re proud to support.
3 min read
IOU Unveils New Brand Identity and Technology Enhancements, Ushering in a New Era of Small Business Lending
2 min read
Staying Resilient in a Shifting Business Climate
6 min read
Tips to Get Approved for Convenience Store Financing
Ready to accelerate your business?
Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.