IOU Financial Closes USD $99.5 Million in Loan Originations in 2014

MONTRÉAL, Québec, January 22, 2015 – IOU Financial Inc. (TSX Venture Exchange: IOU) (“IOU Financial” or the “Company”), parent of IOU Central Inc. (“IOU Central”), a leading online lender to small businesses, announced today it wrapped up 2014 originating USD$99.5 Million in loan originations during the year, representing a year over year increase of over 100%. This represents another record year for the Company.

“Such growth speaks to the success of IOU Central as an alternative lender” said IOU Financial CEO Phil Marleau. “Our mission is to fuel the growth of small business, and we clearly are delivering as more and more merchants are turning to IOU Central for their working capital needs. We “get” small businesses — we understand that they make decisions around the kitchen table, not in a board room.”

“IOU Financial is proud of this milestone” stated Phil Marleau, CEO of IOU Financial. “This achievement reflects the strength of our lending platform and the dedication of our team.”

In 2015, IOU Financial will continue to further the exceptional customer experience our clients enjoy through technology and product assortment.

About IOU Financial Inc.

IOU Financial provides small businesses throughout the U.S. access to the capital they need to seize growth opportunities quickly. Typical customers include medical and dental practices, grocery and retail stores, restaurant and hotel franchisees and ecommerce companies. In a unique approach to lending, IOU Financial’s advanced, automated application and approval system accurately assesses applicants’ financial realities, with an emphasis on day-to-day cash flow trends. It makes loans of up to $150,000 to qualified applicants within a few business days, with affordable charges favorable to cash-flow management. IOU Financial’s speed and transparency make it a trusted alternative to banks. To learn more visit:

Forward Looking Statements

Certain information set forth in this news release may contain forward-looking statements that involve substantial known and unknown risks and uncertainties. These forward-looking statements are subject to numerous risks and uncertainties, certain of which are beyond the control of IOU including, but not limited to, the impact of general economic conditions, industry conditions, dependence upon regulatory and shareholder approvals, the execution of definitive documentation and the uncertainty of obtaining additional financing. Readers are cautioned that the assumptions used in the preparation of such information, although considered reasonable at the time of preparation, may prove to be imprecise and, as such, undue reliance should not be placed on forward-looking statements. IOU does not assume any obligation to update or revise its forward looking statements, whether as a result of new information, future events, or otherwise.

The CSE has not reviewed and does not accept responsibility for the adequacy or accuracy of this release.

For more information, please contact:

Philippe Marleau
Chief Executive Officer
(514) 789-0694 ext. 225

Mayco Quiroz
Chief Financial Officer
(514) 789-0694 ext. 298