ATLANTA, GA — February 10, 2026 — IOU today announced the launch of a refreshed brand identity and a major evolution of its technology platform, reinforcing its commitment to innovation, transparency, and best-in-class support for independent sales organizations (ISOs) and small business borrowers.
The transformation includes a modernized look and feel, highlighted by a new logo and a fully redesigned website. The updated brand reflects IOU’s continued investment in technology designed to deliver a faster, simpler, and more intuitive lending experience.
This new brand and platform evolution represent much more than a visual refresh, they reflect how far IOU has come as a technology-driven lender and where we’re going next. We’re building smarter systems, expanding access to capital, and continuing to deliver real, long-term value to our partners and the small businesses they serve.
Robert Gloer, President and CEO of IOU
This initiative will roll out in two phases, with Phase I launching in Q1 2026, followed by Phase II in Q2 2026, introducing new product enhancements, partner benefits, and borrower-focused features.
Best-in-Class Renewals and Expanded Borrower Options
IOU continues to differentiate itself with a best-in-class renewal program that sets it apart from most lenders in the market. Unlike competitors that limit commissions to “net new” dollars, IOU pays ISOs full commission on the entire renewal loan amount; a structure designed to reward long-term performance, recognize partner value, and support sustainable growth. This approach reinforces IOU’s commitment to building enduring relationships and maximizing earning potential across the full borrower lifecycle.
For qualifying borrowers who did not take enough capital on their initial loan, IOU is also introducing a new add-on loan product, providing additional flexibility without requiring a full refinance.
Our focus has always been on building sustainable relationships; both with our partners and with borrowers, paying ISOs on the full loan amount for renewals, launching add-on loans, and expanding funding options are all designed to help our partners grow alongside us while delivering smarter solutions to small businesses.
Noel Hillman, EVP of Production at IOU
Faster, More Flexible Funding Experience
As part of the Phase I and Phase II rollout, IOU is introducing several borrower and partner enhancements, including:
- A new online checkout experience for qualifying borrowers, streamlining the funding process.
- Larger loan amounts available to IOU Diamond Partners, expanding earning potential and borrower solutions.
- Expanded bi-weekly payment options available to qualifying borrowers working with IOU Diamond Partners, offering greater cash-flow flexibility.
Introducing Diamond Partner Benefits
IOU’s Diamond Partner status unlocks enhanced benefits, including access to larger loan amounts and priority opportunities as new features roll out. ISOs interested in elevating their partnership are encouraged to contact their Account Executive to learn more about qualifying for Diamond status.
“Diamond status is about rewarding performance and partnership,” added Hillman. “We want our top partners to feel the difference; through better tools, bigger opportunities, and a platform built to support their success.”
With a modernized brand, enhanced technology, and a continued focus on partner success, IOU is building the future of small business lending—one loan, one relationship, and one innovation at a time.
About IOU Financial
IOU Financial is a leading technology-enabled small business lender providing fast, transparent access to growth capital through a nationwide network of preferred broker partners. Powered by its proprietary lending platform, IOU seamlessly connects brokers, borrowers, and underwriters in real time—delivering an efficient, relationship-driven alternative to traditional banks. Since 2009, IOU has originated more than $1.9 billion in loans to support small business growth across the United States. IOU was named one of the Top Places to Work in Fintech for 2025 by American Banker. For more information, visit www.ioufinancial.com.
