Working capital for the day-to-day.
When cash flow timing doesn’t line up, a working capital loan helps you stay on track. Cover expenses, handle short-term needs, and keep things moving without getting stuck in a complicated process. IOU Financial keeps it simple, with clear terms and fast access to funding.
Who qualifies for working capital through IOU's network?
Getting funding should not feel out of reach. If you run a business with steady revenue and at least a year in operation, you could be a great fit.
1 year in business or more
We support businesses that have established operations and understand their customer base.
$10,000 or more in monthly revenue
A clear picture of monthly income helps us structure a loan that fits your practice comfortably.
A personal credit score of 650 or higher
We work with business owners across a wide range of credit backgrounds.
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
“The company has a simple online application, and their response time after you apply is impressively fast. The IOU representative we worked with really listened to our concerns and offered several options for us to choose from. It’s clear they’re invested in the success of your business and will work with you to find a financing option that truly fits your needs. Thanks to their support, we can stop worrying about cash flow and focus on what we do best, growing our business.”
Owner | Veterinary provider | Veterinary clinic
“We’ve used IOU Financial several times over the years. We greatly appreciate the speed in which they processed our loans each time, as well as the professional staff there we’ve worked with. As a Small Business-owner going through tough economic times, IOU Financial helped me keep my staff employed and my business operating with adequate cash flow during a slow time.”
Khristy Savage | CEO | Jackson Glass Co
Quick Answers: Your Finance Questions Solved.
A working capital loan is short-term funding designed to help cover everyday business expenses like payroll, inventory, rent, and vendor payments. It’s meant to keep your business running smoothly when cash flow timing doesn’t line up.
Working capital can be used for day-to-day needs like payroll, inventory, rent, utilities, repairs, and other operating expenses. It’s not typically used for large, long-term investments—it’s there to support your business in the short term.
Yes. IOU Financial connects you with advisors who can help you understand your options and choose funding that fits your business—not just what’s available.
Working capital is typically structured as a lump sum you receive upfront, while a line of credit lets you draw funds as needed over time. Both help with cash flow, but they work differently depending on how you prefer to access and manage funds.
Many businesses can receive funding in as little as one day after approval. IOU Financial focuses on quick decisions and fast access so you can handle expenses without delays.
The amount you qualify for depends on factors like your revenue, time in business, and overall financial profile. Our network works with a wide range of businesses to find funding that fits your situation.
No. While credit is part of the evaluation, many business owners qualify with a credit score of at least 650. We look at the full picture, including your business performance.
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.