Who we are.
We started IOU Financial in 2009 to give small business owners a lender they could genuinely trust. Our progressive online platform keeps funding fast, flexible, and easy to navigate. We don’t push products or add pressure. We focus on being a steady, supportive partner for the people we serve.
The good guys of small business lending.
IOU Financial was founded on a simple belief: small business owners deserve a lender who stands with them, not across the table. We’re here to bring clarity, fairness, and real partnership to an industry that too often creates confusion and mistrust.
Our mission is to give business owners the confidence and resources to focus on what matters most: their team, their craft, and their growth.
A partner you can count on
We show up for the long days, the big accomplishments, the slow seasons, and the moments when extra support makes all the difference.
A loan shouldn’t cost you ownership or control
Smart short-term financing can give you the capital you need while keeping your equity where it belongs: with you.
Understanding a wide range of business needs
From retailers to restaurants to medical practices and service providers, we meet owners where they are and tailor support to what they truly need.
Never predatory, never pushy
No hidden agendas and no pressure. Just straightforward lending from people who want you to succeed.
Unwavering support for business owners
We champion the people doing the hard work and stay committed to their progress.
Our big milestone moments helping business owners.
February 2025
September 2023
August 2022
November 2021
June 2019
March 2019
December 2017
February 2016
July 2015
December 2014
September 2014
March 2014
March 2012
December 2009
2008
August 2006
Proof that doing the right thing pays off.
We believe in doing what is best for business owners. In our 15 years, that approach has helped deploy $1.9B in loans, which has generated an estimated $6.5B in economic impact and created ~41,000 jobs.
Capital deployed
Comprising of more than 17,000 loans to small businesses (SMBs).
Incremental U.S. business activity
IOU’s $1.9B in loans deployed for small businesses has generated $6.5B in incremental economic growth.
Jobs created
That growth has employed over 41,000 hard-working individuals across the United States.
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.