Opening a new unit? We got you covered.
When you’re ready to expand, timing and trust matter. IOU’s partners provide expansion capital with 3-5 year terms and flexible monthly payments. You’ll get guidance from real advisors, with straightforward repayment options, and support that helps you grow without pressure, confusion, or predatory practices.
Who qualifies for expansion capital from IOU's network?
Getting funding should not feel out of reach. If you run a multi-location B2C business with steady revenue and at least 3 years in operation, you could be a great fit.
3 years in business or more
We support businesses that have established operations and a clear understanding of their business.
$75,000 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 680 or higher
We work with business owners across a wide range of credit scores.
When you treat small businesses right, the impact adds up.
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.
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.
Expansion capital loans are funding designed to help your business grow. That might mean opening a new location, adding equipment, hiring staff, or investing in infrastructure that supports long-term growth.
Expansion capital loans are focused specifically on growth, not just covering short-term expenses. It’s structured to support bigger plans, with clear terms and predictable repayment, so you’re not guessing how the funding fits into your future.
You can use an expansion capital loan for a range of growth initiatives, including opening or renovating locations, purchasing equipment, increasing inventory, hiring employees, or supporting marketing efforts tied to expansion.
Once approved, funds can be available in as little as 24 hours. IOU is built to move quickly, so you don’t miss opportunities because of long wait times or unnecessary delays.
A minimum credit score of 680 is part of the picture, but it’s not the only factor. IOU also looks at revenue, time in business, and overall financial health to understand your business more fully.
Expansion capital can be a strong fit if your business is stable and you have a clear growth plan. It works best when you know how the funds will be used and how that growth will support repayment over time.
Yes. You’ll work with a real lending specialist who takes the time to understand your business and your goals. The focus is on guidance and clarity, not pressure or pushing a product that doesn’t fit.
No. IOU is committed to transparency. Terms, costs, and repayment expectations are clearly explained before you move forward, so there are no surprises later.
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.