Working Capital Loans from IOU Financial

Capital that Works as Hard as You Do

we fuel your business growth

When your business is healthy, other financing options slow you down. A flexible working capital loan from IOU Financial allows you to take advantage of unexpected opportunities quickly and without the mounds of paperwork! See what we have to offer!

Instant Approvals

See your funds tomorrow when you pre-qualify instantly online or over the phone!

Complete Transparency

Take the guess work out of financing by using our Loan Calculator to see your options.

Personalized Service

Small Business Loan Consultants are here to help you determine the right fit for your business.


Applying is simple, free and never affects your credit score! Fit the qualifications below, and you can receive funding in as little as 24-48 hours.

Own and operate your business

Your total business ownership must equal at least 80%.

Been in business 1 year

You must own or have purchased a business that has been in operation for a minimum of 1 year.

Make Daily Deposits

Your retail/etail style business generates 10 or more deposits per month into your business bank account.

Have an Annual Revenue of $100,000+

With an average ending balance of $3,000 per day in your business bank account.

Not sure if you qualify? Give one of our Small Business Loan Consultants a call to talk about your options!


Leverage a loan that works for you

While you are busy running your day to day business, the IOU Financial team takes care of your financing. We are here to simplify lending, and that starts with our great product! Take a look at some of our key features that make the industry leading IOU Financial loans.

  • $10,000 - $500,000

    Our flexible funding allows you to pick the amount you need and the term of your loan (6, 9, 12, 15 or 18 months).

  • Additional Funding

    Do you need more than $500,000? You are able to renew your loan once you are 40% paid down.

  • No Early Payment Penalty

    You only pay interest for the time you are using the loan.

  • Fixed Daily/Weekly Payments

    Never worry about budgeting or saving up. Daily or weekly payments are taken directly out of your business bank account.

  • Instant Pre-Qualification

    You can apply online, or over the phone in just minutes!

  • No Risk = No Hesitations

    We do a soft credit pull, so your credit score is never affected!


47 %

Purchase Equipment

18 %

Business Expansion

16 %

Temporary Cash Flow

14 %

Purchase/Build Inventory

5 %


*Includes hiring new staff, marketing campaigns, employee health benefits, and training