Economy Archives - IOU Financial

Small Business Lending in 2026: What Owners Need to Know Now

Economy, Small Business Tips / By Elizabeth Lowman

As 2025 closed out, small businesses faced a lending environment that was stable but still challenging. Interest rates remained elevated, and many banks tightened their standards for business loans. According to the Federal Reserve’s latest Senior Loan Officer Opinion Survey (SLOOS), a growing share of banks reported stricter lending standards on commercial and industrial loans, […]

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Facing the Headwinds: Top Concerns for Small Business Owners and How to Stay Ahead

Economy, Small Business Tips / By Elizabeth Lowman

Running a small business has always meant adapting to change, but 2025 has brought a unique set of challenges. From stubborn inflation to tighter credit, small business owners are working harder than ever to stay profitable, retain employees, and keep growth on track. Here’s a look at what’s keeping business owners up at night—and how

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It’s Not Our First Rodeo: How IOU Financial Prepared For The Current State of the Industry

Economy / By Robert Gloer

We in the lending industry have a front row seat to the pain Small Businesses are facing every day, such as supply chain issues, overseas manufacturing issues, cost of goods compressing margins, and an overall slow down in certain market segments bleeding through ancillary segments. While a recent survey conducted by IOU Financial shows that

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Enhance Your Mobile Site with These Tips

Economy, Marketing Tips, Small Business Tips / By ncurrin

With mobile phones becoming indispensable in our daily lives, it may be no surprise that more than 50 percent of online searches are conducted on mobile devices. Simply having a website is no longer enough for business owners as those sites need to be customized to be navigated from a phone or tablet. Users are

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IOU Financial is Expanding Its Fast, Easy Loans to Canada

Economy / By Robert Gloer

The demand for business lending in Canada is red hot, according to official statistics from the Canadian government. The Biannual Survey of Suppliers of Business Financing, last updated for the second half of 2014, shows business lenders disbursed 9.6 percent more money compared to the first half of 2014. That reflects the highest growth rate

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Small Business Finances 101: How to Profit

Economy, Finance, Lending Advice / By Robert Gloer

We finish this introduction to business finances by discussing the payoff for all your hard work – profit! In particular, we dive into how to use your business’ profits to get paid. Unless you’re independently wealthy, you probably need to extract profit from your company to pay your bills and live your life. Like many

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Small Business Finances 101: Making Payments

Economy, Finance, Lending Advice / By Robert Gloer

We’ll admit that its more pleasing to collect payments rather than make them, but you can organize your business to optimize how you make payments so that you minimize their impact. There are two ways you can optimize your payments – when you pay them and how you pay them. Timing Your Payments A good

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Should your business join the Better Business Bureau (BBB)?

Economy, Small Business Tips / By Robert Gloer

Whether you are starting a business or have been in business for years, you are no stranger to the amount of sites, platforms, organizations, and more that want you to join their listings for site rankings, customer reviews and business accreditations. When considering the many options, there is one you should really focus in on:

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The Benefits of Good Budgeting for Your Business

Economy, Finance, Lending Advice, Small Business Tips / By Robert Gloer

If you’ve been managing your budget on the back of an envelope, you are denying yourself a powerful tool that can make the difference between your small business’ success or failure. A proper expense budget not only serves as a roadmap for how you will be disbursing funds, but it also functions as a reality

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5 Reasons to Choose a Small Business Loan Over Crowdfunding

Economy, Lending Advice / By Robert Gloer

On May 16, equity crowdfunding became a reality in the U.S. as a result of Title III of the 2012 Jumpstart Our Business Startups (JOBS) Act. The new rules allow a small private business to raise up to $1 million a year by selling shares to the general public without first registering the stock offering

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