Funding that’s there when your business needs it.
Sometimes you need access to cash without committing to a full loan. A business line of credit lets you draw funds as you need them and pay only for what you use. IOU Financial keeps things straightforward, with clear terms, quick access, and a team focused on supporting your business—not upselling you.
Who qualifies for a business line of credit 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 small businesses that have established operations and understand their customer base and financial goals.
$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 630 or higher
We work with healthcare owners across a wide range of credit.
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 business line of credit is a flexible funding option that gives you access to a set amount of capital you can draw from as needed. You only pay interest on what you use, and as you repay, those funds become available again.
A business line of credit is often used for everyday business needs like managing cash flow, covering payroll, purchasing inventory, handling seasonal expenses, or responding to unexpected costs.
A business LOC can be a good fit for small businesses that want flexibility and control over when they borrow. It’s especially useful when expenses are unpredictable or don’t follow a set schedule.
No. A business loan provides a one-time lump sum with a fixed repayment schedule. A business line of credit offers ongoing access to funds, giving you more flexibility when expenses change month to month.
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.