Receive cash for your outstanding invoices.
Invoice factoring helps turn unpaid invoices into working capital in less than week, so you don’t have to wait weeks or months to get paid. IOU Financial’s network partners give small businesses a faster way to improve cash flow.
Who qualifies for an invoice factoring product through IOU Financial's network?
Invoice factoring is designed for businesses that invoice other businesses or government entities and need faster access to working capital.
B2B or B2G Business
Your company sells to other businesses or government agencies—not directly to consumers.
Recent Outstanding Invoices
Eligible invoices are typically 30–90 days old and unpaid.
Creditworthy Customers
Approval is based largely on the credit strength of your customers, not just your business.
Invoice Aging Report
An aging report is required to verify invoice status and payment history.
Final approval depends on specific business and customer qualifications.
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.
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.