Unlock your tenant improvement allowance without tying up your working capital.
Opening a new location means months of construction before you can start generating revenue. The TI Bridge provides upfront capital for your buildout without burning your operating funds while waiting for landlord reimbursement. Once construction is complete, your landlord reimburses us directly from your TI allowance.
Who qualifies for a TI Bridge loan through IOU's financing network?
If your business has steady revenue and a signed lease, you may be eligible for a tenant improvement bridge loan to fund your build-out. IOU connects you with financing designed to cover upfront TI costs so you can build, open, and generate revenue sooner; without compromising your long-term plan.
Steady Cash Flow
Your business produces reliable revenue and has demonstrated profitability.
Healthy Credit Profile
You maintain good credit with manageable debt levels.
Reliable Repayment Ability
Your income is consistent and supports comfortable repayment.
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 tenant improvement bridge loan is short-term financing used to cover the cost of building out or renovating a leased space. It helps bridge the gap between when construction is needed and when landlord reimbursements or permanent financing become available.
A tenant improvement bridge loan can be helpful when build-out work needs to start or finish before reimbursement or long-term financing is in place. It’s often used when timelines are tight, and waiting could delay an opening or renovation.
These loans are typically used for build-out and renovation expenses, including construction costs, materials, contractor payments, and required lease-related upgrades.
A tenant improvement bridge loan is designed to be temporary. It helps cover costs upfront while you wait for reimbursement or permanent financing, rather than serving as a long-term funding solution.
Yes. At IOU Financial, you’ll work with a lending advisor who understands tenant improvement timelines and build-out scenarios. The goal is to make sure the financing fits your situation, not to push a product that doesn’t.
Yes, our tenant improvement loans are transparent and non-predatory. IOU Financial is committed to clear terms and upfront communication. Costs, timelines, and repayment expectations are explained before you move forward, so you know exactly what you’re agreeing to.
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.