Small Business Loans | IOU Financial & Lending Loop


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 and free! Fit the qualifications below, and you can receive funding in as little as 24-48 hours.

Own and operate your business

80% of business ownership must be included on the application for the loan.

Been in business 1 year

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

Make Daily Deposits

Your business makes consistent monthly deposits into your business bank account.

Annual Revenue of $100,000+

With no more than two negative days per month.

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 - $150,000

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

  • Additional Funding

    Do you need more than $150,000? 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!


    There are no upfront costs to apply for IOU Financial small business loans.

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