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Experts in Credit, Technology & Small Business

Up to $300,000 available in 24-48 hours

IOU Financial offers affordable small business loans to business owners just like you.

When your business is trying to seize an opportunity, it needs funding fast. Our Working Capital loans allow 6 to 18 month terms and a fixed daily or weekly payment to accommodate your specific needs. Let us worry about the money, so you can continue to focus on your business!

  • Apply Online

    Complete our online application in 3 minutes. We are ready to assist you over the phone at 866-217-8564.

  • Instant Decision

    Know if you are pre-qualified for funding in just seconds, and receive a loan offer within 24-48 hours.

  • Receive Your Funds

    Receive money in your bank account in as little as 48 hours! Funding is available via ACH or wire.

Specialized for Your Business Needs

We offer small business loans in a variety of different industries. See how your business fits in!

Don’t see your industry listed? That’s alright! We work to serve almost any type of business to get you the funds needed to reach your potential.

Start Crunching the Numbers

As the experts in credit, its our job to get to know your business so we can best educate you through your small business loan decisions. We are a transparent lender, giving you all of the information clearly upfront from approval to payback.

See what we mean with our simple loan calculator!

Are you ready to seize a new opportunity to grow your small business?