Working Capital Loans from IOU Financial

Capital that Works as Hard as You Do

Up to $500,000 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 24 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!

we fuel your business growth

When your business is healthy, other financing options slow you down. A flexible working capital loan from IOU Financial allows you to take advantage of unexpected opportunities quickly and without the mounds of paperwork! See what we have to offer!

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


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


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


Applying is simple, free and never affects your credit score! Fit the qualifications below, and you can receive funding in as little as 24-48 hours.

Own and operate your business

Your total business ownership must equal at least 80%.

Been in business 1 year

You must own or have purchased a business that has been in operation for a minimum of 1 year.

Make Daily Deposits

Your retail/etail style business generates 10 or more deposits per month into your business bank account.

Have an Annual Revenue of $100,000+

With an average ending balance of $3,000 per day in your business bank account.

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 - $500,000

    Our flexible funding allows you to pick the amount you need and the term of your loan (6, 9, 12, 15, 18, or 24 months).

  • Additional Funding

    Do you need more than $500,000? 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!

  • No Risk = No Hesitations

    We do a soft credit pull, so your credit score is never affected!

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.


47 %

Purchase Equipment

18 %

Business Expansion

16 %

Temporary Cash Flow

14 %

Purchase/Build Inventory

5 %


*Includes hiring new staff, marketing campaigns, employee health benefits, and training

Start Crunching the Numbers

As the experts in credit, it is 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?