Our honesty, directness, and great value provides you with

Responsible Lending, From Start to Finish

*Compared to a $100,000 1.32/12 month factor rate (MCA) with a $100,000 IOU Financial loan.
**% of applications passing RiskLogic score with qualified age, years in business, state and industry.

WE’RE FAST

Our online business lending application takes only minutes, and you can receive funding in as little as 48 hours through our quick decision loan process.

WE’RE RESPONSIBLE

Our credit expertise and proprietary technology ensure each merchant’s cash-flow is not stressed with a loan. Your profitable growth is our main objective.

WE’RE TRUSTWORTHY

We want to get to know you and your business to advise you in the best way possible. Thousands of small businesses already trust us to help their financing needs.

WE’RE CONSISTENT

With fixed daily payments taken out of your account automatically, you can stay focused on your business.

THE IOU WAY

Providing you with the affordable capital to let your imagination drive your business!



Most
Bank
Loans
Credit Card/Merchant Advance
Fast Funding (24 - 48 Hours)--
Values Cash Flow as much as Credit-
Least Amount of Paperwork--
Fast-Track 24 Hour Referral Process--
Builds Business Credit-
Better Business Bureau A+ Rating-
Easy-to-Budget Fixed Daily Payments--

MEET IOU FINANCIAL CUSTOMERS

Justin

“I really liked the service of IOU. The people weren’t pushy and just allowed me the time and the space to look at everything.”

READ THE FULL CASE STUDY

JustinOwnerTrinity Event Staffing
Bernie

“IOU follows through. It was a quick turnaround. In a matter of days, we were approved and we didn’t have to sign our lives away. We were told where to apply, what exactly we would need, and the money was available when they said it would be… simple, easy, and quick!”

BernieAccounting Department Manager, CBA ConsultantsRead More
Jason Black

“We went to a bank and tried the conventional route, but after about 6 months they told us we didn’t qualify. Luckily I was able to reach out to IOU Financial, and I qualified pretty quickly. ”

WATCH THE VIDEO INTERVIEW

READ THE FULL CASE STUDY

Jason BlackOwner
Mark Bruno

“I have received two rounds of financing from IOU Financial, They make it very easy and extremely clear the terms and amount you pay in the end, there are no hidden fees, I will continue to use IOU Financial as are business grows, would never think of calling a bank, I will always call IOU first!”

Mark BrunoFender Mender
Walter

“Take the time to talk to IOU.  They actually listen and understand the needs and performance metrics of small businesses.  These guys are the real deal and deserve your business.”

WalterAnnapolis Ice Cream CompanyRead More
Voodoo Vapor

“We received our funding from IOU within days and it enables us to put newer product on our shelves more frequently. This gives us more reasons to engage with our target market on social media, attract new customers, and build relationships with loyal customers.”

READ THE FULL CASE STUDY

Voodoo Vapor

Small Business Savings

Ready to save on your business expenses? Providing your business with the funds to fuel your growth is our mission, now we are offering you access to more resources help your business succeed! Through companies that match our vision of small business growth and expectation of quality customer service, you can receive cost saving benefits to a variety of products and services.

Check out what benefits our partners are offering your business!

Restaurant owners can cut costs on bookkeeping, equipment & supplies procurement, payroll, food & inventory procurement, brand development and more with Restaurant Link!

Want to grow online revenues and sell globally, all with a single point integration to allow payments from everywhere? Paysafe offers a competitive technology that will boost your online revenue.

Ready to save on your payment processing terminal by going to a direct provider? Worldpay can help you save 20-50% on your current fees and offers 24/7 excellent customer service.

Help is Here!

Ready to help talk through any questions, our team is dedicated to ensuring each customer receives the best service, from your initial application to your final loan payment.  The IOU Financial friendly support team is ready to assist you in any way.

Ready to get started?