Fueling the Growth of Small Business

IOU Financial offers working capital to small business owners through strong and trusted partnerships.

Flexible Small Business Loans

3-Minute Application,
Pre-Approved in Seconds!

IOU Financial has fast, flexible small business loans, always there when your clients need them. Banks take weeks to decide if businesses qualify for financing. IOU Financial can deliver funding within 24 hours!



Our online application takes only minutes, and businesses can receive funding in as little as 24 hours.



We want to get to know each business so we can advise in the best way possible. Thousands of small businesses already trust us to help with their financing needs.



With fixed daily, weekly, or biweekly payments your clients can stay focused on their business.



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


Are your clients a match?

Minimum eligibility requirements for an IOU Financial loan

Total business ownership must equal 80%

Business established for at least 1 year

8 or more deposits per month in a business bank account

Annual revenue of $120,000+


Loan amounts of $15K - $1.5M


Loan terms from 6 to 36 months


Daily, weekly, bi-weekly or monthly payments

Partner with IOU

Fueling the growth of small business

Utilize our technology to provide your customers with unbeatable pricing and first class service everyday. We'd love to talk to you about partnering with us!


About IOU Financial

IOU is a progressive partner to brokers and small businesses

IOU Financial has been lending to small businesses since 2009 and funded over US$1.5 billion in loans. Its headquarters are in Montreal Canada, and its North American operations center is in Atlanta, Georgia. 

Need a business growth advisor to help you secure small business funding?

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Mailing Address

IOU Financial Inc.
600 TownPark Lane
Suite 100
Kennesaw, GA 30144