AFFORDABLE SMALL BUSINESS LOANS
Up to $500,000 to grow your business.
Instant pre-approval and funding in 24-48 hours!
SMALL BUSINESS LOANS
3-Minute Application, Pre-Approved in Seconds. Fast, flexible small business loans, always there when you need them. Banks take weeks to decide if you qualify for financing. We can deliver small business funding in as little as 24-48 hours.
A TRUSTED LENDER
We are A+ rated by the Better Business Bureau and featured in USA Today, INC. Magazine and The Wall Street Journal.
BUILT BY SMALL BUSINESS FOR SMALL BUSINESS
We started this business in 2008 as a result of the credit crunch banks were putting on small business. Now, our proven product and focus on customer service fuels the growth of small business.
WE PRE-APPROVE 85% OF ALL APPLICATIONS
We provide small business loans that are truly built for the operations of a small retail/merchant driven business.
FUNDING AT THE SPEED OF OPPORTUNITY
We analyze your business and give you a pre-approval in seconds. Applications get funded in as quickly as 24 hours.
FEATURES & BENEFITS
EASY TO APPLY
With our automated small business loan process, businesses can know if their credit qualifies for a small business loan within minutes.
AFFORDABLE RATES
We offer small business loan rates without the bureaucracy encountered with a bank and at a fraction of the cost of a merchant cash advance.
FIXED DAILY LOAN PAYMENTS
Fixed automated daily payments means businesses don’t have to worry about managing cash flows to make next month’s payment.
NO UPFRONT COSTS
There are no upfront costs to apply or qualify for IOU Financial small business loans.
LOAN RENEWALS
Our clients are eligible to apply for loan renewal once 40% of the loan principal is repaid. Benefits of a Renewal can be a higher loan amount or lower rate with good repayment history.
SAVE ON EARLY REPAYMENT
We are a simple interest lender – so you only pay interest on the unpaid principal balance every day.
Capital that Works as Hard as You Do
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!
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.
NO RISK APPLICATION
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/detail 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, our 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 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 or 18 months).
NO EARLY PAYMENT PENALTY
You only pay interest for the time you are using the loan.
INSTANT PRE-QUALIFICATION
You can apply online, or over the phone in just minutes!
ADDITIONAL FUNDING
FIXED DAILY/WEEKLY PAYMENTS
Never worry about budgeting or saving up. Daily or weekly payments are taken directly out of your business bank account.
NO RISK = NO HESITATIONS
We do a soft credit pull, so your credit score is never affected!
HOW CUSTOMERS ARE USING BUSINESS LOANS TO GROW THEIR BUSINESS
47 %
Purchase Equipment
18 %
Business Expansion
16 %
Temporary Cash Flow
14 %
Purchase/Build Inventory
5 %
Other*
THE IOU WAY
Providing you with affordable capital to let your imagination drive your business!
Our honesty, directness, and great value provides you with
RESPONSIBLE LENDING, FROM START TO FINISH
Contact us today to start your application
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