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

Do you need more than $500,000? You are able to renew your loan once you are 40% paid down.

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

Making it easy to get funding

I was blown away with the ease, speed, and friendliness of the  staff when we needed funding. I would recommend them to anyone!.

Incredible Experience

What a wonderful experience it was to do business with this company from the first phone call to the last the money went into my account at the precise time they told me it was incredible you just don’t see to many company’s anymore that do and say what they tell you and when they tell you i would recommend this company to anyone looking to expand there business and need a loan thank you keep up the outstanding work..

Impressive Business Loan

I am very happy with the process. I was very sceptical at first but now that the funds are going into my account in record time I would recommend you to anyone who needs immediate funds..

Contact us today to start your application

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