Company overview
HQ · Kennesaw, GA
Term loanLine of creditSBA loansEquipment
IOU Financial (formerly IOU Central) is a technology‑enabled small business lender that offers term loans, lines of credit, SBA bridge loans and equipment financing up to $1.5 million. It provides fast automated underwriting with daily, weekly or bi‑weekly repayment schedules and distributes primarily through broker partners.
Company focus
- Headquarters
- Kennesaw, GA
- Founded
- 2006
- Employees
- 51-200
- Specialties
- Fast funding within 24‑48 hours, Multiple loan products (term loans, lines of credit, SBA bridge, equipment financing), Partner‑focused distribution with ISO and referral programs and renewal commission structure
Reported eligibility
- Reported score (scale not specified)
- 50
- Monthly revenue from
- $10,000
- Time in business (months)
- 12
Funding & terms
- Funding from
- $15,000
- Funding up to
- $1,500,000
Third-party reputation
- Reported research
- IOU Financial (IOU Central Inc.) holds an A+ rating with the Better Business Bureau and a 4.9/5 rating on Trustpilot from 970 reviews. The company has been operating since 2009 with no reported regulatory actions, and it was noted in 2023 to have been acquired and delisted from the TSX Venture Exchange.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.