IOU Financial offers working capital to small business owners. According to the company’s website,, IOU Financial has been lending to small businesses since 2009 and funded over US$1 billion in loans. The company’s mailing address is 600 TownPark Lane, Suite 100, Kennesaw, GA 30144 and they can be reached at 1-866-217-8564.

IOU Financial Pros and Cons conducted a review on IOU Financial. According to this review, IOU Financial offers fast funding times, a simple application with same-day approval, and has a low credit score requirement and no prepayment fees. On a negative note, IOU Financial is known to have high interest rates with lots of fees, including an origination fee and only offers short-term financing. IOU Financial requires frequent repayments and businesses cannot directly apply for funding. Information from this review was obtained on September 7, 2023.

IOU Financial Cost 

The same review conducted by states that IOU Financial has some significant fees associated with their loans. They charge an origination fee that ranges anywhere from 7%-9% of the borrowing amount. IOU Financial also charges a guarantee fee to reduce risk and a loan administration fee of $495. This information was obtained on September 7, 2023.

BBB: IOU Financial Review

The Better Business Bureau is a nonprofit organization that collects and provides free business reviews to consumers and businesses in the US and Canada. You can visit the Better Business Bureau website to view the full IOU Financial review. As of September 7, 2023, IOU Financial received a 1 out of 5 stars for a total of 1 customer review.

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If your business is struggling to manage its debt, it is important to act quickly. By exploring different options you will ensure that the financial assessment of your business’s situation is accurate and comprehensive. CuraDebt Business has been helping small businesses for over 22 years nationwide and is one of the oldest and most experienced in the debt relief industry. As of May 2023 CuraDebt Business received a score of 5 out of 5 on CustomerLobby for a total of 1179 customer views. CuraDebt Business is an Accredited Member of the American Fair Credit Council. Contact us toll free today for a free consultation. 1-877-504-0981. Not only do we handle business debt relief, we also offer personal debt relief and tax debt relief.

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