Easy to Apply
With our automated loan process, businesses can know if they credit qualify for an IOU Central small business loan within minutes.
No Up Front Costs
There are no upfront costs to apply or qualify for an IOU Central small business loan.
IOU Central offers small business loans 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 repayments means businesses don't have to worry about managing cash flows to make next month's payment.
No Prepayment Penalty
There is no prepayment penalty or pre-set amount on IOU loans because we are not factoring. It's OK to payoff IOU loans early and further reduce your borrowing costs.
IOU clients are eligible to apply for loan renewal once 50% of the loan has repaid. Benefits of a Renewal can be a higher loan amount or lower rate with good repayment history.
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