EASY TO APPLY

With our automated loan process, businesses can know if they credit qualify for an IOU Central small business loan within minutes.

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 UP FRONT COSTS

There are no upfront costs to apply or qualify for an IOU Central small business loan.

SAVE ON EARLY REPAYMENT

We are a simple interest lender - so you only pay interest on the unpaid principal balance every day.

AFFORDABLE RATES

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.

LOAN RENEWALS

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.

I was able to get my ice cream parlor a bigger loan because IOU makes loans off total business deposits not just credit card receivables.

-Jeni Bauer , Ice Cream Parlor Owner


$70,000 loan
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IOU Central


IN THE NEWS

IT’S’ ALL SECURE

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"I understand the struggles of small business owners. I know the challenges they face in getting the working capital they need to grow. That is why I encourage small businesses, including ones I’ve invested in on ABC’s Shark Tank to use IOU Central for their short term capital needs."

- Kevin O'Leary, Entrepreneur & Small Business Advocate

This is why I selected IOU Central as my alternative lender of choice.

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    UNDERSTANDING

    They understand the needs of small businesses and how they run.

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    FAST

    Their speed to funding is unsurpassed in the industry.

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    SIMPLE

    They take a traditional labor-intensive process for small businesses and incorporate technology to make it simple and painless.

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    RELIABLE

    Their management team are top notch and continuously looking for ways to improve upon their already excellent customer service.