Recently Funded Loans:   
Other in Missouri - $88,000.00
Restaurant or cafe in Texas - $100,000.00
Other in Massachusetts - $100,000.00
Auto repair or parts shop in Georgia - $70,000.00
Retail store in California - $50,000.00
Auto repair or parts shop in California - $100,000.00
Medical office in Illinois - $100,000.00
Other in Florida - $20,000.00
Auto repair or parts shop in Maryland - $100,000.00
Other in Florida - $50,000.00
Auto repair or parts shop in California - $50,000.00
Retail store in California - $50,000.00
Auto repair or parts shop in North Carolina - $60,000.00
Dental office in Texas - $50,000.00
Furniture store in Illinois - $40,000.00
Restaurant or cafe in Kansas - $100,000.00
Other in California - $100,000.00
Retail store in Ohio - $70,000.00
Restaurant or cafe in Ohio - $60,000.00
Furniture store in California - $20,000.00
Grocery store in Texas - $40,000.00
Retail store in New York - $5,000.00
Other in Wisconsin - $35,000.00
Other in Texas - $25,000.00
Retail store in Florida - $5,000.00
Other in Rhode Island - $60,000.00
Auto repair or parts shop in West Virginia - $50,000.00
Retail store in Illinois - $40,000.00
Other in Connecticut - $100,000.00
Other in Louisiana - $100,000.00

Small Business Loans

Loans up to $100,000 based off your total business cash flow.



I was able to get my practice a bigger loan because IOU makes loans off total business deposits not just credit card receivables. IOU Dentist Client - Peoria, AZ
IOU Central's 12 month loan, low cost to borrow and fixed payment really helped us grow our business. We were recently even able to open up a new location! IOU Retail Client - Villa Park, Ill
Auto Repair
As a business owner my time is limited. I completed IOU's online application in a few minutes, closed the loan online and funded in about a day!! All I can say is WOW!! IOU Auto Repair Client - Jacksonville, FL
Lower Cost to Borrow and Lower Payments.
Complete our easy online loan application in less than 10 minutes.
Approvals and Funds in as little as 2 days!!
Use an IOU Central loan today to strengthen your business tomorrow.
Bakery Owners


$23K Helped us add a new oven which has help our sales and profits. 12 month term / low fixed daily payment - We loved it!.

Hotel Owner


$82,000 Funded a marketing campaign and remodel for my hotel that should drive a substantial revenue increase over the next few years.


DOCTOR $70,000

This $70,000 loan helped us expand our office space allowing us to see more patients and grow our practice.

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.

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.

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.

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.

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