Our Loan Product


Fast, Fair, Affordable Online Business Loans

IOU Central offers 6, 9, or 12 month loans at fixed interest rates that are repaid daily directly out of your business bank account.

Our loan application process is easy and our loan decisions are fast.

Get credit where credit is due

IOU Central is a web-based small business financial lender.

We are government regulated just as traditional lenders like banks and other credit institutions are, yet our approach to lending is what sets us apart.

Aside from shunning hidden fees and arbitrary rate hikes, we believe that what qualifies a small business owner for a loan is more than a specific credit score or cash flow projection.

Setting catch-all requirements that don’t take all factors into consideration makes for a very narrow view of a borrower’s loan-worthiness, and completely negates the fact that at the end of the day, the borrower is the customer, and if you want to do good business, you’ve got to treat your customers right.

Here are some of the key features of our loan product...

IOU Central - Fixed Payment

Loan Size $5,000 to $150,000
Term 6, 9, or 12 Months
Cost Market Driven
Payment Fixed
Pay Period Daily
Payment Method Direct Debit from Bank Account
Security Personal Guaranty
Pre-Qualification Time Instant
Funding Time As Little as 2 Business Days

Out with old financing, in with new financing

At IOU Central, you customize your loan request, specifying the amount of loan you need and the length of time in which you’d like to repay your loan. We look holistically at credit history, cash flow, performance, and other elements to help determine the overall health of your business.

If it’s a good fit, we fund the loan in as little as two days.
Learn more about our approach.


or contact us at