It was handled very professionally while still being friendly and nice. Hillary Albertson and Tammy Krause could not have been more delightful. Hillary had phone tech issues but remained calm. Tammy... See more
Company replied
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Review summary
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I worked with two great individuals. Alvin was my rep during the application process and Tammy Krauss to sign the contracts. Both were incredible, answered all my question, super friendly, knowledgeab... See more
Company replied
Andrew was really awesome, worked with us extensively. Always answered his phone and text, explained everything, and is just a really nice guy too. We got the money we needed and couldn't be happi... See more
Company replied
Tammy is the sweetest person I've ever dealt with in regards to any lending I've ever done. She's nice and professional. It's hard to find quality customer service but IOU Financial has an asset in Ta... See more
Company details
About IOU Financial
Written by the company
IOU Financial is a leading technology-enabled small business lender providing fast, transparent access to growth capital through a nationwide network of preferred broker partners.
Powered by its proprietary lending platform, IOU seamlessly connects brokers, borrowers, and underwriters in real time—delivering an efficient, relationship-driven alternative to traditional banks.
Since 2009, IOU has originated more than $1.9 billion in financing to help thousands of small businesses across the United States invest in inventory, hire employees, purchase equipment, expand operations, and manage working capital.
We understand that every business is unique, which is why we combine innovative technology with experienced lending professionals who provide personalized guidance throughout the financing process. Our streamlined application and underwriting process helps qualified businesses receive decisions quickly, with funding available in as little as 24–48 hours for many borrowers.
At IOU Financial, we are committed to delivering a straightforward lending experience built on transparency, responsiveness, and long-term relationships. Whether businesses are pursuing growth opportunities or navigating seasonal cash flow needs, our goal is to provide financing solutions that help entrepreneurs move their businesses forward with confidence.
Contact info
600 Townpark Lane, 30144, Kennesaw, United States
- 866.217.8564
- sbloans@ioufinancial.com
- ioufinancial.com
4.9
Excellent
996 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 50% of negative reviews
Typically replies within 24 hours
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I had a need for immediate funds. I told Tammy, who processed the loan for me that I needed it in 30 minutes. I was surprised to see it in my account much earlier.
I had a need for immediate funds. After the
11 March 2026
Unprompted review
Reply from IOU Financial
Thank you.
Really appreciate them accommodating my…
Really appreciate them accommodating my schedule for the closing call. Process was extremely easy.
10 March 2026
Unprompted review
Reply from IOU Financial
Travis, thank you for the feedback!
Reply from IOU Financial
We appreciate your comments, Olen.
Excellent Services
Excellent Service .
Thanks Tammy for your patience and explanations .
10 February 2026
Unprompted review
Reply from IOU Financial
We appreciate your feedback!
Reply from IOU Financial
Theresa, we're happy to hear you had a good experience.
Best company ever
30 January 2026
Unprompted review
Reply from IOU Financial
Wow! Thanks for the kind words, Thiago.
Tammy made the process really easy and…
Tammy made the process really easy and fast
31 December 2025
Unprompted review
Reply from IOU Financial
Sandeep, we're so glad to hear that. Thank you!
Karen was knowledgeable and most helpful!
Karen was knowledgeable, helpful and responsive. She was a pleasure to deal with. Definitely a terrific ambassador for IOU Financial!
17 December 2025
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
Pleasure to do business with
It was handled very professionally while still being friendly and nice.
Hillary Albertson and Tammy Krause could not have been more delightful. Hillary had phone tech issues but remained calm. Tammy Krause walked us through with a smile on her face even though we couldn’t see her. She too had Tech issues and also stayed calm and came up with alternative solutions to get the job done. Both remained very professional when speaking and quite frankly was a pleasure to work with.
11 December 2025
Unprompted review
Reply from IOU Financial
Thank you for your feedback!!
Andrew was really awesome
Andrew was really awesome, worked with us extensively. Always answered his phone and text, explained everything, and is just a really nice guy too.
We got the money we needed and couldn't be happier.
9 December 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments.
Change the payment day without…
Change the payment day without acknowledge.
11 November 2025
Unprompted review
I worked with two great individuals
I worked with two great individuals. Alvin was my rep during the application process and Tammy Krauss to sign the contracts. Both were incredible, answered all my question, super friendly, knowledgeable and I never felt pressured into a product that wasn't right for my business. I had been approached by dozens of other companies offering similar products but the others seemed only interested in closing any deal, whether it fit or not. Couldn't have had a better experience and start to finish, under 48 hours. Thanks again Alvin and Tammy!
28 October 2025
Unprompted review
Reply from IOU Financial
Justin, thank you for the feedback. We're so pleased you had a good experience and we appreciate your business!
Awesome Tammy!
Tammy was very thorough and patient. Great experience with her.
9 October 2025
Unprompted review
Reply from IOU Financial
Rusty, we're so pleased you had a great experience. Thank you for your feedback!
Customer service was top notch
Customer service was top notch. Pleasure to speak with and deal with over the phone. I was left with the impression they really cared about our business and were willing to help in any way they could.
17 September 2025
Unprompted review
Reply from IOU Financial
Andrew, we're so glad to hear you had a good experience. Thank you for your feedback!
IOU Financial made taking a loan easy
Borrowing money for business is typically a difficult process but the entire process with IOU Financial was easy and straightforward. Tammy Krause was extremely friendly, helpful and made what’s typically a stressful process very care free. She was extremely knowledgeable and walked me through each step and explained any questions I had in easy to understand terms. I feel confident in our choice in lending with IOU Financial.
17 September 2025
Unprompted review
Reply from IOU Financial
Leah, thank you so much for your comments. We are thrilled to hear that you had a great experience and that Tammy was so helpful. We appreciate your business!
Excellent- professional- responsive-…
Excellent- professional- responsive- respectful
12 September 2025
Unprompted review
Reply from IOU Financial
We appreciate your feedback!
The experience went very well
The experience went very well. Tammy explained everything as went went along and made the process seamless. Would recommend using them if you ever need financial services.
12 September 2025
Unprompted review
Reply from IOU Financial
We truly appreciate your recommendation and comments. Thank you!
Tammy was phenomenal
Tammy was phenomenal. She is so great to work with and makes it easy.
8 September 2025
Unprompted review
Reply from IOU Financial
We love hearing that Tammy helped make your experience a great one. Thank you!
Tammy was very Profesional and kind
Tammy was very Profesional and kind, she made it easy to talk to her by creating a welcoming environment.
5 September 2025
Unprompted review
Reply from IOU Financial
We appreciate your feedback!
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