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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What people talk about most
Reviews shaping this summary
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
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 ty... 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
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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Tammy Tyra was so easy to work with and…
Tammy Tyra was so easy to work with and explained everything fully
16 October 2024
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
Reply from IOU Financial
Thank you for your comments!
Look Elsewhere
Decent process and terms. However they dragged out closing and surprised me with fees in excess of what was previously agreed to. We agreed to a 1% fee and they hit me with 2.5% + $595 without disclosing that first.
9 October 2024
Reply from IOU Financial
We appreciate you taking the time to give us your feedback. Unfortunately, we are not able to control individual companies that provide our loans. However, we do take the time to carefully review the details of your loan during the closing process. If you feel that our services were unclear in any way, we would love to talk with you. If you are interested in speaking with our Client Services team, you can reach them at 866-217-8564. We take our performance very seriously here at IOU Financial and strive to offer upfront and honest services to all our customers. Please let us know if there is anything we can do to improve your borrowing experience.
Reply from IOU Financial
We think Tammy is great, too! Thank you!
WHEN i REACHED OUT TO IOU FINANCIAL I…
WHEN i REACHED OUT TO IOU FINANCIAL I SPOKE WITH MEYER AND EXPLAINED MY SITUATION WITH THE COMPANY THAT I TOOK OUT A LOAN WITH OVER TWO YEARS AGO ,. I ALSO TOOK OUT TWICW TO INCREASE MY LOAN ONLY TO FIND OUT THE INTEREST I WAS BEINIG CHARED WAS TO BE FORGIVEN ANY TIME I NEEDED A LOAN. THE OLD BALANCE WAS PAID OFF BUT LEARNED LATER, THE INTEREST THAT WAS TO BE MEMOVED ON THE OLD LOAN, IT WAS NOT , I REACHED OUT TO THEM ONLY TO BE TOLD THAT WAS NOT THE CASE. MEYER EXPLAINED THEIR POLICY AS WELL PUT IT IN WRITING THAT IF I NEEDED TO REUP FOR A NEW LOAN I WOULD NOT PAY THE INTEREST ON THE OTHER LOAN.
THE TRANSITION WAS HANDELED VERY PROFESSIONAL AND ONLY TOOK ONE DAY ALSO WAS ABLE TO LOAN ME THE AMOUNT I NEEDED . I WOULD RECOMEND ALL MY FRIENDS THAT OWN THEIR BUSINESS CALL I O U FINANCIL
18 September 2024
Reply from IOU Financial
Thank you for your feedback!
Tammy was amazingly helpful
Tammy was amazingly helpful. The process was easy and straightforward.
3 October 2024
Unprompted review
Reply from IOU Financial
We appreciate your feedback.
Very helpful
Very helpful, understanding and went above and beyond! Best experience ever!
3 October 2024
Unprompted review
Reply from IOU Financial
We're so glad to know you had a good experience and we appreciate your business!
Reply from IOU Financial
We appreciate your feedback!
We had a great experience with Karen
We had a great experience with Karen. She answered every question in a timely manner. We look forward to continue to do business with her.
2 October 2024
Reply from IOU Financial
Thank you. We look forward to working with you again in the future!
I have worked with IOU for years and…
I have worked with IOU for years and their processes are first rate. I work with Tammy and she has always been professional and met our company’s needs.
26 September 2024
Unprompted review
Reply from IOU Financial
We appreciate your continued business!!
This is a blind-sided decision not…
This is a blind-sided decision not because I knew, but the name stands out. It's very understandable as a no nonsense institute for loans with indecent credit approval for clients. Accordingly, it seems likely that this last resort must come true. Also some of the names that gave rave reviews are very trusted pupil that I knew before. Thus, these are my trusted words for you from me. I hope this business deal is made in Heaven straight up to max. May God bless our efforts! Thankfully, the applicant.
26 September 2024
Unprompted review
Reply from IOU Financial
Thank you!
Reply from IOU Financial
Thank you!
Its easy
the representative on the phone I dealt with Tyra was incrediable explaining everything in detail and helped with another issue. I was very thankful of.
25 September 2024
Reply from IOU Financial
Thank you so much for your business and your feedback.
Reply from IOU Financial
We appreciate your comments.
Judith and Tammy were great
Judith and Tammy were great. Made the experience easy and professional.
16 September 2024
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
The brokers worked with us to secure a…
The brokers worked with us to secure a deal that made sense for us. They took care of a bad deal and made a good deal out of it
5 September 2024
Reply from IOU Financial
We appreciate your comments!
Reply from IOU Financial
Thank you for your feedback, Johnny!
Borrow 48k paying back 67k for weekly…
Borrow 48k paying back 67k for weekly payment of 1k.This people will kill you after putting you in the grave ,slaughter you again ,they worse than vampire .Taking advantage on people. May the hell fire be your paradise
24 January 2024
Unprompted review
Reply from IOU Financial
We take reviews very seriously and strive to understand how to improve our services and communication. Our goal is to offer small business owners quick and affordable access to capital. Due to our fast process, our rates can differ from a traditional bank, but they serve a different purpose.
Tammy Krause was professional and very…
Tammy Krause was professional and very clear with explain how the loan worked . It was a seamless experience .
22 August 2024
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
Tammy is amazing as always!!
Tammy is amazing as always!!! So helpful, informative, patient, and friendly!!!
14 August 2024
Unprompted review
Reply from IOU Financial
We appreciate your comments!
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