IOU Financial Reviews 969

TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, friendliness, and helpfulness, making the entire process seamless and stress-free. Many highlight the exceptional customer service, noting that representatives are knowledgeable, responsive, and take the time to explain complex information clearly. People appreciate the efficiency and ease of their overall experience, often describing it as fast and smooth. However, some customers also noted dissatisfaction with specific individuals, mentioning that certain interactions were difficult and uncooperative. These reviewers felt that some staff members were more interested in closing a deal than in understanding their needs, and in some cases, led to less positive interactions.

What people talk about most

Staff

Consumers generally express high satisfaction with the staff, frequently highlighting their professionalism,... See more

Service

Reviewers highlight positive aspects of service. Customers consistently praise the professional and... See more

Customer service

Clients share positive opinions on customer service. Many customers praise the helpfulness and... See more

User experience

People report positive experiences with the user experience. Customers consistently praise the helpfulness... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

This company is extremely competitive. You could spend weeks applying elsewhere, or you could just give them a shot. They’re fast, fair, and make aggressive but reasonable offers. Once I was... See more

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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


Company details

  1. Non-Bank Financial Service

About IOU Financial

Written by the company

IOU Financial provides small businesses throughout the U.S. access to the capital they need to seize growth opportunities quickly.

Typical customers include medical and dental practices, grocery and retail stores, salons, gas stations, auto repair shops, and restaurants. In a unique approach to lending, the IOU Financial advanced, automated application and approval system accurately assesses applicants' financial realities, with an emphasis on day-to-day cash flow trends.

IOU makes new and renewed loans of up to US$1,500,000 to qualified U.S. applicants within a few business days, with affordable charges favorable to cash-flow management. Its speed and transparency make IOU Financial a trusted alternative to banks.

IOU Financial has been lending to small businesses since 2009 and funded over US$1.5 billion in loans. IOU Financial operations is based in metro Atlanta, Georgia. For more information, visit http://IOUFinancial.com.

IOU Financial was formerly known as IOU Central

Contact info

4.9

Excellent

TrustScore 5 out of 5

969 reviews

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Hasn’t replied to negative reviews

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Rated 5 out of 5 stars

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!

December 17, 2025
Unprompted review
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Reply from IOU Financial

Thank you for your feedback!

Rated 5 out of 5 stars

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.

December 11, 2025
Unprompted review
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Reply from IOU Financial

Thank you for your feedback!!

Rated 5 out of 5 stars

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.

December 9, 2025
Unprompted review
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Reply from IOU Financial

We appreciate your comments.

Rated 5 out of 5 stars

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!

October 28, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

Justin, thank you for the feedback. We're so pleased you had a good experience and we appreciate your business!

Rated 5 out of 5 stars

Awesome Tammy!

Tammy was very thorough and patient. Great experience with her.

October 9, 2025
Unprompted review
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Reply from IOU Financial

Rusty, we're so pleased you had a great experience. Thank you for your feedback!

Rated 5 out of 5 stars

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.

September 17, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

Andrew, we're so glad to hear you had a good experience. Thank you for your feedback!

Rated 5 out of 5 stars

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.

September 17, 2025
Unprompted review
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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!

Rated 5 out of 5 stars

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.

September 12, 2025
Unprompted review
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Reply from IOU Financial

We truly appreciate your recommendation and comments. Thank you!

Rated 5 out of 5 stars

Tammy was phenomenal

Tammy was phenomenal. She is so great to work with and makes it easy.

September 8, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

We love hearing that Tammy helped make your experience a great one. Thank you!

Rated 5 out of 5 stars

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.

September 5, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

We appreciate your feedback!

Rated 5 out of 5 stars

Great experience and great people

Great experience and great people. Judith and Karen are great as well as the whole IOU team.

August 27, 2025
Unprompted review
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Reply from IOU Financial

We're so glad you had a great experience. We appreciate your business and your feedback!

Rated 5 out of 5 stars

2nd Loan with IOU Financial

This is my second time going over documents and speaking with Tammy. She takes the time to explain everything to me and really makes you comfortable. Very friendly and very knowledgeable.

July 31, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

We appreciate your comments and your business!

Rated 5 out of 5 stars

Tammy was great!

She was on time, fast, friendly and efficient. She did a great job explaining everything and making this a smooth process

July 25, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

Thank you for your feedback!

Rated 5 out of 5 stars

I'm a small time business compared to…

I'm a small time business compared to some of the other giants IOU funds. Judith and Karen treated me like ROYALTY!! In a time where outstanding customer service is rare, they both hit it out of the ball park! This is now my 3rd deal. I'm not a paid person to make this review up. My first deal with them got my business into Nevada, my 2nd deal to New Mexico and now my new 3rd deal is taking me to Colorado! I advise anyone who reads this to learn from a couple of simple things. 1)Please commit and follow through your payment structures. 2) Its tempting to touch that extra cash, DON'T TOUCH! 3) Use your money to grow and expand and NOT to pay your current debt. I know it's expensive to borrow but honestly here, would you trust someone who you barely know with money that probably won't pay you back? Again thank you for boosting my company up IOU, JUDITH AND KAREN!!

July 24, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

We are absolutely thrilled that you have had such great experiences and truly appreciate your repeat business! Thank you for giving us the opportunity to help you thrive.

Rated 5 out of 5 stars

Best in the Industry!

These guys are hands down the best financial institution in the industry. I've been working with them for years now and they never disappoint and they always give me exactly what I need, fast and are very easy to work with.

July 24, 2025
Unprompted review
IOU Financial logo

Reply from IOU Financial

Thank you so much for your kind words. We are honored to be a part of your business growth and look forward to a continued partnership!

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