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
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
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
Company details
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
600 Townpark Lane, 30144, Kennesaw, United States
- 866.217.8564
- sbloans@ioufinancial.com
- ioufinancial.com
4.9
Excellent
969 reviews
Hasn’t replied to negative reviews
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Mike is an all star
Mike is an all star. He has made this a relationship not just a transaction. Exceptional experience
January 8, 2025
Reply from IOU Financial
Thank you!
Smooth and seamless
Smooth and seamless. Tammy was professional and answered all of my questions.
January 8, 2025
Reply from IOU Financial
We appreciate your comments.
very quick response and very Friendly
very quick response and very Friendly
January 2, 2025
Unprompted review
Reply from IOU Financial
Thank you!
Tammy was great to deal with
Tammy was great to deal with! Thoroughly explained everything and was very friendly
December 31, 2024
Unprompted review
Reply from IOU Financial
Thank you for your comments!
Tammy was very professional
Tammy was very professional, pleasant and easy to work with. She made sure I understood all the terms and made me feel very comfortable with the process.
December 12, 2024
Unprompted review
Reply from IOU Financial
Thank you for your feedback.
This was a seamless process
This was a seamless process. Tammy was great.
December 11, 2024
Unprompted review
Reply from IOU Financial
We're so glad to hear it!
Reply from IOU Financial
We appreciate your feedback!
Great customer experience
Great customer experience! Fast, efficient, and got the job done:)
December 11, 2024
Reply from IOU Financial
Thank you for your comments.
Tammy at IOU Financial was amazing!
Tammy at IOU Financial was amazing!! Highly recommended.
Thanks,
Jason
November 27, 2024
Unprompted review
Reply from IOU Financial
We appreciate your feedback!
Reply from IOU Financial
Thank you for your comments!
Tammy was very positive and informative…
Tammy was very positive and informative and talked about all options while putting no pressure on me .
It was a pleasant way to do business
Thank you
November 19, 2024
Unprompted review
Reply from IOU Financial
We're so pleased to hear about your positive experience. Thank you for your comments.
Tammy Tyra was so easy to work with and…
Tammy Tyra was so easy to work with and explained everything fully
October 16, 2024
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
Reply from IOU Financial
Thank you!
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.
October 9, 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
September 18, 2024
Reply from IOU Financial
Thank you for your feedback!
Tammy was amazingly helpful
Tammy was amazingly helpful. The process was easy and straightforward.
October 3, 2024
Unprompted review
Reply from IOU Financial
We appreciate your feedback.
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