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IOU Financial Reviews 969

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TrustScore 5 out of 5

4.9

Non-Bank Financial Service
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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

Tammy was great!

Tammy was great at explaining me all the procedures and things I needed to know about my loan before signing. She answered every question I had, I definitely will be doing business with this financial institution again.

22 April 2026
Unprompted review
Rated 5 out of 5 stars

Quick process

Quick process, Tammy listened and corrected errors we found. Very reasonable person to deal with, friendly and smart.

7 April 2026
Unprompted review
Rated 5 out of 5 stars

Great Experience

Mrs. Tammy made the entire loan process painless. She went over and beyond and was very effecient. Thank you for the professionalism that was demonstrated today.

2 April 2026
Unprompted review
Rated 5 out of 5 stars

Easy

Easy, quick & infomative.

22 January 2026
Unprompted review
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Reply from IOU Financial

Theresa, we're happy to hear you had a good experience.

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