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
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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Great experience and great people
Great experience and great people. Judith and Karen are great as well as the whole IOU team.
27 August 2025
Unprompted review
Reply from IOU Financial
We're so glad you had a great experience. We appreciate your business and your feedback!
best customer se rv i ce
Tammy is the best customer service ever, thank you so much!
25 August 2025
Unprompted review
Reply from IOU Financial
Thank you for your feedback. We think Tammy is great, too!
Honest and hard working individuals at IOU
I like to do business with honest people. Everything else will follow. Thank you
20 August 2025
Reply from IOU Financial
Thank you for your feedback!
Tammy was very helpful and…
Tammy was very helpful and knowledgeable which made the process simple and easy.
30 July 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments.
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.
31 July 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments and your business!
Tammy was great!
She was on time, fast, friendly and efficient. She did a great job explaining everything and making this a smooth process
25 July 2025
Unprompted review
Reply from IOU Financial
Thank you for your feedback!
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!!
24 July 2025
Unprompted review
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.
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.
24 July 2025
Unprompted review
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!
Amazing service
The customer service was amazing. Tammy was fantastic. She walked me through the documents and terms. The terms were fantastic.
21 July 2025
Unprompted review
Reply from IOU Financial
Thank you for your comments!
Tammy did a great job with helping get…
Tammy did a great job with helping get funded with IOU financials. She will always treat you professionally and take care of everything.
15 July 2025
Unprompted review
Reply from IOU Financial
We appreciate your business and your comments!
Reply from IOU Financial
Thank you for your feedback!
Reply from IOU Financial
Thank you for your comments.
Reply from IOU Financial
We appreciate your feedback.
Quick
Matt did the best job getting us capital! These lenders are great to work with
3 July 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments!
Tammy did a great job of taking me…
Tammy did a great job of taking me through the process. Although 5 day funding is not great.
3 July 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments.
Karen A++++++…
Karen exemplified what a true personalized and professional experience should be. Would highly recommend for any of your funding needs. Thank you again for making this a great experience.
26 June 2025
Unprompted review
Reply from IOU Financial
We're so pleased that you had a great experience. Thank you for your comments!
This company is extremely competitive
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 approved, I worked with both Phil and Jennifer at different points in the process. They were professional, responsive, and made everything seamless from start to finish.
If you’re looking to secure funding for your business, I highly recommend IOU Financial.
23 June 2025
Unprompted review
Reply from IOU Financial
Thank you so much for your feedback. We appreciate your business.
Reply from IOU Financial
We appreciate your feedback.
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