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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
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.
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.
Tammy and her team are second to none
Tammy and her team are second to none! I have partnered with her and her team several times as my company has evolved. I hate borrowing but when I do, I do it with Tammy and IOU financial!
13 June 2025
Unprompted review
Reply from IOU Financial
Thank you for being a repeat customer. We are so pleased you have had great experiences!
Great service
Tammy was great. She went over everything and just had a great personality. Very hard these days to find a great person to work with. But Tammy took the time and effort to talk to me. She was very nice and helpful. Definitely see we working with her again. Thank you Tammy.
12 June 2025
Unprompted review
Reply from IOU Financial
Thank you for business and your feedback!
Reply from IOU Financial
We appreciate your comments.
Friendly and Professiinal
Tammy was very friendly and helpful with the closing of our loan. Would definitely recommend!
12 June 2025
Unprompted review
Reply from IOU Financial
Thank you for your comments.
I had an exceptional experience working…
I had an exceptional experience working with IOU, and I particularly want to highlight my interactions with Karen. From the very first moment, she impressed me with her extensive knowledge and professionalism. Every time I had a question, no matter how small, she took the time to provide clear and thorough answers, ensuring that I fully understood the terms and implications of my loan. Her patience and willingness to explain complex concepts in an easily digestible manner made the entire process much less daunting. I felt genuinely supported throughout, which eased my concerns and helped me make informed decisions. I wholeheartedly recommend IOU to anyone in need of financial services. Thank you, Karen, for your expert guidance!
11 June 2025
Unprompted review
Reply from IOU Financial
We're so pleased you had a good experience. We appreciate your feedback!
Karen was very friendly and…
Karen was very friendly and knowledgeable.
11 June 2025
Unprompted review
Reply from IOU Financial
Thank you for your comments.
Karen Made It Easy!
Karen was great to work with and very efficient through the loan closing process. Thank you for your help!
11 June 2025
Unprompted review
Reply from IOU Financial
We appreciate your comments.
Highly recommend
Very professional and transaction went very smoothly. Highly recommend.
3 June 2025
Reply from IOU Financial
Thank you for your feedback.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.