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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

Great service and very timely.

Tammy was very friendly and very helpful. Everything about the process to understanding my loan was clearly outlined, and she made sure they were completely transparent.

30 April 2025
Unprompted review
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Reply from IOU Financial

We appreciate your comments.

Rated 5 out of 5 stars

The person that I spoke with her name…Tammy

The person that I spoke with her name was Tammy she was beyond delightful explained everything very very well she is a asset to your company I so appreciate working with her

9 April 2025
Unprompted review
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Reply from IOU Financial

We're so glad you had a great experience. Thank you!

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