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IOU Financial, via its U.S. subsidiary, IOU Central, 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, restaurant and hotel franchisees and e-commerce companies. In a unique approach to lending, IOU Central's advanced, automated application and approval system accurately assesses applicants' financial realities, with an emphasis on day-to-day cash flow trends. It makes loans of up to $100,000 to qualified applicants within a few business days, with affordable charges favorable to cash-flow management. IOU Central's speed and transparency make it a trusted alternative to banks.
We are an online consumer lending platform organized around providing superior value and experience for our borrowers. Founded in the summer of 2013 and headquartered in Austin, Texas. We believe in putting our customers first. That means affordable, fixed rate personal loans that are backed by secure technology and friendly service.
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