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IOU Financial Reviews 

996
•
TrustScore 5 out of 5

4.9

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Looking at 54 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, patient, and thorough when explaining every detail of the loan. People note that representatives are extremely polite, kind, and pleasant to work with from start to finish. Consumers also highlight that the application procedures are entirely straightforward, seamless, and remarkably quick to complete. Reviewers appreciate the flexible scheduling for closing calls and the reliable support provided by the team. Many customers state they would gladly recommend these professional financial services to other small business owners.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, expressing deep appreciation for the exceptional support and... See more

Customer service

Reviewers express great satisfaction with customer service, highlighting supportive representatives who... See more

User experience

Clients share positive opinions on user experience, highlighting a straightforward and seamless loan process.... See more

Service

Users describe positive interactions with service, highlighting fast application processes and timely fund... 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

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

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

Rated 5 out of 5 stars

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

  1. Non-Bank Financial Service

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

4.9

Excellent

TrustScore 5 out of 5

996 reviews

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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

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4.9

All reviews

(996)

55 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

Tammy was very courteous …

Tammy was very courteous and professional on the call. She was thorough and knowledgeable and willing to take time to explain everything in details. She’s a great person on the job. Thanks Tammy. Please give her a recognition. She deserves it.

20 May 2026
Unprompted review
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

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