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
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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
997 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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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.
Extraordinary
Tammy was so efficient and pleasant! Would absolutely work with her again.
10 June 2025
Unprompted review
Tammy made the process easy and smooth
Tammy made the process easy and smooth. She was very pleasant to work with.
21 May 2025
Unprompted review
Great personality and very nice!
16 May 2025
Unprompted review
Great company to get working capital…
Great company to get working capital for scaling your business!
16 May 2025
Unprompted review
Reply from IOU Financial
We're thankful for the opportunity to partner with you to grow your business!
So kindly explain to what I need to…
So kindly explain to what I need to know.
14 May 2025
Unprompted review
Reply from IOU Financial
Thank you for your comments.
Tammy was great and friendly
Tammy was great and friendly. Overall excellent service.
10 May 2025
Unprompted review
Reply from IOU Financial
We appreciate your feedback!
Reply from IOU Financial
Thank you for your comments.
Tammy was great to work with and very…
Tammy was great to work with and very detailed with information. She also has a great attitude!
6 May 2025
Unprompted review
Reply from IOU Financial
Thank you for leaving your feedback!
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
Reply from IOU Financial
We appreciate your comments.
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