Overall average rating of 4.7 out of 5, and the percentage of positive recommendations 82 %
Tuesday 29th of November 2016 08:15:34 PM
fast approval on loan. Process was Quick and done with ease.
Monday 31st of July 2017 11:34:19 PM
Yes I would recommend
Saturday 5th of January 2019 01:53:00 PM
The loan was processed smoothly and quickly.
Monday 2nd of October 2017 06:39:12 AM
IOUFinancial is a truly professional company, from the underwriting process to the completion of the application, every step was automated and augmented by personal assistance. They were able to save me thousands by refinancing my existing loan and seemed to view me as someone trying to be successful rather than a one-time close. I highly recommend them to anyone who is looking for business capital.
Monday 10th of October 2016 10:37:54 AM
EVERY ONE I DELT WITH AT THIS COMPANY WAS DISHONEST WITH ME THESE PEOPLE THEY LIED TO ME, IT SEEMS THEY WILL SAY AND DO ANYTHING TO GET YOU TO SIGHN WITH THEM ..I DELT WITH SOMEONE NAMED JAMES BANK..I WILL NEVER DO BUISNESS WITH THIS COMPANY AGAIN...
Thursday 20th of October 2016 11:39:09 PM
Fast and their promises were kept.
Saturday 5th of August 2017 09:55:26 AM
I have received two rounds of financing from IOU Central, They make it very easy and extremely clear the terms and amount you pay in the end, there are no hidden fees, I will continue to use IOU as are business grows, would never think of calling a bank, I will always call IOU first!
Friday 22nd of July 2016 05:13:33 PM
I Love these guys!!!!
Monday 22nd of May 2017 10:49:41 PM
Finish is clear...
Sunday 25th of November 2018 03:41:13 PM
All good and very fast
Saturday 16th of December 2017 07:18:42 AM
We have received a couple different loans from IOU. They are easy to work with and the funding process is simple and fast.
Monday 12th of June 2017 05:28:05 PM
I am getting a satisfaction survey when I have only gotten fees charged to my account and have yet to receive the loan funds.
Sunday 5th of March 2017 08:40:42 AM
every detail of transaction was presented very candidly and to the point!
Tuesday 25th of October 2016 08:42:21 AM
So far so good. The closing and on-boarding process were smooth.
Friday 3rd of November 2017 10:02:24 PM
Be careful with the broker that IOU using. They present loan as a open end and then all interest is hidden in the fee that you have to prepay. Other way Guys who work for the company directly are very Nice. And a specially Jenifer .
Wednesday 13th of September 2017 12:46:14 PM
I highly recommend IOU Financial to anyone seeking business funding alternative options. their terms are staright forward and the process is completely painless.
Sunday 23rd of April 2017 06:03:09 AM
I have use a few different factoring companies to grow my business, and IOU was very fair in their offering and their customer service staff was very friendly and helpful (both Sheri and Karen) went out of the way to make sure I felt comfortable with the process and helped to get me funded ASAP! Overall the best experience I ever had in this industry!
Thursday 22nd of September 2016 06:41:12 PM
Simple, prompt and filled our need for funding.
Friday 14th of December 2018 06:04:55 AM
I got a better rate with IOUCentral and the process was very simple and straight forward. I hope I never need to borrow again but if I do I will use them again
Wednesday 9th of May 2018 05:41:58 PM
Experience was good except for at day of funding, I received an email stating my account was extremely past due and was on the verge of being reported to the credit agency and being put into collections. Made me concerned that my business credit in which I worked so hard to achieve could be damaged by faulse reporting or a mistake on IOU behalf. Not to happy about that experience!
Friday 7th of September 2018 04:38:54 AM
I was trying to get a loan to expand by putting any additional building on my shop very work diligently to get it approved
Sunday 11th of March 2018 06:34:22 AM
I had a very positive experience with IOUFinancial.com Everyone was helpful with all the steps along the way. I will definitely return with my future financial needs. Thank You
Thursday 3rd of November 2016 02:47:09 AM
The customer service was awesome and the process was the easiest and most efficient I have ever experienced. I would recommend IOU Central to any business owner that needs extra capital for expansion of their business. IOU Central offers great plans that fit your needs. Everyone involved with the process was wonderful!! Thank You!!
Saturday 4th of August 2018 11:10:55 PM
This was a fairly easy process. Approval was same day and funding shortly after. I would go through them again.
Wednesday 28th of March 2018 03:29:17 AM
great experience. very nice customer
Monday 27th of March 2017 12:34:28 AM
We had a really easy time dealing with IOU, and their team were very professional and the process took less than a week. If your company is in need for fast action on a loan and you are willing to pay more to acquire funds I would recommend IUO.
Monday 29th of January 2018 02:52:20 AM
They are a good company...I have renewed funds twice...Sherry and Sandra are great!
Wednesday 29th of November 2017 11:54:08 PM
He was very helpful and patient with us. Couldn't ask for a better experience.
Sunday 14th of January 2018 05:46:51 AM
Your representatives were persistent but very professional.
Tuesday 13th of February 2018 07:58:59 PM
Great to do business with. Colt from IUO was great to work with and this time I hope I didn't make a mistake? Shawn at Repair Shop Loans brokered this deal I hope that didn't cost me money? Either way we needed the money and they take care of us every time so if you need it they will get it done. Thanks both Shawn and Colt for helping in times of need and trusting me to pay them back.
Wednesday 13th of June 2018 04:01:40 AM
Everything was handled professionally and quickly. We highly recommend.
Sunday 6th of August 2017 05:55:29 PM
Getting some working capital w/ easy application and repayment options and quick response. Have used this company a couple times over the past 3 years.
Friday 26th of August 2016 03:56:19 AM
Very easy simple application fast servie
Wednesday 30th of November 2016 06:19:03 AM
People were excellent to deal with would tell others about this company
Tuesday 4th of April 2017 06:08:38 PM
The funds were in my account as promised, what else can you ask for? Very professional, and courteous.
Sunday 25th of March 2018 02:08:21 AM
Easy, fast and accurate. Very good personal customer services
Sunday 30th of December 2018 01:32:29 PM
This is our second loan with IOU Financial and I couldn't be happier. Keep up the good work.
Monday 29th of August 2016 02:50:44 PM
Very good and happy!
Thursday 7th of February 2019 11:30:02 AM
9% origination fee and 19% guarantee fee were not disclosed before or during the closing call. We were told we could save the interest by paying off the principal early, but not that the principal was increased by 28% at origination. The broker we used told us the loan was interest-bearing and we could avoid continued high fees if we paid the loan off early - not true.
Monday 23rd of January 2017 08:56:02 PM
I was impressed with the quickness of the whole process and the ease of application.
Saturday 1st of April 2017 07:44:40 PM
Very quick and easy. , really helped me grow.
Tuesday 12th of December 2017 05:21:46 PM
Sherrie is awesome easy dealing with her and IOU FINANCIAL HIGHLY RECOMMEND!
Saturday 10th of December 2016 07:34:00 AM
Got a comfortable noon pressurized experience. Everyone pleasant.
Sunday 29th of July 2018 07:25:02 PM
Exactly what was promised, on time, without the big headache producing mountains of proof. Would consider borrowing again from IOU before anyone else:)
Thursday 6th of October 2016 03:34:29 AM
Renewing 1st loan after having paid aprox 50% 0f 1st loan is EXTREMELY EXPENSIVE. On one hand debtor has to pay in full the interest on 1st loan while having used up half of the principal funded on 1st loan, and secondly unpaid balance is deducted from the new net funded amount. I am wondering the lenders intentions.
Friday 20th of October 2017 05:28:32 AM
I received professional service from IOU and was very happy with the team that helped get a short term loan to get through a busy season.
Friday 16th of March 2018 01:28:16 AM
they were very help in process
Saturday 7th of October 2017 06:55:52 PM
Transparent and honest!
Thursday 26th of October 2017 06:45:54 AM
Iou is a good option short short term capital. They are easy to deal with and pretty quick to fund. The capital is a little costly but all the lenders are.
Thursday 18th of October 2018 11:39:12 PM
From the application process, dealing with the representatives, it was so easy and flawless. Would recommend them highly.
Sunday 14th of January 2018 11:12:38 PM
Very smooth and efficient process. Great communication and handling of the transaction. The only mistake was that they deposited the funds into the wrong bank account and I still don't have a response (4 business days now) as to if I've got to deal with it myself or if IOU can make the correction for us.
Thursday 6th of July 2017 10:06:02 PM
IOU was a perfect fit for us and very easy to work with.
Sunday 14th of May 2017 11:14:32 AM
IOU Central was a very pleasant company to work with. The sales associate was very knowledgeable & easy to work with. We were approved in 2 business days & funded in 4 business days. I was also presented options I could choose from.
Saturday 15th of April 2017 06:58:42 AM
The lack of lending from the banking system has provided a massive opportunity for the industry that IOUCentral is a part of. They are taking advantage of the need of small business by charging usury rates. Doesn't really matter what industry companies are in, they can only survive for so long by borrowing money from 25-50 percent. The market is there for companies like IOU b/c small businesses need capital and they provide it. A small business would rather borrow at a usurious rate rather than go out of business..............
Tuesday 14th of February 2017 08:16:29 PM
very easy and helpful
Sunday 12th of February 2017 02:26:40 PM
Having to call my mother Marie into shop to ask questions that she had no ideal about an to call my Bank for confirmation was a added experience I never had to do borrowing money. . And I have done it Three times in the last 3 years. All past loan were payed off before due dates. I found it stressful but it’s over an all us good now .
Wednesday 1st of November 2017 07:38:49 AM
I greatly appreciated Dynamic's assistance in acquiring funds for my dental office! The process was very easy and straightforward.
Wednesday 28th of September 2016 11:56:52 AM
Not only are they super communicative, they have an online dashboard that allows me to always check the status and know what's what. They respond via email or phone and never hesitated to get back quickly with an needed information. Loved them enough to want to renew with them :).
Sunday 1st of October 2017 06:02:07 PM
My experience with ioucentral.com has been exceptional. My account executive Keith Dhams is great and always there to assist. His customer service is exceptional and informs me all the way. I intend to continue this business relationship with Keith Dhams and ioucentral.com as they are of great assistance and show better understanding than the banks!!
Monday 6th of November 2017 03:49:55 PM
Got the $80k I needed in 2 days at a great rate with no hassle. Can't get better than that!
Wednesday 19th of December 2018 04:40:48 PM
They did everything on schedule, entire process was fairly easy.
Wednesday 17th of May 2017 06:35:06 AM
Great people working very hard to make sure your deal get pushed through. Everyone is very understanding and will try to help you every step of the way. I can't recommend them enough!
Monday 12th of December 2016 12:30:48 AM
It was a pleasure to do business with IOU Financial!!! Saved us a lot of money in the long run. They are courteous.
Sunday 9th of September 2018 11:47:28 PM
Very fast funding they explained everything and the rates are very reasonable
Saturday 4th of February 2017 11:38:46 AM
Simple transaction, very fast funding! Highly recommend! Sandra Sacra was very helpful and professional!
Friday 15th of December 2017 11:01:58 AM
Very nice treatment and cordial , a bit of ignorance in financial matters and the calculations , the fees had been a mistery till the end , about 10 % of the amount to be disbursed, the rate ended at 32% or 32 cents on the $ ,
Friday 6th of April 2018 09:26:04 PM
The personal guarantee should have been disclosed during the selling of the loan and not at document signing.
Tuesday 13th of November 2018 07:36:55 AM
The whole process was quick and easy. The load closed in just a few days.
Thursday 4th of May 2017 04:21:36 PM
Sandra Sacra is among the most pleasant people to deal with - she isn't afraid to use humor to help in what could sometimes be a tad stressful, and I'm a HUGE fan of hers - and, as a result, IOU Financial. Thank you, IOU!
Wednesday 5th of April 2017 09:26:26 AM
so far so good
Thursday 11th of May 2017 08:36:02 PM
they did a great job and were easy to work with...
Friday 27th of January 2017 04:41:30 AM
IOU IS THE BEST AT HELPING BUSINESS WITH THEIR FINANCIAL NEEDS IN EVERY WAY. THEY GET THE PAPER WORK COMPLETED AS SOON AS THEY RECEIVE INFORMATION AND INFORM YOU WHEN FUNDS WILL BE AVALIABE TO GROW THE BUSSINESS THAT THEY APPROVE. I KNOW I HAVE A GREAT COMPANY THAT CAN ASSIST IN GETTING EQUIPMENT NEEDED TO SERVICE OUR CUSTOMERS IN GIVING THEM GREAT SERVICE.TRANSPORTATION IS OUR SPECIALTY SERVICE IS OUR PRODUCT.
Thursday 27th of September 2018 11:54:32 PM
I have used other companies before and thought the process was so draining. But IOU made it so easy from start to finish. Everyone was so pleasant and professional. I hope I don’t need anymore funding but if I do I will definitely call IOU!
Thursday 18th of January 2018 01:03:00 PM
very quick and complete service, did what they said they were going to do, everyone we came in contact with, was very helpful and professional.
Tuesday 16th of August 2016 10:41:23 PM
I was very pleased with your outfit! It went quickly . Your rates are much better than a lot of others that have entered your line of business. Everybody connected to IOUF was polite, respectful, and knowledgeable!
Thursday 28th of September 2017 03:43:52 AM
I would recommend this company to any small business looking for working capital. They have low rates and great customer service!!!
Monday 27th of February 2017 08:22:32 AM
Everything went smooth.I would use them again.
Sunday 12th of March 2017 02:09:32 AM
Chad Riddle was great, my second loan and it was about as seamless and easy as you can get. State of the art process with the best technology I've ever seen to easily process a transaction. I highly recommend IOU for small business funding!!
Monday 14th of November 2016 03:00:55 PM
This was the most painless loan I have ever applied for. Very professional and easy procedures to accomplish my approved loan. The terms were within my financial needs and wants. I will definitely use them in the future. I would strongly recommend them for any financial needs.
Friday 20th of October 2017 10:34:35 AM
Fast and professional.
Wednesday 25th of July 2018 08:16:06 PM
On website said no up front fees, and everything was very easy. But at the end there was in fact a $295.00 fee so I felt betrayed. And my broker had also thought no fees, so he felt bad that he had misspoke. Of course it is a small fee compared to the interest rate, but was more the idea.
Monday 18th of June 2018 04:01:04 AM
IOU Financial is incredibly professional. They are detailed oriented. Their customer service and interpersonal skills is superior to any other company we have done business with.
Sunday 16th of July 2017 10:05:12 PM
The process was very simple & quick. Great company!
Friday 15th of September 2017 08:48:24 PM
My experience was was extremely professional, being assisted by Jennifer brought a sense of courtesy and respect that is tough to beat in today's business world. Thank you
Saturday 28th of January 2017 08:58:48 AM
Thank you for trusting me and doing what you say your going to do, giving me a small loan to get me started then a larger loan to follow
Wednesday 6th of June 2018 09:37:57 PM
Great experience. Very professional and courteous.
Sunday 29th of October 2017 11:14:11 PM
Thay are very nice.fast and ez to work with.Thanks
Saturday 28th of April 2018 07:13:47 AM
Sandra Sacra was wonderful to work with.
Monday 7th of May 2018 02:41:38 PM
Second time using IOU and second time that they failed to fully disclose all of the fees and costs involved with the loan. I was very specific this time and reiterated the fact that I did not want any surprises when they called to complete the loan. They did exactly the same thing that they did the 1st time, tacked on additional fees when they knew that I was likely to accept them due to time constraints. Otherwise they are pretty good to do business with.
Wednesday 20th of June 2018 10:12:32 PM
Very pleased with the application on the loan with out 10 pages of fine print.Fair interest charge for this style of loan.Good people to deal with and to understand.
Tuesday 19th of September 2017 08:00:51 PM
IOU Financial has helped out when we were looking for some additional funds for new equipment, training and overall business options. Lorrie is tremendous in her customer service! Her response time is always quick and the whole process flows great!
Sunday 4th of September 2016 12:56:50 AM
Being a small business owner myself, I know how important it is to do a great job for our clients. Though IOU is a huge company and does a good job for many, I am sure, I was extremely impressed with my contact Phil. He was very patient through the process as I had a family situation arise in the middle of the deal, that put things off. Phil was very professional, was understanding, never pushy, and I really appreciated that! He is a great asset to your company.
Monday 18th of June 2018 05:32:45 PM
I have dealt with several cash advance companies and this was by far the fastest, easiest and fairly priced transaction.
Sunday 12th of August 2018 02:12:09 AM
I appreciate all the personal help that IOU Central provided to refinance my loan.
Thursday 12th of October 2017 10:47:06 PM
THANK YOU FOR ALL YOUR HELP, PROCESS WAS SMOOTH AND TROUBLE FREE
Wednesday 31st of August 2016 03:18:10 AM
The process for loan approval and funding was flawless! Highly recommend this source for business funding.
Sunday 29th of July 2018 04:24:47 PM
Fast service excellent customer service !
Wednesday 1st of February 2017 06:50:30 AM
What a nice company.
Wednesday 5th of July 2017 08:04:36 PM
excellent service. Fast underwriting. easy Approval.
Monday 7th of August 2017 11:35:21 AM
I'm thoroughly impressed with the timely and accurate delivery of the IOU team service promise.