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Apply for financing with IOU through Richie Lending and save additional 10% on your payments

IOU Financial is a leading online lender specialized in helping small businesses with healthy cash flow.

What is being offered?

Funding size range:

Term range:

Interest Rate:

10000 - 500000

180 - 540


What kind of financing can I get?

Small Business Loan Merchant Cash Advance

What are the requirements?

Revenue min:

Days in business min:

FICO score min:

Balance on funding max (%):





In case of specific situations, IOU funds:

Past Defaults

Seasonal Business

Existing Positions

Accept Credit Cards

Have Tax Liens

Start Your Funding Application Right Now

Fill out this form below and get your offers today. It is free and doesn't affect your credit.

IOU funds businesses in these countries:


IOU works in these states:

Alabama Alaska American Samoa Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Nebraska New Hampshire New Jersey New Mexico New York North Carolina Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia West Virginia Wisconsin Wyoming

Industries Funded:

Art, Entertainment and Recreation Gambling Construction Education Healthcare Social Assistance IT, Media, or Publishing Legal Services Oil and Gas Extraction Manufacturing Political, Governmental or Public Organization Religious Organization Restaurant and Food Services Retail Store Gas Station Utilities Wholesale Trade Airlines Annual Memberships Brokerage Cannabis / Medical Marijuana Consumer Credit Dating Services Escort Services Payday Loans Warranty Companies Law offices / Attorney Pawn Shop / Consignment stores Multi - level marketing Collection Agency All Other

Legal entities served:

Corporation Partnership LLC Sole Proprietorship

IOU doesn't work in these states:

Montana Nevada North Dakota Vermont Washington

IOU doesn't provide financing to these industries:

Adult Entertainment Transportation and Warehousing Freight Trucking Mining Travel Agencies Auto Dealers & Parts Finance and Insurance Real Estate Non-profits Firearm Store Agriculture, Forestry, Fishing and Hunting

๐Ÿš€ We sell at BUY RATE, cheaper than lenders themselves

Here is the dark truth, lenders "sell" the loan to the broker at BUY RATE. Broker then adds a 10-14% commission on top and presents it as the offer. We sell at BUY RATE, it can be as much as $20k back to your pocket

๐Ÿ”Ž Fully transparent system

We made a full commitment to making our job as transparent as possible. You will see offers from lenders as they arrive, not altered or corrected in any way

๐Ÿ’ฌ Questions? Ask away at any time

While we are dedicated to use as much technology as possible, we do not forget about the old school personal approach

๐Ÿ’ฐ Access 100+ Top Lenders in the country

Richie Lending works with virtually all the lenders in the country. We set very high standards to our lenders, making sure they work for your best interest

๐ŸŒ Flat one-time fee or simple subscription

We are able to make everything happen with a simple transparent one time fee of $199 per loan. Get more than 1 loan per year? Try our subscription plans for as low as $49/month

๐Ÿ’Ž We help people with bad credit or no credit at all

Many small business owners do not have perfect credit; it's ok, our job is to help people in tough situations

๐Ÿ—ƒ Access offers from multiple lenders

Richie Lending has a marketplace approach which means we find absolutely the best offers available for you in the market

โšก๏ธ Next business day funding

Most of our deals are funded within one day so you can concentrate on things that matter - running your business

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Start Your Funding Application Right Now

Fill out this form below and get your offers today. It is free and doesn't affect your credit.

 Is your business negatively affected by COVID-19? Qualify for the government's Coronavirus Disaster Relief Loan here: Check here