IOU Central

The MARKETPLACE for BUSINESS LOANS Start borrowing Start lending

How does it work, in a few words

1. A small business that needs a loan completes a loan application and posts a loan request on the IOU Central Marketplace.
2. Lenders browse the loan listings and place bids to lend money at specific rates and amounts.
3. When the business accepts funding of the loan, the bids with the lowest rates are combined together into a single loan.

What are the benefits for me?

• Borrower

  Lower rates, on your terms.

  IOU Central’s sealed-bidding marketplace allows you to accept the funding of your loan with only the lowest-offered interest rates.

  Getting credit where credit is due.

  IOU Central offers small businesses an alternative to high-interest merchant cash advance loans. Finally a source of credit that puts the small business in control.

  High-tech, low-touch.

  Computer algorithms are complicated. Getting a loan shouldn't be. We make borrowing straightforward, user-friendly and secure.

• Lender

  Break the ties that bind.

  IOU Central offers do-it-yourself lenders the ability to diversify their investment portfolio with small business loans. Great returns, cash-flow secured, daily repayments and short terms... Need we say more?

  Pay it forward.

  You can stimulate your economy, and many others in the process, just by lending to a small-business.

  Get some sleep.

  Rest assured that only qualified, credit-worthy small businesses are able to participate in our marketplace.

It's all secure!