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Company profile: IOU Financial

1.1 - Company Overview

IOU Financial Logo

IOU Financial

Headquarter: United States
Founded: 20XX🔒
Employees: 100-500🔒

Company description

  • Provider of small business financing and advisory solutions, offering loans of $15,000 to $1,500,000 with 6–36 month terms and flexible daily, weekly, bi-weekly, or monthly repayments. Features an online application enabling funding within 24 hours, and a partner program for resellers and brokers with technology and support to offer loans to their clients.

Products and services

  • Small Business Loans: IOU Financial engineers flexible financing with 6–36-month terms, $15,000–$1,500,000 amounts, and daily/weekly/bi-weekly/monthly repayments, delivering rapid capital access for growth, custom-engineered
  • Online Application Platform: IOU Financial architects a web-based portal enabling applications in minutes and funding within 24 hours for expedited access to business capital, enterprise-grade
  • Advisory Services: IOU Financial delivers guidance helping small businesses understand and utilize debt responsibly for growth, professional-grade

Key contacts

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Financial details

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1.2 - Competitors and similar companies to IOU Financial

Lendy Logo

Lendy

HQ: United Kingdom Website
  • Description: Provider of Europe’s leading peer-to-peer secured property lending platform.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Lendy company profile →
Aplazame Logo

Aplazame

HQ: Spain Website
  • Description: Provider of consumer credit and instant financing for online purchases, integrating an overtime payment method at e-commerce checkout with marketing tools to boost sales. Offers installment payments up to 36 months with variable interest, Pay in 4 with no fees, Pay in 15 Days with no interest, and point-of-sale financing for in-store purchases up to 36 payments.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Aplazame company profile →
eStudentLoan Logo

eStudentLoan

HQ: United States Website
  • Description: Provider of technology-driven resources to learn about and search for student loans and financial aid, helping users find, compare and apply for private student loans. Offers Education Connection to match students with accredited online and campus-based schools, and provides guidance on grants, scholarships, military benefits, and student loans.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full eStudentLoan company profile →
Tranch Logo

Tranch

HQ: United Kingdom Website
  • Description: Provider of an invoice-to-payment platform that helps enterprises optimize cash flow and simplify accounts receivable via flexible payment infrastructure and a customizable, fully hosted checkout. Offers Pay Later (2–12 months, up to £500,000, dynamic credit line, automatic repayments), Pay Now via bank transfer (FedNow, Real-Time Payment Network), Pay by Card, and Embedded Checkouts via link or API.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Tranch company profile →
Fundtru Logo

Fundtru

HQ: United States Website
  • Description: Provider of business financing services, including SBA loans with up to 85% guarantees through SBA-approved lenders, small business loans for owners facing traditional lending hurdles, fixed-rate term loans, equipment financing, and flexible lines of credit. Also offers a fuel card program providing discounts on fuel and maintenance via an RTS partnership.
  • Rationale: This competitor operates in a highly similar market segment with overlapping features.
  • Company type: Private company
  • Employees: ●●●●●
  • Total funding raised: $●●●m
  • Backers: ●●●●●●●●●●
  • Acquisitions: ●●
View full Fundtru company profile →
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2.M&A buyers

2.1 Potential strategic acquirers in the sector

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2.2 - Strategic buyer groups for IOU Financial

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Buyer group 1: ████████ ████████

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Key Products: ████████, ████████, ████████, ████████
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Buyer group 2: ████████ ████████

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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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Buyer group 3: ████████ ████████

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Description: ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████ ████████
Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms

3.1 - Buyout funds investing in similar companies to IOU Financial

2.2 - Growth funds investing in similar companies to IOU Financial

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4 - Top valuation comps for IOU Financial

4.2 - Public trading comparable groups for IOU Financial

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4.3 - M&A Transactions similar to IOU Financial

Selected M&A transactions

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Frequently Asked Questions

About IOU Financial

What does IOU Financial do?

IOU Financial is a provider of small business financing and advisory solutions, offering loans of $15,000 to $1,500,000 with 6–36 month terms and flexible daily, weekly, bi-weekly, or monthly repayments. Features an online application enabling funding within 24 hours, and a partner program for resellers and brokers with technology and support to offer loans to their clients.

Who are IOU Financial's competitors?

IOU Financial's competitors and similar companies include Lendy, Aplazame, eStudentLoan, Tranch, and Fundtru.

Where is IOU Financial headquartered?

IOU Financial is headquartered in United States.

How many employees does IOU Financial have?

IOU Financial has 1,000 employees 🔒.

When was IOU Financial founded?

IOU Financial was founded in 2010 🔒.

What sector and industry vertical is IOU Financial in?

IOU Financial is in the Enterprise Software 🔒 sector and industry

M&A Buyers & Acquirers for IOU Financial

Who are the top strategic acquirers in IOU Financial's sector and industry

Top strategic M&A buyers and acquirers in IOU Financial's sector include ████████, ██████████, ██████, ████████, and ██████████ 🔒.

Which M&A buyer groups are most relevant for IOU Financial?

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Financial Investors investing in IOU Financial's sector and industry vertical

Which are the top PE firms investing in IOU Financial's sector and industry vertical?

Top PE firms investing in IOU Financial's sector and industry vertical include ████████, ██████████, ████████, and ██████████ 🔒.

Who are the top buyout funds acquiring in IOU Financial's sector and industry vertical?

Active PE funds and buyout funds acquiring companies in IOU Financial's sector and industry vertical include █████████, ██████████, ████████████, and ████████████ 🔒.

Who are the top growth equity funds investing in companies in IOU Financial's sector and industry vertical?

Growth funds and venture capital funds investing in companies similar to IOU Financial include █████████, ██████████, ████████████, and ████████████ 🔒.

Valuation benchmarks of companies in IOU Financial's sector and industry

Which are the key public companies that are relevant trading comps benchmarks for IOU Financial?

The key public trading comparables and valuation benchmarks for IOU Financial include █████████, ██████████, ████████████, and ████████████ 🔒.

Which are the key trading comparable groups for IOU Financial for public valuation benchmarks?

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What are recent M&A transactions in IOU Financial's sector and industry vertical?

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What are recent capital raises and funding rounds in IOU Financial's' sector and industry vertical?

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