Company profile: IOU Financial
1.1 - Company Overview
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
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
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- Acquisitions: ●●
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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
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
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
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 2: ████████ ████████
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Buyer group 3: ████████ ████████
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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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