IOU Financial is a company that offers small businesses in the United States and Canada the opportunity to access capital quickly in order to take advantage of growth opportunities. The company caters to a diverse array of businesses, such as medical and dental practices, grocery and retail stores, salons, gas stations, auto repair shops, and restaurants. IOU uses a unique lending approach that features an advanced, automated application and approval system that accurately assesses the financial state of applicants, with a focus on day-to-day cash flow patterns.