When was IOU Financial founded?

IOU Financial was founded in 2006 and raised its 1st funding round 5 years after it was founded.

Where is IOU Financial located?

IOU Financial is headquartered in Kennesaw, United States.

How many employees does IOU Financial have?

As of Apr 30, 2026, the latest employee count at IOU Financial is 116.

Is IOU Financial a funded company?

IOU Financial is a funded company, having raised an undisclosed amount across 6 funding rounds to date. The company's 1st funding round was a $***** Post IPO round, raised on May 2011.

When was the latest funding round of IOU Financial?

IOU Financial's latest funding was a $***** Post IPO round on Nov 04, 2020, with participation from 0 investor.

Where does IOU Financial rank among its competitors?

IOU Financial ranks 201st amongst 2089 active competitors, of which 183 are funded.

Who are the top competitors of IOU Financial?

IOU Financial's top competitors include FlexiLoans, Money View and Figure. Among them, IOU Financial secured the most recent funding round in November, 2020.

IOU Financial - 2026 Company Profile, Team, Funding & Competitors

Company Details

IOU Financial is a US based provider of working capital loans to small businesses. It offers fixed interest loans from $5,000 to $150,000 for a loan tenure of 6,9 or 12 months with a personal guarantee of the borrower. It has, so far, offered loans of $200M to a range of businesses like medical, dental, grocery and retail for purposes such as expansion, inventory building, purchases etc.

Website: ioufinancial.com
Social

Key Metrics

Founded Year

2006

Location

Kennesaw, United States

Stage

Public

Latest Funding Round

Post IPO, Nov 04, 2020, $*****

Investors

MidCap Financial & 2 more

Ranked

201^st among 2089 active competitors

Employee Count

116 as on Apr 30, 2026

Similar Companies

FlexiLoans & 729 more

Exit Details

Public

View IOU Financial's full profile

IOU Financial is associated with 3 legal entities given below:

Legal Entity Name	Date of Incorporation	Revenue	Latest Employee Count	Documents
IOU Central Inc. CIN: 20061375650 , United States, Active	Sep 14, 2006	-	-	-
IOU Central Inc. CIN: 107375 , United States, Active	Apr 01, 2007	-	-	-
IOU Central, Inc CIN: - , United States, Active	Aug 15, 2006	-	-	-

IOU Financial got listed on Mar 17, 2014.

Click here to take a look at IOU Financial's IPO in detail

IOU Financial has raised funding over 6 rounds. Its first funding round was on May 2011. IOU Financial has 3 institutional investors.

Here is the list of recent funding rounds of IOU Financial:

Filter this list

Date of Funding	Funding Amount	Round Name	Post-Money Valuation	Revenue Multiple	Lead Investors	Other Investors
Nov 04, 2020	1392415	Post IPO	7846574	9247289	6586219	9641190
Apr 03, 2018	6748225	Post IPO	6550965	8623108	4139656	4162549
Feb 28, 2018	1701014	Conventional Debt	5943627	5362775	3370104	MidCap Financial

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View details of IOU Financial's funding rounds and investors

The founders of IOU Financial is Philippe Marleau.

Here are the details of IOU Financial's key team members:

Philippe Marleau: CEO & Founder of IOU Financial.

View details of IOU Financial's Founder profiles and Board Members

IOU Financial's employee count trend

IOU Financial has 116 employees as of Apr 26. Here is IOU Financial's employee count trend over the years:

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Top competitors of IOU Financial include FlexiLoans, Money View and Figure. Here is the list of Top 10 competitors of IOU Financial, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	FlexiLoans 2016, Mumbai (India), Acquired	Developer of a digital marketplace platform for business loans	$96.9M	British International Investment, Maj Invest ... & 15 others	76/100
2nd	Money View 2014, Bengaluru (India), Series E	Provider of digital financial services including loans, investments, and insurance	$220M	Dream Incubator, Lok Capital & 21 others	74/100
3rd	Figure 2018, San Francisco (United States), Series D	Blockchain-based platform for consumer loans	$435M	Apollo Global Management, JPMorgan Chase ... & 50 others	71/100
4th	Nav 2012, San Mateo (United States), Series C	Business credit monitoring and financing	$90.3M	Kleiner Perkins, Goldman Sachs Investment Partners ... & 26 others	70/100
5th	Bizongo 2015, Mumbai (India), Series E	AI-powered vendor digitization, procurement and supply chain financing solutions	$257M	IFC, British International Investment & 32 others	69/100
6th	GoKwik 2020, Delhi (India), Series B	Provider of software suite solutions for e-commerce and D2C brands	$73M	Matrix, RTP Global & 63 others	68/100
7th	Clix Capital 2016, Gurugram (India), Series C	Lending platform for consumers and businesses	$69.5M	Apollo Global Management, Global Climate Partnership Fund ... & 7 others	67/100
8th	InCred 2016, Mumbai (India), Series D	Online platform offering diversified consumer and business loans	$318M	KKR, Barclays & 121 others	67/100
9th	Yubi 2020, Chennai (India), Series B	Online marketplace for business loans	$239M	TVS Capital Funds, Dragoneer Investment Group ... & 22 others	67/100
10th	Indifi 2015, Gurugram (India), Series E	Provider of a fintech platform that provides online business loans to small businesses in India, utilizing data-driven analysis to assess creditworthiness and offer flexible repayment terms	$90.8M	ICICI Venture, CX Partners & 30 others	67/100
201st	IOU Financial 2006, Kennesaw (United States), Public	Working capital loan provider to small businesses.	-	MidCap Financial, Dancap Family Investment Office ... & 1 others	52/100