The Canada-based company specializes in commercial lending, offering loans to medical and dental practices, retail stores, restaurants, and e-commerce companies. With an advanced, automated application and approval system, IOU Financial can assess applicants' financial realities and make loans of up to $500,000 (renewable up to $600,000) to qualified US applicants within a few business days. Its focus on day-to-day cash flow trends and affordable charges make it a trusted alternative to banks.