• Non-Collateralized simple interest Business loans up to $100k
• 14.99% simple interest rate on 12 month loans. 12.99% on 6 month loans.
• Ability to lower total cost with early repayment.
o Upon early loan repayment, future interest is not paid.
• Online credit approval, submission, closing & funding process
• No re-underwriting or changing of loan terms after disclosed by UW.
• Borrowers in repayment programs of tax liens are ok.
• Save SBO’s on average $1250 per $10,000 borrowed vs. MCA’s.
• Lower cost of repayment at longer terms vs non-bank business lenders
OTHER KEY ADVANTAGES
• OK to have other business loans.
• Loan funds can be used for ANY business purpose.
• No to minimal prior-to-closing verifications. (VOR – Vendor)
• We qualify off total business cash flow, not just credit card receivables.
o Larger loan amounts available.
• Do not have to change out Credit Card processor.
• Technology platform to manage sales team pipeline easier.
• Business loans are tax deductible. (consult your accounting professional)
• No fee to apply or qualify.
• Very fast approval process – Within 48hrs.
• Limited Documentation.
o Only 6 mos bank statements & a voided check from the reviewed account
o 2 yrs business tax returns
• Use loan to help build business credit.
• Apply for new/renewal loan when initial loan paid down 50%.
Key Requirements
• Businesses with Daily or Constant sales preferred – Retail / Cash & Carry
• Must be in business >2yrs or more
• BK discharged >2yrs
• Clean Bank Statements with limited NSF’s and Negative Ending Days
• Min $3000 average daily balance
• 15+ deposits per month
• Minimum >$10,000 deposited per month
• 80% of ownership must sign and guarantee our loans



Colt McDaniel
Account Executive


IOU Central
600 TownPark Lane, Suite 140
Kennesaw, Ga. 30144
678-894-1773 (Direct)
866-217-8564 X419 (phone)
colt@ioucentral.com