Underwriting file
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Paper grades run from A (lower risk) to D (higher risk). Blank fields are unavailable rather than estimated.
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How this profile was found
Criteria last observed in the source record: Jul 28, 2026. Confirm current criteria and submission contacts directly with the lender before sending merchant information.
For ISOs and brokers
Partner with IOU Financial
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Recommended next steps
- Use the contact information shown here to ask for the current ISO or broker onboarding package.
- Confirm the broker agreement, required business documents, commission schedule, submission method, and active buy box directly with the lender.
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These are general onboarding safeguards, not a lender-specific approval process. Confirm every requirement directly.
Financing products
What IOU Financial offers
Product details have not been supplied by the lender yet.
Reputation
Reviews around the web
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23 reviews · checked Aug 2026
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Google returns up to five reviews ordered by relevance. Reviews are written by Google Maps users and are not verified by Lender List.
Regina AshcraftTammy made the entire process simple. She explain everything in detail with me & my husband David. It was a pleasure working with Tammy.
Corey HovlandShe was very pleasant to deal with and had really good questions, she came across very non threatening, and positive, when someone on my end is trying to borrow. Thank you
Kent BaltzellIOU financial helped me get my 4 million dollar project underway immediately! The most professional group of lenders I’ve ever dealt with. Honest, they communicate, I would recommend them anytime!!
Duane RankinTammy worked with me on closing. She was friendly, efficient and knowledgeable.
Ben FuchsIOU is an easy to work with, buttoned down company and I can confidently recommend them, and special props to Tammy K., professional, competent and very friendly, thanks!
First-hand accounts
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