IOU Financial Inc. operates as a wholesale marketplace lender in the United States. The company originates and sells commercial loans receivable; and services loans that are sold to institutional purchasers on a non-recourse basis. It is involved in the commercial lending brokerage business. The company serves medical and dental practices, grocery and retail stores, restaurant and hotel franchisees, and e-commerce companies. IOU Financial Inc. was founded in 1977 and is headquartered in Montreal, Canada. As of September 29, 2023, IOU Financial Inc. was taken private.