IOU Central operates an internet-based lending platform aimed at allowing owner-operated businesses to apply for 6 or 12 month loans that range between $5,000 and $100,000. It is an easy fast way to obtain working capital for business needs such as inventory, equipment or expansion. IOU Central services all business loans generated through its lending platform. We are not a merchant cash advance program and all of our lending activities are subject to federal, state and local regulation, we comply with applicable state laws, including state lending laws and licensing and disclosure requirements.