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IOU Financial

Montreal, US · 1 known investors

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IOU Financial is an online lender founded in 2009 that provides fast, short-term financing to small businesses across the United States, including retailers, restaurants, medical practices, and service providers. It positions itself as a transparent lending partner that offers capital without requiring owners to give up equity or control.

Fintech

Founders & leadership

PM
Philippe MarleauFounder · Board MemberPhilippe Marleau co-founded and served as CEO of IOU Financial, an online lender to small businesses, which he took public on the TSX Venture Exchange and grew to deploy nearly US$1 billion in capital across North America. He holds a Bachelor of Engineering from McGill University with a minor in economics, is a Chartered Financial Analyst, and has worked as a portfolio manager and equity research analyst at financial institutions including Merrill Lynch and Credit Suisse First Boston.
JC
Jason CawleyNamed on SEC filing
YR
Yves RoyNamed on SEC filing
DK
David KennedyNamed on SEC filing
EP
Evan PriceNamed on SEC filing

Board

SK
Serguei KouzmineBoard director

Investors · 1

Reported raises · per SEC filings

Form D private placements

$765.7K disclosed across 1 round · 2016

▶$765.7KraisedNov 2016 · Other Banking and Financial Services
Rule 506(b)
Officers, directors & promoters on the filing
  • Philippe MarleauExecutive Officer, Director
  • Jason CawleyDirector
  • Serguei KouzmineDirector
  • Yves RoyDirector
  • David KennedyExecutive Officer
  • Evan PriceDirector
Offering amount
$765.7K
Amount sold
$765.7K
First sale
Oct 2016
Incorporated
Corporation, Quebec, Canada
Federal exemptions
06b
Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

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In the news

Benefits of Becoming an IOU Financial Partnerioufinancial.com · Nov 2025Small Business Term Loan Financing | IOU Financialioufinancial.com · Nov 2025

Frequently asked questions

What does IOU Financial do?
IOU Financial is an online lender founded in 2009 that provides fast, short-term financing to small businesses across the United States, including retailers, restaurants, medical practices, and service providers. It positions itself as a transparent lending partner that offers capital without requiring owners to give up equity or control.
Who founded IOU Financial?
IOU Financial was founded by Philippe Marleau.
Who are IOU Financial's investors?
IOU Financial's investors include FinTech Ventures.
How much funding has IOU Financial raised?
IOU Financial has disclosed $765.7K raised across 1 round.
Where is IOU Financial headquartered?
IOU Financial is headquartered in Montreal, US.