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.

IOU Financial

Montreal, US · 1 known investors

Find your way into IOU Financial

95 people in our graph share verified history with the IOU Financial team — schools, employers, funds. One of them is your warm intro.

Mattias Ljungmanunlockedknows Philippe Marleau · together at McGill University (overlapped)

×11knows the team · via McGill University

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

Philippe Marleau inFounder · 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.

Jason CawleyNamed on SEC filing

Yves RoyNamed on SEC filing

David KennedyNamed on SEC filing

Evan PriceNamed on SEC filing

Board

Serguei KouzmineBoard director

Investors · 1

FinTech VenturesAtlanta · $250K – $2M

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.

Competitors · 4

by search overlap

Zenbusiness63 shared keywordsZenBusiness provides an all-in-one platform combining AI-powered guidance (Velo) with customer support to help entrepreneurs start, protect, and grow their businesses through business formations and compliance services. The platform serves business owners at all stages, from first-time LLC filers to established companies managing bookkeeping and regulatory requirements.

Intuit®55 shared keywordsIntuit develops financial software products—including TurboTax, Credit Karma, QuickBooks, and Mailchimp—for consumers and small businesses to manage taxes, credit, accounting, and marketing. It serves approximately 100 million customers worldwide.

homebase55 shared keywordsHomebase is a management platform for small businesses that includes team messaging, scheduling, shift tracking, onboarding, and payroll features. It serves restaurants, retail, and other hourly-wage businesses with tools for employee communication, scheduling, and performance tracking.

Wix55 shared keywordsWix is a website builder and domain registrar that enables users to create professional websites and online presence. The platform serves businesses, creators, agencies, and enterprises with design tools, business management features, and AI-powered capabilities.

Companies competing with IOU Financial for the same Google search keywords, organic and paid, via search-intersection analysis.

In the news

Benefits of Becoming an IOU Financial Partnerioufinancial.com · Nov 2025

Small 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.