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IOU Financial Inc. — Investor Relations & Filings

Ticker · IOU ISIN · CA44985J2048 TSXV Financial and insurance activities
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Filings indexed 373 across all filing types
Latest filing 2020-12-03 Capital/Financing Update
Country CA Canada
Listing TSXV IOU

About IOU Financial Inc.

https://ioufinancial.com/

IOU Financial Inc. operates an online lending platform providing working capital and growth financing to small and medium-sized businesses (SMBs) often underserved by traditional banks. The company functions as a wholesale lender, facilitating fast, flexible small business loans ranging from $15,000 to $1.5 million, with terms up to 24 months. A key differentiator is speed, offering pre-approval in seconds and funding within 24 hours of approval. IOU Financial leverages proprietary technology and credit expertise to ensure responsible lending practices and offers customizable payment schedules (daily, weekly, bi-weekly, or monthly). The company primarily serves its market through a network of trusted partners and brokers, having funded over US$1.5 billion in loans since 2009.

Recent filings

Filing Released Lang Actions
News release - English.pdf
Capital/Financing Update Classification · 100% confidence The document is a news release announcing the closing of a private placement financing by IOU Financial Inc., including details about the number of shares issued, gross proceeds, insider participation, and regulatory approvals. It also includes a corporate update about a new board appointment and option grants. The content focuses on fundraising activities and capital structure changes rather than financial results, management discussion, or regulatory certifications. The document length is 7,583 characters, which is sufficient for a detailed announcement but does not contain financial statements or detailed financial analysis. Therefore, this document fits best under the category of Capital/Financing Update (CAP).
2020-12-03 English
52-109FV2 - Certification of interim filings - CEO (E).pdf
Regulatory Filings Classification · 100% confidence The document is a certification statement by the CEO of IOU Financial Inc. regarding the review and fair presentation of the interim financial report and interim MD&A for the period ended September 30, 2020. It is a Form 52-109FV2 Venture Issuer Basic Certificate, which is a certification of interim filings. The document does not contain actual financial data or substantive financial analysis but is an attestation of the accuracy and completeness of the interim filings. According to the Certification Rule, such certification documents should be classified as Regulatory Filings (RNS) rather than as the interim report itself (IR). The document length is short (3071 characters), and it is clearly a certification rather than the report or announcement of a report publication. Therefore, the correct classification is Regulatory Filings (RNS).
2020-11-23 English
52-109FV2 - Certification of interim filings - CFO (E).pdf
Regulatory Filings Classification · 100% confidence The document is a FORM 52-109FV2 Certification of Interim Filings by the CFO of IOU Financial Inc. It certifies the review and fair presentation of the interim financial report and interim MD&A for the period ended September 30, 2020. The document is primarily an officer certification letter, not containing actual financial statements or substantive financial data itself. According to the Certification Rule, such certification documents should be classified as Regulatory Filings (RNS) rather than as the interim report itself. The document length is 3032 characters, which is relatively short and consistent with a certification letter rather than a full interim report. Therefore, the correct classification is Regulatory Filings (RNS).
2020-11-23 English
Interim financial statements/report – English.pdf
Interim / Quarterly Report Classification · 100% confidence The document is titled 'Condensed Interim Consolidated Financial Statements' for the three and nine-month periods ended September 30, 2020 and 2019. It contains detailed financial statements including statements of financial position, comprehensive income, changes in shareholders' equity, cash flows, and extensive notes. The document is unaudited and explicitly states it is an interim report. The length is approximately 15,000 characters, indicating a full report rather than a brief announcement. The presence of actual financial data and analysis for a period shorter than a full fiscal year confirms it is an Interim / Quarterly Report. Therefore, the appropriate classification is 'IR'. 9M 2020
2020-11-23 English
Interim MD&A - English.pdf
Management Reports Classification · 95% confidence The document is titled 'Management’s Discussion and Analysis of Financial Condition and Results of Operations' (MD&A) for IOU Financial Inc. It includes detailed financial data for the three and nine-month periods ended September 30, 2020 and 2019, with extensive discussion of financial performance, loan originations, revenue, expenses, and the impact of COVID-19. The document is about 15,000 characters long, indicating it is a substantive report rather than a brief announcement. The presence of detailed financial analysis, management commentary, and forward-looking statements is characteristic of a Management Discussion and Analysis report. It is not an Annual Report (10-K) as it covers interim periods (quarterly and nine months), nor is it a simple earnings release or regulatory filing. Therefore, the document fits best into the Management Reports (MDA) category.
2020-11-23 English
News release - English.pdf
Earnings Release Classification · 95% confidence The document is a detailed announcement of IOU Financial Inc.'s third quarter 2020 financial results, including extensive financial data such as loan originations, revenue, expenses, net earnings, and outlook. It includes specific quarterly and nine-month period financial figures, adjustments, and comparisons to prior periods. The text also mentions that the financial statements and management discussion & analysis (MD&A) have been filed on SEDAR, indicating this document is a summary or press release of the quarterly results rather than the full report itself. Additionally, it announces a conference call to discuss the results. The document is too detailed to be a simple earnings release (ER) which typically contains only key highlights, but it does not contain the full financial statements or MD&A text itself, which would be required for an Interim/Quarterly Report (IR). Given the length and detail, it aligns best with an Earnings Release (ER) as it is the initial announcement of quarterly financial results with substantive financial data and analysis but not the full report. Therefore, the appropriate classification is ER with high confidence. Q3 2020
2020-11-23 English

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