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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 2020-05-28 Regulatory Filings
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
52-109FV2 - Certification of interim filings - CFO (E).pdf
Regulatory Filings Classification · 100% confidence The document is a certification by the CFO of IOU Financial Inc. regarding the interim financial report and interim MD&A for the period ended March 31, 2020. It is a Form 52-109FV2, which is a certification of interim filings for a venture issuer. The text explicitly states it is a certification and does not contain the actual interim financial data or analysis, but rather attests to the accuracy and fair presentation of the interim filings. According to the CERTIFICATION RULE, documents that are primarily officer certifications or attestations, even if referencing interim reports, should be classified as Regulatory Filings (RNS) rather than as the interim report itself (IR). The document length is short (3023 characters), and it is clearly a certification form, not the interim report or MD&A itself.
2020-05-28 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 March 31, 2020. It is a Form 52-109FV2 Venture Issuer Basic Certificate, which is a regulatory certification of interim filings rather than the filings themselves. The document does not contain actual financial data or substantive financial analysis but is an attestation of the filings' accuracy. According to the Certification Rule, such officer certifications should be classified as Regulatory Filings (RNS) rather than as the interim report (IR) itself. The document length is short (3062 characters), consistent with a certification letter rather than a full report.
2020-05-28 English
52-109FV2 - Certification of interim filings - CFO (E).pdf
Regulatory Filings Classification · 100% confidence The document is a certification by the CFO of IOU Financial Inc. regarding the interim financial report and interim MD&A for the period ended March 31, 2020. It explicitly states it is a 'Venture Issuer Basic Certificate' under Form 52-109FV2, certifying the accuracy and fair presentation of the interim filings. The document does not contain actual financial data or substantive financial analysis but is a formal attestation of the filings. According to the Certification Rule, such officer certifications should be classified as Regulatory Filings (RNS), not as the interim report itself. The document length is short (3023 characters), and it is clearly a certification letter rather than the interim report or MD&A. Therefore, the correct classification is Regulatory Filings (RNS).
2020-05-28 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 and analysis for the three-month period ended March 31, 2020, including revenue, expenses, loan originations, and impacts of COVID-19. The text contains substantive financial data and management's explanation of business trends and outlook. The presence of detailed financial figures and management commentary indicates this is a Management Reports document rather than a brief announcement or a full annual report. It is not a certification, proxy, or regulatory filing. Therefore, the document fits the category of Management Reports (MDA).
2020-05-28 English
Interim MD&A - English.pdf
Management Reports Classification · 100% 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-month period ended March 31, 2020, with comparisons to 2019. The text contains comprehensive discussion of financial performance, loan originations, revenue, expenses, and impacts of COVID-19 on the business. The presence of actual financial figures, analysis of results, and forward-looking statements typical of MD&A sections confirms this is a Management Reports document. It is not an announcement or a brief summary, nor is it a full annual report or audit report. Therefore, the appropriate classification is Management Reports (MDA).
2020-05-28 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-month period ended March 31, 2020 and 2019. It contains detailed financial statements including the consolidated statements of financial position, comprehensive income, changes in shareholders' equity, cash flows, and notes to the financial statements. The document explicitly states it is unaudited and prepared under IFRS IAS 34 Interim Financial Reporting. The length is about 15,000 characters, indicating a full report rather than a brief announcement. The content and format clearly identify it as an interim or quarterly financial report, not an annual report or earnings release. Therefore, the appropriate classification is Interim / Quarterly Report (IR). Q1 2020
2020-05-28 English

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