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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 2023-05-05 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
News release - English.pdf
Regulatory Filings
2023-05-05 English
News release - English.pdf
Regulatory Filings
2023-04-27 English
News release - English.pdf
Annual Report Classification · 95% confidence The document is a detailed announcement of financial results for the year and quarter ended December 31, 2022, including comprehensive financial data, management commentary, and outlook. It contains actual financial figures such as loan originations, revenues, expenses, net earnings, and adjusted earnings. The presence of full financial highlights and discussion of business performance indicates this is a comprehensive financial report rather than a brief earnings release or a simple announcement. The document also references filing of financial statements and management discussion & analysis on SEDAR, which supports that this is the official annual report. The length (15,000 characters) and depth of financial data confirm it is not a short announcement or a certification. Therefore, the document fits the definition of an Annual Report (10-K equivalent). FY 2022
2023-04-26 English
AB form 13-501F1 (class 1 and 3B reporting issuers - participation fee).pdf
Regulatory Filings Classification · 100% confidence The document is a Form 13-501F1, which is a management certification related to participation fees for reporting issuers, submitted to the Alberta Securities Commission. It includes officer certification by the CFO, Daniel O'Keefe, certifying the completeness and accuracy of the form. The document contains no financial statements or substantive financial data analysis but is primarily a regulatory form with certification. It is not an annual report, interim report, earnings release, or any other financial report type. It is a regulatory filing submitted to a securities commission with a management certification. Therefore, it fits best under Regulatory Filings (RNS).
2023-04-26 English
Audited annual financial statements – English.pdf
Audit Report / Information Classification · 100% confidence The document is an Independent Auditor's Report by KPMG LLP on the consolidated financial statements of IOU Financial Inc. for the years ended December 31, 2022 and 2021. It includes detailed audit opinion, basis for opinion, key audit matters, responsibilities of management and auditors, and references to consolidated financial statements including statements of financial position, profit or loss, changes in equity, cash flows, and notes. The presence of detailed financial statements and audit opinion indicates this is a standalone audit report rather than a full annual report or other filing. The document length is substantial (15,000 characters), and it contains actual financial data and audit details, not just an announcement or certification. Therefore, the appropriate classification is Audit Report / Information (AR). FY 2022
2023-04-26 English
ON form 13-502F1 (class 1 and 3B reporting issuers - participation fee).pdf
Regulatory Filings Classification · 95% confidence The document is a Form 13-502F1 related to participation fees for Class 1 and Class 3B reporting issuers, submitted to the Ontario Securities Commission. It includes a management certification by an officer, Daniel O'Keefe, certifying the completeness and accuracy of the form. The form details market values of securities over specified trading periods and calculates participation fees payable under OSC Rule 13-502 Fees. The document is a regulatory filing related to fee reporting and certification, not a financial report, earnings release, or management discussion. It is primarily a certification and fee calculation submission to a regulatory body, fitting the definition of Regulatory Filings (RNS).
2023-04-26 English

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