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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 2022-04-28 Annual Report
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
Annual report - English.pdf
Annual Report Classification · 100% confidence The document is titled 'Annual Report 2021' for IOU Financial Inc. It contains detailed sections typical of an annual report, including Management's Discussion and Analysis (MD&A), corporate information, management's report, and consolidated financial statements. The content includes comprehensive financial data for the year ended December 31, 2021, discussion of company strategy, financial performance, and outlook. The length is substantial (15,000 characters), indicating it is the full report rather than a brief announcement. There is no indication that this is merely a notice of report publication or a certification. Therefore, this document fits the definition of an Annual Report (10-K). FY 2021
2022-04-28 English
News release - English.pdf
Earnings Release Classification · 95% confidence The document is a detailed announcement of IOU Financial Inc.'s financial results for the year ended December 31, 2021. It includes comprehensive financial data such as loan originations, revenue, expenses, net earnings, and detailed financial highlights. The text references IFRS financial measures and adjusted non-IFRS financial measures, and it discusses the company's strategic plans and outlook. The document is lengthy (15,000 characters) and contains substantive financial data and analysis, not merely a brief summary or announcement of a report. It also mentions that the full financial statements and management discussion & analysis have been filed on SEDAR, indicating this document is the earnings release or financial results announcement itself rather than the full annual report. Given the focus on annual financial results and the detailed financial performance data, this document fits best as an Earnings Release (ER) rather than a full Annual Report (10-K) or Management Discussion & Analysis (MDA). FY 2021
2022-04-28 English
Other securityholders documents - English.pdf
Governance Information Classification · 100% confidence The document is a detailed by-law relating to the nomination of persons for election as directors of IOU Financial Inc. It outlines procedures, timelines, and requirements for shareholder nominations for board directors. It is a governance-related document focused on internal rules and processes for director nominations, not a report of financial results, voting outcomes, or management changes. There is no indication that this is an announcement of a report or a certification. The content fits the definition of Governance Information (CGR), which covers internal rules, board structure, and governance practices.
2022-04-27 English
Notice of the meeting and record date - French.pdf
AGM Information Classification · 95% confidence The document is a notification from Computershare, the agent for IOU Financial Inc., providing details about the upcoming Annual and Extraordinary General Meeting (AGM) of security holders. It includes dates for registration, voting, and the meeting itself, as well as procedural information about notification and access. The document does not contain financial data, management discussion, or detailed report content. It is an announcement related to the AGM, specifically informing authorities about the meeting logistics and shareholder voting rights. Given the content and length (1314 characters), this fits the category of AGM Information (AGM-R) rather than the actual Annual Report or other filings.
2022-03-28 English
Notice of the meeting and record date - English.pdf
Regulatory Filings Classification · 95% confidence The document is a letter from Computershare to Canadian Securities Regulatory Authorities regarding an upcoming Annual General and Special Meeting of IOU Financial Inc. It provides details about the meeting date, record dates, meeting type, and proxy material delivery. The document is short (1169 characters) and serves as a notification or announcement about the meeting logistics rather than the meeting materials or results themselves. It does not contain financial data, voting results, or detailed meeting content. Therefore, it is best classified as a Regulatory Filing (RNS) because it is a general regulatory announcement related to the meeting but not the meeting materials or results themselves.
2022-03-28 English
News release - English.pdf
Regulatory Filings
2022-03-22 English

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