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What are IOU Credit?


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In this episode of Money Creation Explained, we are going to cover What is IOU Credit?

IOU Notes is a peer-to-peer credit and loan platform that is not based on a person's traditional credit score (FICO), but rather on their IOU Credit Report and their ability to pay back others. Every user on the IOU Notes platform can decide who to give credit and/or lend to, how much and the terms (1- 24 months) and (0% - 5% interest rate).

The IOU Credit feature allows businesses to extend credit to other individuals and businesses. A business sets the credit limit for a user and then that user can receive credit to purchase goods and/or other services from that business. Payment is made at a later time to that business through userís IOU Notes Platform account prior to the agreed due date at the interest rate set by the parties. For illustration purposes, User A (John Doe) requests from User B (ABC Restaurant) an IOU Credit Request in the account by locating user (in this example User B - ABC Restaurant) that they want to request credit from and clicking on IOU Credit button. The IOU Notes platform next gets this request and sends an email to User (in this example User B - ABC Restaurant) and also notification gets placed into their IOU Notes platform account. The user will then be given access to view the other userís account profile, and IOU Credit report where they can decide if they should give that user (individual or business) credit and how much. The business can also set in their account for everyone or a case by case basis other parameters such if there is an interest rate and that rate and credit length term for each purchase.

With IOU Notes, small business are able to extend their own internal credit to other businesses and individuals with a central platform that not only records the transactions, what they are for, etc. but can also facilitate the moving of credit and repayments between the parties that can accessed through any Internet enabled device (cell phone, tablet, desktop computer, or laptop).

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