Automate your entire lending operation—from application to final collection
Fund 5X more loans with the same team with Onyx IQ. Built for alternative and commercial lenders who need
to move fast and stay in control.
faster underwriting
more deals funded with the same team
years’ operating experience
lenders served
Growing your book shouldn’t break your operation
Missed payments, inconsistent approvals, reports that don't match. Growth shouldn’t create that kind of risk—but it does.
Onyx IQ keeps underwriting, funding, collections, and reporting aligned—so growth strengthens your operation instead of stretching it.
Stop stitching tools together
Fund more deals without re-entering data, sending contracts through separate tools, or rebuilding reports.
Approve deals faster without lowering your standards
Your scorecards apply the same rules every time, contracts are signed inside the platform, and deals move straight to funding without manual handoffs.
Know exactly what’s happening in your portfolio at all times
You won’t need a separate system for underwriting, ACH portal, or investor management. From application to final payment, everything stays aligned.
Your credit policy, automatically enforced
Adjust FICO thresholds, update revenue minimums, change time-in-business requirements. Every deal follows the same standards automatically.
Built by people who’ve run funding companies
Onyx IQ was shaped by operators who’ve run funding companies. It understands how a lending business really works—because it was built by people who’ve run one.
Fund more deals without adding operational strain
Automate the manual steps between intake, underwriting, approval, and servicing. Route files automatically, trigger reviews based on your rules, and keep work moving without depending on memory or follow-ups. As volume increases, your process stays consistent.
Built for the way you lend
Whether you fund daily advances or commercial loans.
Alternative & MCA lenders
- High-volume submissions
- Daily or weekly remits
- Broker-driven pipeline
- Syndication & stacked positions
Commercial lenders & banks
- Structured term loans
- Lower volume, higher ticket sizes
- Credit policy & portfolio oversight
- Audit-ready reporting
Every loan stage, fully connected
Loan origination
Track every deal from intake to approval in one place. Collect documents, review credit, assign tasks, and move files forward with Outlook and Gmail built in to the platform.
Portfolio management
Track active deals, balances, renewals, payment health, and risk—live.
Syndication
Allocate shares, track positions, and keep capital partners informed—automatically.
Servicing & collections
Monitor debits, flag missed payments, adjust plans, and handle recoveries—without switching systems.
Automatically approve more deals faster without growing your underwriting team
Documents are imported automatically from PDFs and emails in seconds into the application.
Approvals and declines follow standardized scorecards instantly, so every deal is evaluated the same way.
Missed payments trigger built-in workflows—from retries to legal handoff—without manual chasing.
What lenders say after they switch to Onyx IQ
“We highly recommend it to any company looking to streamline their workflow, track payments and syndications, automate underwriting with every type of integration needed, and achieve better results.”
“The ONYX platform has taken my business to the next level of growth. The workflow of this software makes our process seamless. I would recommend ONYX to anyone.”
“I've been using Onyx for the past 7 months and the only thing I would say is SIMPLE!!! I love how easy it is to use and how user friendly it is. They are continuing to evolve with automations but funding functionalities are on point!”
“Onyx IQ gave us the structure and compliance framework we needed from day one, removing operational friction and elevating the professionalism of the business as we grew.”
“Onyx IQ helped us streamline credit, ACH, and contract workflows into one system and made underwriting faster and more focused using the Scorecard.”
“We’re handling more volume with the same team, funding more deals, and cutting underwriting time by roughly 30%. Everything now runs in one system instead of spreadsheets, and deals move without stalling.”
“Onyx IQ is reliable, easy to use, and backed by the most responsive support team we’ve worked with. When issues arise, they’re handled quickly.”
Scale your lending operation with structure and control
Whether you fund daily advances or structured commercial loans, your process should stay organized as you grow.