Run origination, underwriting, servicing, and syndication in one place
Stop entering the same data twice and managing different systems for different products. Everything lives in one platform that keeps the whole process connected.
Standardize credit policy across SBA, mortgage, and equipment finance
Keep your lending rules steady and use the same approval logic, payment structures, and loan terms without relying on memory or manual double-checks.
Reduce credit cycle time without increasing exception risk
Instead of passing files around for days, route them automatically to the right person. Flag exceptions clearly and approve qualified borrowers quickly.
Increase portfolio visibility at every stage
Monitor balances, payment performance, late accounts, and participant shares in real time. No pulling reports from three systems or reconciling numbers at the end of the month.
SBA lending
Mortgages
Equipment financing
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Keep applications organized and moving
Track every deal from intake to approval in one place. Collect documents, review credit, assign tasks, generate agreements, and collect signatures without chasing emails or spreadsheets.
See exactly where your money stands
Monitor active loans, payment schedules, balances, and overall exposure in real time. Spot slow pays, concentration risks, and performance trends without pulling reports from different systems.
Keep investors informed without extra admin work
Allocate shares, track investor positions, and automate reporting from one dashboard. Send updates and handle payouts without separate tracking sheets.
Stay on top of payments and issues
Track due dates, flag missed payments, manage payment plans, and document every conversation. Handle recoveries and defaults without building side processes outside the system.
Clear audit trails
Every approval, change, exception, and payment update is recorded inside the system. If someone asks why a loan was approved or how a deal was handled, you can show it.
Institutional-grade security
Role-based access controls, encrypted data, secure backups, and SOC 2 Type II certification help you meet internal IT and compliance standards.
Automated disclosure & documentation controls
Store documents, disclosures, and agreements in one place across all products. As rules change or requirements grow, your records stay structured and easy to access.
Infrastructure resilience & redundancy
Run on stable, redundant AWS cloud infrastructure built for uptime. If one location goes down, your system stays up.
“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.”