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Automated decisioning
Define parameters for instant approvals and declines based on FICO, industry, or cash flow.
Consistent decisions
Every data point becomes instant, consistent decisions — built around your strategy.
Deploy your rules
Define approval rules and credit options, and refine them on the fly as your business evolves, without a single line of code.
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Scale origination with automation
Every submission that sits in an inbox is a deal at risk. Every handoff and manual credit pull is a chance for error and time your competitors aren't wasting. Set your rules, run the automation and within a few clicks you will have loan approvals or denies.
Codify your credit judgement
Your credit rules become executable logic. Your approval criteria become automated workflows. Your team stops processing and starts deciding.
Intelligent intake
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No gap between your inbox and your system
Receive files, reply to brokers, and create applications without switching tabs. Use OCR (Optical Character Recognition) to automatically fill forms from received documents.
Instant OCR scanning
Two-way email integration
Faster underwriting
Every data point into a single workspace
Pull credit reports and background checks directly within the workflow. Integrations provide real-time cash flow analysis and historical data, while internal payment history helps manage repeat borrowers. Once a deal is approved, agreements can be generated and signed inside the platform before moving to funding.
Embedded data pulls
Bank verifications
Internal history
“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.”