One workflow across the full cycle
Intake, decisioning, signed agreements, funding, servicing—every handoff happens inside the same system.
Decisioning you can keep consistent
Rules stay documented, changes stay traceable, and approvals are made automatically based on custom guardails for your business.
Visibility every step of the way
You can see what’s in motion, what’s stuck, and why to take immediate action.
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Loan system from
end to end
Origination
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Automation from intake to approval
Intake applications, get instant credit scorecards based on your rules, generate agreements, and move deals to funding faster — all with native Microsoft and Gmail integration, so you can control your whole origination workflow from one place.
What you get:
-
Instant credit scorecards
-
Automated intake
- Two-way email integration with Microsoft and Gmail
- Offer and terms handling tied to your credit rules
- Agreement generation and in-platform signatures
- Clear “why” behind an approval/decline.
Portfolio
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Real-time deal management
Easily manage your portfolio with a live view of each account, what changed, what’s due, what’s at risk, and who touched it last.
What you get:
-
Live, unique deal records
-
Status tracking your ops team can trust
-
Views that help you manage by exception (what needs attention today)
-
Reporting that doesn’t require “pull data, clean data, explain data”
Syndication
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The automated ledger
Keep allocations clear, participant details organized, and visibility of the full workflow.
What you get:
-
Participant management that stays tied to the deal
-
Investor Portal UI showing balance, deal list, and downloadable
statements -
Allocation and ownership visibility
-
Oversight views for what’s sold, retained, and pending
- Outputs that reduce back-and-forth with participants
Servicing & collections
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Control payments, issues, and recoveries
You want payments tracked cleanly, issues flagged early, and automated collections.
What you get:
-
Payment tracking
-
ACH management with centralized control, real-time status and built-in
redundancies -
Automated collections the moment a debit fails
-
Instant legal and recovery hand-offs, and default management
-
Refinancing within a few clicks
Merchant portal
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A cleaner way to run broker-led operations
Keep submissions organized, and manage broker activity without letting your process drift.
What you get:
-
Broker submissions and status visibility
-
A controlled handoff into origination
-
Broker management views
Integrations
Connected with the providers you already trust
Onyx is built to connect to the data sources and payment rails lenders use, so your team can make decisions with current information, then act on them.
What you get:
-
Data flowing where it’s needed (origination, monitoring, servicing)
-
Fewer manual pulls and uploads
-
Cleaner handoffs between modules
Automation from intake to approval
Intake applications, get instant credit scorecards based on your rules, generate agreements, and move deals to funding faster — all with native Microsoft and Gmail integration, so you can control your whole origination workflow from one place.
What you get:
-
Instant credit scorecards
-
Automated intake
- Two-way email integration with Microsoft and Gmail
- Offer and terms handling tied to your credit rules
- Agreement generation and in-platform signatures
- Clear “why” behind an approval/decline.
Real-time deal management
Easily manage your portfolio with a live view of each account, what changed, what’s due, what’s at risk, and who touched it last.
What you get:
-
Live, unique deal records
-
Status tracking your ops team can trust
-
Views that help you manage by exception (what needs attention today)
-
Reporting that doesn’t require “pull data, clean data, explain data”
The automated ledger
Keep allocations clear, participant details organized, and visibility of the full workflow.
What you get:
-
Participant management that stays tied to the deal
-
Investor Portal UI showing balance, deal list, and downloadable
statements -
Allocation and ownership visibility
-
Oversight views for what’s sold, retained, and pending
- Outputs that reduce back-and-forth with participants
Control payments, issues, and recoveries
You want payments tracked cleanly, issues flagged early, and automated collections.
What you get:
-
Payment tracking
-
ACH management with centralized control, real-time status and built-in
redundancies -
Automated collections the moment a debit fails
-
Instant legal and recovery hand-offs, and default management
-
Refinancing within a few clicks
A cleaner way to run broker-led operations
Keep submissions organized, and manage broker activity without letting your process drift.
What you get:
-
Broker submissions and status visibility
-
A controlled handoff into origination
-
Broker management views
Connected with the providers you already trust
Onyx is built to connect to the data sources and payment rails lenders use, so your team can make decisions with current information, then act on them.
What you get:
-
Data flowing where it’s needed (origination, monitoring, servicing)
-
Fewer manual pulls and uploads
-
Cleaner handoffs between modules
Role-based access so the right people see the right things
Audit trail so changes are explainable
Disclosures generated automatically
SOC 2 Type II
“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.”