Loan origination software
Fund more deals without adding more headcount
Onyx IQ uses AI to read every submission, build the deal, score it against your credit policy, and move it toward funding automatically. You get faster decisions, more funded deals, and more volume without adding manual work.
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Handle more submissions without adding a data-entry team
Onyx IQ's submission-intake AI reads every application and bank statement the moment it arrives and builds the deal record on its own. Your underwriters open a complete, structured file and start reviewing right away instead of waiting on someone to key it in.
Let ISOs keep submitting the way they already do
Your ISOs don't need to learn a new process. Whether a deal comes through email or a manual upload, Onyx IQ reads the documents and builds the record.
Two-way email
ISOs send deals to your submissions inbox as usual. The email and attachments land inside Onyx IQ automatically, and the submission-intake AI reads them into a deal record while your team replies without leaving the platform.
Manual upload
For deals that arrive another way, your team uploads the documents to a new file, and the submission-intake AI reads them and fills the application in seconds.
Automated loan origination that runs your credit policy on every deal
Onyx IQ turns your credit policy into rules and runs every submission through them in seconds, so your underwriting team makes faster, more consistent decisions without reviewing every file by hand.
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Deals that meet your rules move straight to an offer without using underwriter time.
Borderline deals go to your team for the judgment call.
Deals below your thresholds decline automatically, and the ISO is notified.
Your head of credit can change scorecards in a no-code editor, so new rules apply to the next submission without waiting on engineering.
See the Scorecard and Decisioning Engine
“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.”