AI intake SOFTWARE for MCA & ALTERNATIVE LENDERS

AI intake that reads, builds, and routes every deal for you

When an ISO sends a deal, AI reads the application and the bank statements, understands the deal, and builds the file for you. It lands in your system with nothing typed in by hand, ready for the decision engine to approve, decline, or refer on its own.

Respond to ISOs before the merchant has another offer in hand
Clear the intake work off your team and put them on live deals
Capture every submission and reply in one place, not a personal inbox

Book a Walkthrough of AI Intake

Submission lands

An ISO emails your submissions address. The deal lands in Onyx IQ with every document attached.

AI builds the deal

AI reads the application and bank statements, understands the business and its positions, and builds the whole deal for you.

Ready for underwriting

The finished deal goes to your underwriting queue and into the decision engine, ready to approve, decline, or refer.

The cost of manual intake

Lending teams lose up to 40% of their time to manual data work, not deciding deals

Source: McKinsey & Company, 2024

You lose good paper

A deal that waits to be entered by hand is a deal the ISO keeps shopping. The merchant takes the first offer that lands.

Your team runs on data entry

When intake is manual, your team's time goes to moving documents between tools instead of working live deals.

ISOs route around slow shops

Brokers send their best paper to the funders who respond first. Every extra step at your front door is a reason to send the next deal elsewhere.

AI-powered intake

Your ISOs just email you, the AI does the rest

Your ISOs send deals the way they already do, straight to your submissions address. There's no new tool to learn and nothing changes on their end.

The moment the email lands, AI captures the deal, reads the documents, and builds the file, so a submission becomes a ready deal on its own. The whole ISO conversation stays attached to that deal.

This is where AI changes your operation the most. The front door runs itself, and your team only steps in when a deal needs real judgment.

Your ISO

Sends one email the same way they do today.

Onyx AI does the rest

Captures the deal Reads the documents Builds the file Routes to underwriting

What every file comes back with

Your underwriters open a complete file, built by AI

By the time a deal reaches review, the AI has already matched the merchant, read the money, and flagged the risk. Here's what is waiting on every submission.

Repeat merchants, matched

AI matches a new submission against your existing records, so a returning merchant is recognized on arrival. You run a live renewal or resubmission on the real client instead of building a new file.

The money, read for you

AI surfaces adjusted deposits after transfers, average daily ledger, ending balances, and negative days, so the real cash position is on the file before anyone opens it.

Stacking and positions

AI flags who is already debiting the merchant and how much each position pulls from deposits, so you can see whether the business can carry another advance before you spend time on it.

Later stips, auto-attached

When an ISO emails documents after the submission, AI attaches them to the right deal on its own, so the file stays complete without anyone matching paperwork by hand.

Fraud, flagged at intake

Turn on a fraud check and every submission gets a risk score as it comes in, so a questionable file is caught before it reaches an underwriter.

Straight into your rules

The built file runs through the decision engine on your terms: auto-approve the band you define, auto-decline under the FICO or over the position count you set, and refer the rest. See the decision engine →

One platform, one deal record

The deal AI builds at intake is the deal your whole team works

AI submission intake is the front door of Onyx IQ loan origination. Because intake, underwriting, and servicing share one record, the deal the AI builds flows straight into credit decisioning and funding. Nothing gets re-entered as the deal moves.

Two-way email native to Outlook and Gmail AI document reading on applications and bank statements Repeat-merchant matching and live renewals Existing positions surfaced from the file Straight into the decision engine

Before you switch

Moving intake to Onyx IQ is simple for you and invisible to your brokers

Do my ISOs have to change anything?

No. They email your submissions address exactly as they do today. There is no portal to log into and no new process to learn, so your broker relationships keep running without a single ask.

Will switching disrupt my funded deals?

No. We set Onyx IQ up alongside your current system and validate everything before cutover. Your funded deals keep servicing during the transition, so nothing in your live book is at risk.

How does this help me win more deals?

ISOs route their best paper to whoever answers first. When a submission becomes a ready deal the moment it lands, you get to an offer sooner and win more of the deals worth funding, without adding headcount to keep up.

See it on your own submissions

See how AI intake would run your submission flow

ISOs send their best paper to the funders who respond first. See how Onyx IQ gets a submission from an ISO email to a ready deal, without putting your live book at risk.

A walkthrough built around how your ISOs actually submit
See a real submission turn into a built deal
Pricing based on your volume, so you know what it would cost

Book your walkthrough

“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.”

FAQ

AI intake questions, answered

What is submission intake automation for MCA funders?

Submission intake automation captures a deal the moment an ISO sends it and turns it into a ready-to-work application, with no manual data entry. In Onyx IQ, the submission lands inside the platform with its documents, AI reads the application and bank statements and builds the deal, and it routes to underwriting on its own.

What does Onyx IQ's AI read from a submission?

Onyx IQ's AI reads the credit application and the bank statements and pulls the details that drive the decision: the business, adjusted deposits, average daily ledger, ending balances, negative days, and any existing positions debiting the merchant. It also matches the merchant against your existing records, so repeat submissions and renewals are recognized on arrival.

How do MCA funders automate deal intake from ISOs?

Funders automate ISO intake by giving brokers one submissions email that feeds the platform directly. When an ISO emails a deal to Onyx IQ, AI captures it, reads the documents, and builds the file automatically, so the deal reaches underwriting without anyone keying it in.

Can AI read bank statements and credit applications?

Yes. Onyx IQ's AI reads the credit application and the bank statements the moment a deal arrives and pulls the details into the deal, including the business, the revenue, and any existing positions. The file is built for you, with nothing entered by hand.

What does loan application software do?

Loan application software captures a merchant or borrower application and turns it into a structured deal a lender can work. Onyx IQ goes further: its AI reads the application and the supporting documents, builds the full deal, and carries it straight into underwriting and decisioning.

Do ISOs need a portal to submit deals to Onyx IQ?

No. ISOs submit by emailing your Onyx IQ submissions address, the same way they already send deals, so there is nothing new for them to learn. The AI takes the email from there and builds the deal inside the platform.

Does AI intake connect to underwriting and decisioning?

Yes. The deal AI builds at intake flows straight into the underwriting queue and the rule-based decision engine, so a submission can move from an ISO email to an approve, decline, or refer outcome, with no one rebuilding the file.