Run the full lending cycle in
one automated system

Run origination, servicing, collections, and reporting in one automated system, specifically built for Merchant Cash Advance lenders.

  • Loan application to decision in minutes

  • Effortless loan syndication
  • Automated, rule-based servicing & collections
  • Fully synchronized underwriting logic, investor payouts, and recovery triggers

Speed, growth, oversight, and a clean record of every step.

Scale your lending operation

Transform your MCA system

Get full control over your entire lending cycle

Trusted by alternative lenders who run high-velocity, high-volume operations

Fix your broken MCA stack

Growth bottlenecks

  • Intake in one tool, servicing in another

  • Manual tracking of balances and payouts
  • No single source of truth for teams or investors
  • Funding and reporting are slowed by manual work
Funding Overview (1)-1

Speed wins deals

Use intelligent, rule-based automation to go from loan application to decision in minutes.

 

IN Overall Score Settings

Live portfolio visibility

Consolidate every step of your deals into a unified system. Monitor portfolio health with personalized dashboards that surface risks before they compound.

Onyx Application Dashboard
Syndication

Effortless syndication management

Scale capital without growing overhead. Automatically track investor allocations and payouts in a Unified Ledger that updates with every payment.

Loan servicing & collections that runs itself

Manage the entire capital lifecycle from a centralized ACH command center. Set instant triggers for recovery workflows the moment a debit fails.

Loan Servicing

Here's what alternative lenders have to say about Onyx

5 star rating

“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.” 

5 star rating

“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.” 

5 star rating

“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!” 

Quotation Marks

“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.” 

Quotation Marks

“Onyx IQ helped us streamline credit, ACH, and contract workflows into one system and made underwriting faster and more focused using the Scorecard.”

Quotation Marks

“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.” 

Quotation Marks

“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.” 

Decision Automation (1)

Grow your volume, not your team

  • Faster funding cycles

  • Less manual work across teams

  • Cleaner reporting for partners

  • Always audit-ready

See MCA Software Done Right

 

Request a demo