Take decisions.
At light speed.

A next-gen rule engine that automates underwriting, creates instant offers, and eliminates 90% of manual work — without writing a single line of code.

Underwriting shouldn’t take days. Or hours. It should take seconds.

Scorecards turns every credit signal, every rule, every data point into instant, consistent decisions — built around your strategy, not rigid templates.

Built for funders and Lenders
Designed for scale. Made for teams that refuse to sit on the bench.

Underwriting shouldn’t take days. Or hours. It should take seconds.

Scorecards turns every credit signal, every rule, every data point into instant, consistent decisions — built around your strategy, not rigid templates.

Built for funders and Lenders
Designed for scale. Made for teams that refuse to sit on the bench.

Adaptive Rules

Create unlimited rule sets that evaluate FICO, credit & background, bank data, industry codes, risk signals, owner-level details, and more — all in real time.

→ Fewer overrides. Zero guesswork. Consistent decisions.

Instant Decisions

Automatically return “Approve,” “Decline,” or “Modified Terms” based on your risk logic.

→ Underwriting drops from hours to seconds.

Dynamic Offer Generation

Scorecards generate complete offers instantly — including buy rates, terms, fees, and payback.

→ No spreadsheets. No math errors. Just clean offers.

Risk-Based Modifiers

Automatically adjust pricing or terms based on risk tiers, industries, or thresholds.

→ Higher approval rates with lower risk.

Scenario Testing

Change one field — FICO, industry, owner — and watch Scorecards recalculate offers instantly.

→ Perfect for standardizing overrides and optimizing credit policy.

Speed That
Changes the Game

Underwrite in seconds instead of days.
Funders and lenders that delay automation will be left behind.

Consistency
You Can Trust

If FICO is X, industry is Y, debt is Z — Scorecards always returns the same logic. Your strategy, enforced automatically.

Fewer People.
More Output.

Teams using Onyx reduce manual workload by 90%. That’s how 20 people operate at the scale of 150.

Offers That
Sell Themselves

Instant recommendations. Dynamic pricing. Clear decline reasons. Perfect for brokers who want fast, accurate answers.

Built for Any
Lending Model

From MCA to term loans, SBA, and equipment leasing. Scorecards power the decisions lenders make today.