Own & run your stack.
OneApp Finance is the home-improvement loan origination system you run as your own. Your brand, your cloud, your credit model. One spine takes a homeowner from the point of sale to a funded, boarded loan, and is built so a dealer can't take money before the work is done.
One application, end to end, under your control
This is the standalone path: your program runs the whole journey itself. An application comes in, your credit model decides it, the homeowner signs, and money goes out in stages as the work gets done, all on one origination spine you own. And it's only half of what the platform does. You can keep the loans that fit your box and route the rest to other lenders, with more on that just below.
Your LOS. Your brand. Your cloud.
OneApp Finance is licensed software you deploy and run as the lender. You bring the capital and bear the credit risk; the platform is the origination engine behind it. We are software, not a lender, and not a redirect portal, and the homeowner never sees our name.
- Your brand, everywhere a homeowner looks. Every borrower- and contractor-facing screen, email, sender, domain, and disclosure footer resolves to your brand. It is designed as a structural rule, not a setting. The only OneApp Finance mark on a borrower path is an optional, off-by-default attribution, never on a consent or disclosure screen.
- Your own cloud, your own database. Each lender gets a single, isolated instance deployed in your cloud or run for you as a managed single-tenant install. Physical isolation is the design, not a tier.
- One instance, many programs. Run home-improvement, solar, medical, or a channel partner as separate programs inside one instance, each with its own products, rate cards, workflows, models, brand skin, and channels.
- Origination, done right and handed off. OneApp Finance does origination only. It deliberately stops at the boarding handoff: it does not hold your loan ledger, post payments, or run collections. Those belong to your servicer, reached through an adapter.
What you get
- Your brand on every homeowner-facing surface
- A single-tenant instance, no shared database across lenders
- Many programs inside one instance you own
- A clean boarding handoff to your servicer
Your credit model, your rules, pinned and provable
Decisioning is yours to define. OneApp Finance runs your model over a frozen snapshot of the application, returns approve / decline / refer / counteroffer, prices the offer off your rate card, and records exactly what ran. Each decision is designed to be reconstructable years later under the rules that were in force at the time.
- Bring any model. Host a points-based scorecard, a PMML or ONNX model, or a remote scoring endpoint, all behind one uniform interface, all configuration rather than code.
- Version-pinning, so nothing drifts. Every decision binds the exact model and policy version that ran, plus a hashed snapshot of the inputs. A replay loads that version, never "latest." A tweaked cutoff is a new version, never an edit.
- Test before you ship. A challenger model can score the same applications in shadow without ever touching a borrower's decision, and a parity check gates promotion to production, so divergence shows up in your pipeline rather than as a surprise in front of a regulator.
- Configurable above a floor. You tune products, rate cards, knockouts, tiers, limits, and stipulation rules. The platform is designed to hold a non-negotiable safety floor underneath, so a program that omits a required gate cannot publish.
How it works
- Scorecard, PMML, ONNX, or a remote scoring endpoint
- Every decision pins the model and policy version that ran
- Champion / challenger shadow scoring with a parity check
- Tunable above a safety floor the platform is built to hold
Keep what fits your box. Route the rest.
Direct lending and routing aren't either/or; they're the same platform. Pre-qualify a homeowner once, fund the loans that fit your credit box on your own balance sheet, and for the ones that don't (over your limit, outside your risk appetite, or a product you don't carry) fan the application out to other lenders you choose. No good applicant has to walk, and the homeowner stays on your brand the whole way. Turn routing on when you're ready for it.
- Fund your box, route the overflow. Keep the loans you want and pass the rest, application by application, on rules you set.
- One front door, one soft pull. The same intake feeds both modes; the homeowner's credit is checked once, not once per lender.
- Your panel, your priority. Route to other lenders on OneApp Finance or any other system, in the order and on the criteria you choose.
- Still only software. OneApp Finance provides the rails; you (or your borrower) pick the lender. We never broker the loan or run a marketplace of our own.
One application, two outcomes
- Fits your box. You fund it on your own balance sheet and keep the loan and the relationship.
- Outside your box. Fan it out to the lenders on your panel and let the homeowner take the best offer back.
- One soft-pull consent covers the whole panel, so the homeowner's credit is pulled a single time.
- Your brand stays on the experience end to end, whoever ends up funding.
Take applications from any channel
Your program isn't limited to the leads you generate. Because OneApp Finance is API-first and modular, a contractor network, a retailer, a marketplace, or another platform's routing can start sending you applications quickly. Every partner meets the same standard intake, so opening a new channel is configuration, not a quarter-long build each time.
Hosted page
Share a branded application link or QR code. A partner can start sending you deals without writing a line of code.
Embedded
A small snippet drops your financing flow into a partner's site or app, in their brand, with your credit policy running underneath.
Full API
Channels post applications straight into your program through one standard intake API, with signed webhooks and a sandbox to test against.
Same engine and the same rules behind all three, and you can be a destination on other lenders' panels, not just a source. See the three ways to connect →
The protections homeowners deserve, wired in, not optional
The homeowner authorizes on their own device
The borrower verifies their own phone and identity and signs in their own session. The contractor's rep gets a read-only waiting screen with no do-it-for-them control. Holding a phone is not enough. The signature is designed to bind to the named applicant.
No contact substitution
If the contact offered as the homeowner's resolves to the contractor or one of its reps, the loan is flagged and held. The system is built to hard-match against the dealer's roster.
Staged draws with a holdback
Money is released in stages against project milestones, with a slice held back until completion is proven. Higher-risk dealers face stronger completion evidence; the homeowner always attests, and the contractor is never the sole proof.
The fee is in the real, disclosed rate
The dealer fee is folded into the disclosed loan figures the homeowner sees, computed once and locked. Change the scope, the term, the payee, or the rate and the signed agreement is voided and re-disclosed before any more money moves.
Software. Not a lender. Not a redirect portal.
You bring the capital and own the credit risk and the consumer relationship. OneApp Finance is the origination engine you run underneath your program, operator-neutral by construction, so your bank, your servicer, your rate card, and your vendors are all configuration, never our defaults.
How the direct path is built
Config Studio
Build and govern your programs, products, rate cards, workflows, and credit models, all change-controlled, versioned, author separate from activator.
Explore →Operations Portal
The tools each department uses to underwrite, fund, and service the pipeline, scoped to the right people by program and role.
Explore →Compliance
The safety floor underneath every program: the invariants, the four override tiers, and the append-only evidence the Core is built to re-perform itself.
Explore →See your program running on OneApp Finance
Walk the standalone path and multi-lender routing, keeping what fits and passing the rest, with your brand, your model, and your controls.