Who runs home-improvement lending on OneApp Finance.
OneApp Finance is the home-improvement loan-origination software that banks and credit unions, contractor and retail platforms, and fintech lenders run as their own. The reason to be here differs by who you are: pick the path that matches your business and we will show you the right operating model and the features that fit. OneApp Finance is software, not a lender, and not a redirect portal.
Three ways operators run on OneApp Finance
Each path starts from who you are and why home-improvement lending matters to your business, then points you to the operating model and the features built for your situation. Same Core underneath, configured to your program.
Banks & credit unions
For regulated institutions that want to put home-improvement loans on their own balance sheet, under their own brand and credit policy, with the exam evidence wired in.
Explore → Channels & networksContractor & retail platforms
For contractor networks, retailers, and platforms that want financing at the point of sale, routed to the lenders they choose, on their own brand and economics.
Explore → Digital-first lendersFintech lenders
For API-first lenders that want to launch and scale a home-improvement program fast, embed financing in partner flows, and own the credit model behind it.
Explore →Know how you want to run? Start there.
Where the persona pages describe who you are, the operating-model pages describe how the platform runs. Most operators land on one of these two, and you can turn the other on when you are ready.
Direct Lender
Run the whole journey yourself: your brand, your cloud, your credit model. Keep the loans that fit your box and route the rest when you want to.
Explore → Route the applicationMulti-Lender
Fan one application out to the lenders you choose, in parallel or as a waterfall, on a single soft pull. Your panel, your brand, your data.
Explore →Not sure which is which? See the three ways to connect →