Add financing to your platform, without becoming the lender.
If your software already runs the contractors, retailers, or projects on your platform, financing belongs inside that flow, in your brand, not bolted on through a redirect. OneApp Finance lets you embed an application, route it across a lender panel you choose, and onboard the contractors who sell it, all on one soft pull. You stay software and a channel. The lenders on your panel stay the lenders. OneApp Finance is the engine underneath, not a network you plug into.
You are the channel, not the creditor
A platform serving contractors or retailers has the relationships and the point of sale, but offering financing usually means handing borrowers off to someone else's portal or becoming a lender you never wanted to be. OneApp Finance is built for the third option: run financing inside your own product, on a lender panel you own, while the obligation sits with the lender the borrower picks.
Financing in your flow, your brand on the screen
Sending borrowers to a partner's site loses the moment and the brand. Standing up your own lending license is a different business. OneApp Finance keeps you where you belong: the platform that presents the offer and governs the channel, with lenders you choose carrying the credit.
- You stay software and a channel. The platform never lends, never brokers, and never runs a marketplace of its own. The lenders on your panel are the lenders.
- More approvals for borrowers. One application reaches the lenders you select, so a borrower one lender can't serve still gets an offer instead of a dead end.
- White-label end to end. Every borrower and contractor screen, email, and offer wears your brand, not a network's.
- Your own panel, not someone else's network. You choose the lenders and own those relationships; they aren't shared with a network's other channels.
What stays yours
- Your brand on every screen
- Your lender panel and relationships
- Your contractors and your data
- Your placement and economics
- Software and channel, never the creditor
Run your own lender panel, on one soft pull
This is multi-lender routing, run by you. Take one application and one soft-pull consent and fan it out to the lenders you choose, in parallel for the most borrower choice or as a waterfall to honor first-look and tiered agreements. The borrower compares, picks, and the chosen lender becomes the creditor. Your panel, your order, your rules. OneApp Finance just provides the rails.
Parallel
Send one application to every lender on your panel at the same time. Offers come back together and the borrower picks the best one. The fastest path to an offer and the most choice.
Waterfall
Offer the application down your panel in the order you set, one lender at a time, until one approves. Honors first-look and tiered lender agreements you negotiate.
One soft pull
Routing runs on a single soft credit pull under one consent scope. The borrower shops without a ding to their score, however many lenders are on the panel.
Embed the parts you want, or go headless
A platform doesn't want a loan origination system bolted on beside its product. It wants financing inside the product it already ships. OneApp Finance is API-first and modular, so you embed an application by SDK or iframe in your own UI, or drive the whole flow from your front end and keep OneApp Finance entirely behind the scenes.
Embed, drop in, or take the headless API
The same Core flexes to how much of the experience you want to own. Start with a drop-in and move deeper as you go, on one contract the whole way.
- Embed by SDK or iframe. Drop the financing flow into your site or app in your brand, with the lender panel running underneath, and no full integration on day one.
- Go headless. Drive intake, decisioning, and offers from your own front end against the API, so borrowers never leave a screen you built.
- One Core behind all three. The same engine, panel, and rules sit behind a drop-in iframe and a fully headless build, so you can change adoption depth without re-platforming.
Built for integrators
- SDK and iframe embeds in your brand
- A headless REST API for full control
- Signed webhooks and events to react to
- A sandbox to build and test against
- One idempotent submit, no duplicate applications
Your integration team builds against the same public API, events, and webhooks the rest of the platform uses, with no private backdoor. See the developer surface →
Onboard and govern the contractors on your platform
Offering financing through contractors and retailers means governing who can sell it. Dealer Management is built to onboard each contractor, set what they can do, and keep the protections in place that stop a dealer from getting ahead of the homeowner or the work.
The controls that keep a financing channel clean
Onboard and govern each contractor
Bring contractors and retailers onto the platform, set their permissions, and govern what each can do per program. Roster, status, and limits live in one place, scoped to the right people.
The homeowner authorizes on their own device
The borrower verifies their own identity and signs in their own session. The contractor's rep gets a read-only waiting screen with no do-it-for-them control. 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 application is flagged and held. The system is built to hard-match against the dealer roster.
The fee is in the disclosed rate
The dealer fee is folded into the disclosed figures the homeowner sees, computed once and locked. Change the scope, term, payee, or rate and the agreement is voided and re-disclosed before more money moves.
These protections hold no matter which lender on your panel ends up funding. See Dealer Management →
Common questions
Do we become the lender?
Is it our brand or yours?
Whose lender panel is it?
Can we embed just the parts we want?
Put financing inside your platform, on your panel
Bring the lenders you work with and we will walk one application through your panel, embedded in your brand, offer by offer.