Ship lending fast, keep your own front-end.
If you are a fintech that lends, or you are launching a lending product, OneApp Finance is the regulated origination engine you build on top of. Keep your borrower UX and your brand, drive everything through a public REST API, and let the Core run the compliant decisioning, consent, disclosure, and funding underneath. You own the instance and the data. OneApp Finance is software, not the lender.
Don't rebuild the regulated engine to get to launch
You can build your own loan origination system, and a year later you are still writing version-pinned decisioning, soft-pull consent scopes, staged disclosures, adverse-action handling, and an append-only audit trail before you have funded a single loan. OneApp Finance is built so you skip that and keep what makes you different: your borrower experience and your credit policy. The engine that has to hold up in an exam is already there, and you configure it rather than write it.
Buy the rails, build the experience
The undifferentiated heavy lifting, the part that is slow to build and dangerous to get wrong, is the compliant origination spine. The differentiated part is your product. OneApp Finance is designed to draw that line cleanly so your team ships the borrower UX and treats decisioning, consent, and funding as a configured engine behind your API.
- Skip the regulated build. Version-pinned decisioning, consent and disclosure, staged funding, and audit are built into the Core, not your backlog.
- Keep your differentiator. Your front-end, your credit policy, and your data model stay yours; the engine is operator-neutral by construction.
- Launch on a known floor. The platform is designed to hold a non-negotiable compliance floor underneath, so a program that omits a required gate cannot publish.
- No rip-and-replace later. You own the instance and the data, so you are never building toward a vendor you cannot leave.
Buy this
- Version-pinned decisioning and replay
- Soft-pull consent scopes and staged disclosures
- Adverse-action handling and append-only audit
- Staged funding with a completion holdback
Your front-end on the API, the Core runs the engine
OneApp Finance runs in three modes, and a fintech that owns its UX wants the headless one. You build the borrower experience on your own stack, in your own brand, and call the Core through the API for everything regulated: eligibility, the soft pull, decisioning, disclosures, e-sign, and staged funding. The reader never sees OneApp Finance, and you never inherit someone else's screens.
- Run it, embed it, or go headless. Take the whole flow, drop pieces into your app, or drive the engine entirely from your own front-end, per step.
- Per-step ownership. Decide which steps you render and which the Core owns, instead of an all-or-nothing UI.
- Your borrower UX stays intact. No redirect to a hosted page, no platform chrome on a consent or disclosure screen.
- One engine behind every mode. The same Core and the same rules run whether you go headless today and embed a piece tomorrow.
You own the front-end
- Your borrower UX, your brand, your stack
- Headless or embed, chosen per step
- The Core runs decisioning, consent, and funding
- No platform chrome on the borrower path
An integration your team will actually enjoy building against
There is no private backdoor: the head and the ops console use the same public REST API your team does. It is built for the way fintech teams ship, with OAuth2, signed webhooks, idempotency, and a sandbox, so you can wire up the engine, test it against real shapes, and move to production without surprises.
One contract
A public REST API behind OAuth2 with scoped tokens. Money and legal moves carry dedicated scopes; there is no consent:true shortcut anywhere.
Events you can trust
State changes arrive as signed webhooks so your front-end reacts to decisions, offers, and funding events without polling, and you can verify every payload.
Safe to retry
Idempotency keys mean a retry never creates a duplicate, and a sandbox lets you test full flows against real shapes before you go live.
The same contract every partner and every internal surface uses. Read the developer docs →
Launch programs, and change them, without engineering tickets
Speed to launch is not just the first deploy; it is every change after it. Config Studio is built so your team launches a program and then tunes products, rate cards, knockouts, tiers, limits, and stipulation rules as configuration, change-controlled and versioned, instead of filing engineering tickets and waiting on a release. Your engineers build the experience once; the program evolves without re-touching code.
- Launch without a build. Stand up products, rate cards, and workflows as configuration, not a code change.
- Change in place. Tune policy and pricing without a deploy, with author separate from activator.
- Versioned and provable. Every change is version-controlled, so a decision can be replayed under the exact policy that ran.
- Free your engineers. Your team stays on the borrower experience instead of program-config tickets.
No ticket required
- Products, rate cards, and workflows as config
- Knockouts, tiers, and limits you tune in place
- Author separate from activator, change-controlled
- Versioned for replay under the policy that ran
Your data, your instance, no lock-in
Single-tenant, in your own cloud
Each operator 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 pricing tier, so there is no shared database across operators.
Your data stays yours
The borrower data, the decisions, and the audit trail live in your instance. You are not renting a seat in someone else's marketplace, and your data is not pooled with anyone else's.
Operator-neutral by construction
Nothing ships pre-wired to a particular bank, bureau, servicer, or vendor. Your stack is configuration, never our defaults, so you are never building toward a lock you cannot undo.
OneApp Finance is software
You bring the capital and own the credit risk and the borrower relationship. The platform is the origination engine you run underneath. It is not the lender, not the broker, and not a marketplace.
See how single-tenant deployment works. Explore security →
Common questions
Can we keep our own borrower UX?
How fast can we launch?
Is it really our own data and instance?
Is OneApp Finance the lender?
Keep your UX, ship a compliant launch faster
Bring your front-end and your credit policy, and we will walk one application through the headless flow, API call by API call.