Runs in your own cloud
Built for home improvement
The lending platform you own
Own your
lending stack.
The home-improvement lending platform you license and run yourself. Run the whole thing, use only the parts you want, or just send applications to other lenders. Not a lender. Not a portal you rent.
A homeowner just applied
Instant
A-your model
✓ Approved
$18,500 · 36 months · 12.9% APR
$620 / mo
Priced to your card
✓
Long, steady credit history
✓
Low balances on existing cards
✓
No missed payments in two years
Every approval comes with the reasons, in plain language — ready for the borrower and for your files.
One platform, three ways to use it
However you want to lend, it's the same engine underneath.
Most platforms make you choose: take the whole thing, or build it yourself. OneApp lets you do either — or anything in between.
01
Run it
Launch a complete lending experience under your own brand — application, approval, signing and funding, all included. Turnkey.
Everything, your brand
02
Embed it
Already have a product? Add financing to it and keep your own look. Use the pieces you want and let OneApp handle the rest.
Your product, our engine
03
Route it
Pre-qualify a homeowner with a soft credit check, then keep the loan yourself or pass it to other lenders you choose.
Keep it or pass it onOne engine. Run the whole thing, use a few pieces, or just route — your call, loan by loan.
Use only what you want
Pick the steps you run. We'll handle the rest.
A loan moves through a handful of steps. Own the ones you care about and hand off the others — same flow either way. Tap any step to switch.
A home-improvement loan, step by step
You run it
OneApp runs it
01ApplicationYou run it
02Pre-qualifyOneApp
03Approve & priceYou run it
04Show the offerOneApp
05Sign documentsYou run it
06Verify the homeownerAlways OneApp
One step we always handle: confirming the homeowner is really the one applying — on their own phone, never the contractor's. It keeps everyone honest.
Keep it or pass it on
No good application has to walk away.
Pre-qualify with a soft credit check that doesn't ding the homeowner. Then it's your choice — fund it yourself, or send it to other lenders you trust.
ProjectRoof replacement
Pre-qualified✓ Soft check, no ding
Requested$24,500 · 12 yr
Try a homeowner
Keep it on your books
Prefer to fund the $24,500 yourself? Do it — the homeowner never leaves your brand.
Or send it down the line — to the lenders you choose
Routes to any lenders you configure — whether or not they run OneApp. Example only.
Made for home improvement
It already knows how home projects work.
Generic lending tools weren't built for contractors and remodels. OneApp was — so the things that trip other systems up just work.
Pay as the work gets done
Release money in stages as the project hits milestones — with a portion held back until it's finished. No giant lump sum on day one.
The homeowner signs off first
Before a contractor gets paid for a stage, the homeowner confirms the work is actually done. The contractor can't approve their own payment.
Plans change? Just adjust
When the scope grows mid-project, update the loan for the difference and re-sign — no starting a brand-new application from scratch.
Honest, clear pricing
Contractor fees are shown plainly and folded into the real rate the homeowner sees — the way the rules intend, and the way that keeps you out of trouble.
Built API-first
An API your engineers won't fight.
One clean API behind everything — send an application, get a decision, and choose what happens next. Modern auth, signed webhooks, a sandbox to test in.
Built to be trusted
The careful parts are handled — so you don't lie awake over them.
The right person, every time
Every homeowner is verified on their own phone before anything is signed or funded. The contractor can't stand in for them.
One credit model, no surprises
Your approval rules live in one place and never quietly drift. What approved a loan last month approves it the same way today.
A clear record of everything
Every approval, disclosure and signature is saved and time-stamped — so if anyone ever asks, you can show exactly what happened.
Your data stays yours
You run OneApp in your own cloud. Your borrowers' information sits with you, not pooled in with everyone else's.
Your stack. Your call.
Own your lending stack.
Run the whole thing · use a few pieces · or just route — your call, loan by loan.