Platform
One platform. Three ways to lend.
OneApp is the home-improvement lending platform you license and run yourself. Run the whole thing under your brand, embed only the pieces you want, or just route applications to other lenders. Same engine underneath — your call, loan by loan.
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 on
Run it
A whole lending business, under your name.
Stand up the full experience — the homeowner applies, gets a decision, signs, and gets funded — all in your brand, on software you control. No "powered by someone else."
- Your brand on every screen the homeowner sees
- Your credit rules and your rate card
- Runs in your own cloud — your data stays yours
- No multi-year build to get going
yourbrand.com / apply
Embed it
Add financing without rebuilding your product.
Keep your own experience and drop in only the parts you need. Own the steps you care about; hand off the rest. Same flow, same record, whoever runs each piece. See how the pieces fit →
- Take one piece or the whole flow
- Your design, your domain, your pixels
- Connect over a clean, modern API
- Go deeper over time — start simple, grow in
Who runs each step
01ApplicationYou
02Pre-qualifyOneApp
03OfferYou
04Sign & fundOneApp
Route it
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, whether or not they run OneApp.
- Soft check first — no credit-score impact to start
- Keep it on your own books, or pass it on
- Route to any lenders you choose
- Turn a "no" from one lender into a "yes" from another
Keep it yourselfFunded
First lenderOffer · 9.9%
Second lenderOffer · 14.4%
Third lenderNo offer
Example only.
Made for home improvement
It already knows how home projects work.
The things that trip up generic lending tools — staged payments, change orders, contractor fees — are built in.
Pay as the work gets done
Release money in stages as the project hits milestones, with a portion held back until it's finished.
The homeowner signs off first
The homeowner confirms a stage is done before the contractor gets paid for it.
Plans change? Just adjust
Update the loan for the difference and re-sign — no brand-new application.
Honest, clear pricing
Contractor fees are shown plainly and folded into the real rate the homeowner sees.
Your stack. Your call.
Own your lending stack.
Run the whole thing · use a few pieces · or just route — your call, loan by loan.