Banks Said No. We Said Yes.
We've funded over $300M in real estate investor loans since 2016.
No tax returns. No W-2s. No red tape. Just fast capital for deals that make sense.
Get Pre-Approved today!
Onyx Capital Lending has successfully funded over $300 million in loan volume, supporting more than thousands of funded deals.
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READY. SET. GO.
Step 1
Let's Talk About Your Deal"
Whether you're buying your first investment property or closing your fiftieth, we want to hear about it. At Onyx Capital Lending, you talk directly to the decision-maker — not a call center, not a processor, not a bot. Richard Morency has been funding real estate investor loans since 2016 and can give you a real answer fast.
Call us, book a time that works for you, or start your pre-qualification online — whatever is easiest.
Step 2
Apply Now!
Get Pre-Approved today!
Step 3
Get Pre-Qualified
Once you submit, we move fast. You'll receive a loan offer within 24 hours — written in plain English, no hidden fees, no confusing fine print. We believe you should understand every term before you sign anything.
Step 4
Project Funded
Apply Now!
Get Pre-Approved today!
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Real Investors. Real Deals. Real Results.
Brandon Rodriguez
"Richard and the Onyx team closed my DSCR loan in 11 days when my bank said it would take 60. No tax returns, no hassle — just results. I've already sent 3 referrals.
Connor Lapointe
I've done 6 deals with Richard. Every single one closed on time, no surprises. His DSCR program is unmatched — no tax returns, just cash flow analysis. He's my first call on every new property."
Kevin Barber
Fix and flip financing done right. Onyx funded my $380K renovation in 5 days. Richard answered his phone on a Saturday to push it through. That's the difference between a good lender and a great one.
The Private Lender Built Exclusively for Real Estate Investors
Real estate investing doesn't fit a one-size-fits-all loan program — and neither does Onyx Capital Lending. We've spent a decade funding the deals that banks turn away: the distressed fix-and-flip that needs to close in 10 days, the DSCR rental that doesn't show income on paper, the multifamily value-add that isn't stabilized yet. Over $300 million funded. Thousands of deals closed. Investors in 48 states who keep coming back because we deliver. That's not a tagline — that's a track record..
Hard Money Loan
We provide Hard Money financing investment residential and commercial properties, including Single-Family Homes, Multi-Family Properties, Industrial Buildings, Warehouses, Mixed-Use Properties, Retail Space, Commercial Real Estate
Fix and Flip or Fix to Rent Loans
Fix-to-Rent or Fix-and-Flip – Onyx Capital Lending is Your Trusted Partner from Start to Finish! Whether you're flipping a property for profit or renovating a rental for long-term cash flow, we provide the financing and support you need to succeed.
Multifamily Loan
Onyx Capital Lending offers flexible financing solutions for investors looking to purchase or refinance 5+ unit properties or unlimited residential and commercial properties with short-term, long term or interest-only funding.
DSCR Loan
At Onyx Capital Lending, we offer short-term financing that allows you to leverage the equity in your existing property to secure a new investment opportunity.
Get Pre-Approved today!
