A DSCR (Debt Service Coverage Ratio) loan qualifies you based on your rental property's income rather than your personal income. No W-2 or tax returns are required. If your property generates more rent than it costs to finance, you can qualify.

How fast can Onyx Capital Lending close a loan?

We can close most hard money and fix & flip loans in as little as 10 business days. Speed depends on the complexity of the deal and documentation turnaround.

Does Onyx Capital Lending lend in my state?

Yes. Onyx Capital Lending provides investment property loans in 48 states across the U.S.

What is the minimum credit score for a hard money loan?

Most of our programs require a minimum FICO score of 620. We evaluate the deal as a whole, not just the credit score.

Do I need tax returns to qualify?

No. For DSCR loans and most hard money programs, we do not require personal tax returns or W-2 income verification. The property's cash flow is the primary qualification factor.

A DSCR loan qualifies based on rental property income. No W-2 or tax returns required.

How fast can you close?

Most loans close in 10 business days.

What states do you lend in?

Onyx Capital Lending lends in 48 states.

What is the minimum credit score?

Most programs require 620 FICO minimum.

Do I need tax returns?

No. No personal tax returns or W-2 required for DSCR and hard money programs.

MEET RICHARD MORENCY

Founder | NMLS #1987012

Richard Morency, founder of Onyx Capital Lending, brings over a decade of expertise in private lending and real estate finance. Based in Providence, Rhode Island, he has successfully funded numerous investor loans nationwide, ranging from single-family renovations in New England to large multifamily acquisitions across the Sun Belt. Committed to swift, insightful decisions, Richard’s straightforward approach ensures smart investments and reliable support for clients. NMLS #1987012 | Licensed in 48 states

Why Choose Us

At Onyx Capital Lending, client trust is our highest honor.

We tirelessly secure the funding you need to turn your vision into reality.

Client Trust

LOANS SUCCESSFULLY CLOSED

15,000+

YEARS OF EXPERIENCE

10+

48 STATES LICENSED

50+

OUR REACH

WHY CHOOSE ONYX CAPITAL LENDING

Unlike traditional lenders, we specialize in serving real estate investors' unique needs.

How we stand apart:

✅ Majority of our loan programs require no tax returns

✅ No W-2 forms or employer verifications necessary

✅ Welcoming LLCs and other entities as borrowers

✅ Practical underwriting that focuses on the strength of your investment

✅ Direct lending without intermediaries or extra fees

✅ Funding available within 14 days in many cases

✅ Personal support from a dedicated loan officer through every step

We’ve supported investors rejected elsewhere—banks, private lenders, and brokers who didn’t grasp your asset's potential. Have a solid deal? We’ll find a way to fund it.

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OUR LOAN PROGRAMS

DSCR Loans Fix & Flip Loans Hard Money Loans

Bridge Loans Multifamily Loans Mixed-Use Loans

New Construction Foreign National Self Storage

Vacation Rentals Retail Properties Rural Properties

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HEADQUARTERED IN PROVIDENCE, RI — LENDING NATIONWIDE

Our office is based in Providence, Rhode Island, but we provide loans in 48 states. We understand your local market because we’ve lent there.

📍 22 Parsonage St, Providence, RI 02903

📞 (401) 329-9904

✉️ [email protected]

🔗 onyxcapitallending.com

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READY TO PARTNER WITH US?

Share your deal with us for a quick and transparent response.

Your Trusted Partner in Real Estate Financing

At Onyx Capital Lending, we support real estate investors, borrowers, and professionals

in both residential and commercial sectors, providing tailored funding solutions.

Our commitment is to help you achieve your financial objectives with confidence.

Flexible Loan Programs for Every Need

Choose from a variety of loan options tailored to fit your unique financial situation.

Reliable, Fast, and Easy Lending

Experience smooth loan processing with transparency and quick approvals.

Serving Clients Across 48 States

We proudly extend our lending services nationwide to meet diverse client needs.

Experienced Lending Professionals

Our expert team guides you through every step with personalized advice and support.

Competitive Low Interest Rates

We offer some of the best rates in the market designed to suit your financial goals.

Dedicated 24/7 Customer Support

Our team is always available to provide expert guidance and assistance whenever you need it.

Discover the Onyx Capital Lending Difference

Committed to funding real estate investors when banks say no.

Find the Right Loan for Your Deal

Asset-based hard money, DSCR, and fix & flip financing structured around your investment — not your W-2.

Track Your Deal in Real Time

Get real-time updates on your loan status so you're never left guessing before closing.

Close on Your Timeline

Apply online in minutes and close on the schedule your deal demands — not the bank's.

22 Parsonage Street
Providence, Rhode Island 02903, USA

Onyx Capital Lending NMLS #2123236 | Richard Morency NMLS #1987012. We specialize exclusively in business purpose loans with integrity and transparency. Proudly committed to Equal Housing Opportunity.

About Onyx Capital Lending