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About Us
MEET RICHARD MORENCY
Founder | NMLS #1987012
Richard Morency is a Providence, Rhode Island-based private lender and real estate finance specialist with over a decade of experience funding investor loans across the country. As the founder of Onyx Capital Lending, Richard has personally overseen hundreds of millions of dollars in closed investor loans — from single-family fix-and-flips in New England to large multifamily acquisitions in the Sun Belt. He understands what investors need because he has spent his entire career in the trenches of investment real estate finance. Richard's approach is simple: understand the deal, move fast, and say yes when the numbers make sense. That philosophy has made Onyx Capital Lending one of the most trusted names in private investor lending. NMLS #1987012 | Licensed in 48 states
Our Achievements
Our greatest achievement is our clients' trust in us, and we don't rest until our clients receive
the funds. We offer the ultimate funding solution to finance your next project.
10,000+
LOANS FUNDED
10 +
YEARS IN BUSINESS
365 +
DAYS OPEN
48 +
STATES WE LEND IN
WHAT MAKES US DIFFERENT
Most lenders are built for consumers. We are built for investors.
That means:
✅ No tax returns required for most loan programs
✅ No W-2s or employer verification needed
✅ LLC and entity vesting welcome on all loans
✅ Common-sense underwriting — we evaluate the deal, not just the file
✅ Direct lender — no broker middlemen, no markup
✅ Close in as little as 14 days
✅ A dedicated loan officer from application through funding
We have funded deals for investors that were turned down by banks,
rejected by other private lenders, and written off by brokers who
didn't understand the asset. If you have a solid deal — we will
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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BASED IN PROVIDENCE, RI. LENDING EVERYWHERE.
Our team is headquartered in Providence, Rhode Island — but we fund
deals in 48 states. We know your market because we've lent in it.
📍 22 Parsonage St, Providence, RI 02903
📞 (401) 329-9904
🔗 onyxcapitallending.com
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READY TO WORK WITH US?
Tell us about your deal. We'll give you a fast, honest answer.
Large Call to Action Headline
Whether you are a real estate investor, a borrower, or involved in the real estate
residential and commercial world in any way, we can assist you with all your
funding needs.
Loan Programs for Every Need
Reliable, Quick and Easy
We Lend in 48 States
Team of Experts
Low Interest Rates
24/7 Support Services
Experience Our Worth
We continue to explore better ways to enable the American desire for financial flexibility.
Get the perfect mortgage
We make certain our customers have the information they need to get a mortgage that fits their detailed objectives.
Keep an eye on your mortgage 24/7.
You'll have the tools to constantly know what's going on with your funding and what we're dealing with.
Get back your time
Our online application process is quick and simple. You can even set your own time and location for closing.
Broker & Referral Partners
Copyright © 2025 www.onyxcapitallending.com | All rights reserved.
22 Parsonage St, Providence, RI 02903, USA
Onyx Capital Lending NMLS #2123236 | Richard Morency NMLS #1987012. Not a consumer mortgage lender. Business purpose loans only. Equal Housing Opportunity.