What is the minimum credit score you work with?

The minimum credit score required depends on the type of loan you’re applying for with Onyx Capital Lending:

Fix-and-Flip Loans:

• Minimum credit score: 620 (Lower scores may be considered with higher down payments or experience.)
• Higher scores (680+) may qualify for better interest rates and higher LTV financing.

Rental Loans (DSCR Loans):

• Minimum credit score: 660 (Some lenders may allow lower scores with compensating factors like higher rental income or larger down payments.)
• 700+ preferred for the best terms and lowest interest rates.

Bridge Loans:

• Minimum credit score: 620-640 (May vary based on deal structure and exit strategy.)

Exceptions & Alternative Options:

• Lower credit scores may still qualify with stronger property cash flow, experience, or additional assets.
• We focus more on the deal’s strength and loan-to-value (LTV) rather than just credit.

If you’re unsure about your credit eligibility, reach out, and our team will evaluate your best financing options!