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!

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!

Have questions about hard money or DSCR financing?

Tell us a bit about your deal and we’ll get back to you quickly with next steps. If you’re ready, include the property address, purchase price (or current value), loan amount, and your timeline.

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.

© 2026 Onyx Capital Lending | NMLS #2123236 | Richard Morency NMLS #1987012 Licensed in 48 States. All loans are for business/investment purposes only. Onyx Capital Lending is not a consumer lender and does not offer personal residential mortgage loans. (401) 329-9904 | [email protected] Equal Housing Lender.