However, when they needed a working capital loan in 2005 to keep scaling, numerous traditional banks turned them down.
Their financials didn’t fit the mold.
Eventually, they secured funding from a special situations desk at an investment bank.
They scaled that business to 3,000 employees, ultimately acquired by Moody’s Corporation in 2014, returning over 200x for seed investors.
That experience stayed with them. It revealed how difficult it is for commercial lenders to support strong, but non-standard, borrowers — not because of bad judgment, but because of outdated tools.
They founded OakNorth Bank to serve that “missing middle”.
Businesses too nuanced for cookie-cutter scoring, but too proven to ignore. To do that well, they didn’t just build a new bank. They built new systems for credit: tools to track borrower actuals, project financials, spot early signs of risk, and steer strategy with confidence.
Those tools became the foundation of ONCI.
We’re not building from theory. We built a bank. We ran credit portfolios. We know the friction, the constraints, and the reality of lending in a regulated world.
That’s why ONCI supports both C&I and CRE in one system with borrower-level forecasts, benchmark comparisons, and user-defined thresholds to align to your credit policy. It’s why the platform is fully configurable, and designed ito work with your existing data.
Our team brings deep experience in commercial lending, enterprise technology, credit strategy, and data infrastructure. We’ve helped banks from under $10B to over $500B in assets modernize how they manage credit, without disrupting what makes them successful.
We believe credit teams deserve the same visibility and control that other parts of the bank take for granted.
We believe forward-looking insight beats backward-looking review.
We believe your data — actuals, forecasts, trends, and benchmarks — should live in one system, shaped around how your credit team works.
We believe technology should flex to fit your process, not the other way around.
We’re building the foundation for modern credit intelligence. That means more use cases, richer borrower insights, and a platform that grows as your needs evolve.
We’re here because credit is too important to be underserved. ONCI exists to put your credit team back in control — with clear visibility, structured data, and the confidence to act early.
ONCI
445 Park Avenue
Floor 6
New York, NY 10022
