In 2005, our founders, Rishi Khosla and Joel Perlman, were running a thriving financial research firm called Copal Partners.
The business was profitable, with strong cash flow and long-term clients — but when they applied for a simple working capital loan, every major bank said no.
The problem wasn’t their business. The problem was that banks were looking only at past financials, not future potential.
That experience led them to build OakNorth Bank, launched in 2015 as one of the first new UK banks in over a century. OakNorth Bank proved that lending could be both faster and safer if you combined traditional financials with forward-looking, borrower-level intelligence.
The results speak for themselves: billions in loans originated, industry-leading efficiency, exceptional customer satisfaction, and repeat borrowers driving consistent growth.
But the mission didn’t stop there. To scale this capability beyond a single bank, they built ONCI (OakNorth Credit Intelligence) — the platform originally designed to help steer OakNorth Bank’s own loan book, and now used by leading commercial banks across the US.
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
