ONCI puts your commercial credit data to work: combining borrower actuals, forward forecasts, trends, and benchmarks in one place.
No IT tickets. No rigid dashboards. Just a lightweight, flexible platform that helps you see where each borrower is heading and what it means for your portfolio.
From C&I to CRE, ONCI gives you a unified foundation for borrower intelligence.
Instead of working in silos, your teams can evaluate risk and opportunity across the full portfolio with consistent logic, comparable metrics, and centralized forecasts.
No more stitching together borrower data with disconnected tools or assumptions — ONCI aligns everything in one system.
Whether you're reviewing a manufacturing loan in C&I or a mixed-use development in CRE, the same platform applies.
Most CRE tools focus on stabilized, income-producing properties. ONCI goes further, supporting the full spectrum of CRE, including construction loans and owner-occupied real estate. That means you get forward visibility across your entire CRE book, not just a subset.
Forecasts through the full life of construction loans (often 3–5 years), not just completion or lease-up
Integrated modeling for owner-occupied properties, where business performance and real estate are intertwined
Geographic granularity across 700+ U.S. metro areas so location-specific risk actually shows up
ONCI brings it all into one system, modeled with the same borrower-level precision.
Forecasts for key borrower metrics like DSCR, EBITDA, revenue, margin, and leverage — built from borrower-level models using 6-digit NAICS codes and metro-specific economic drivers
Fully loaded macroeconomic scenarios: use ONCI defaults, third-party inputs, or upload your own.
Whether you're using Oxford, Moody’s, or in-house scenarios, ONCI applies them portfolio-wide with transparency.
Benchmarks across 370+ industries and 700+ metro areas — precise to each borrower’s industry and geography
Alerts tied to thresholds, triggers, and directional changes, with clear “why it matters” explanations
Exports at the borrower level, with red-amber-green flags and suggested next steps
Use-case specific report templates (e.g. early warnings, refinancing risk, concentration exposure)
ONCI mirrors your credit process, not someone else’s. Configure thresholds, tailor review logic, and explore borrower-level views using intuitive widgets and filters. Analysts triage risks and prep rationale. Credit Officers review, approve, and enforce policy with clarity. Every view is actionable — no extra modeling or memo writing needed.
Common use cases:
Spot early signs of borrower deterioration and trigger alerts for review
Streamline annual reviews by prioritizing higher-risk loans
Assess refinancing risk and maturity exposure under baseline or stress scenarios
Roll up borrower-level forecasts into a portfolio-level strategy view
Identify geographic, sector, or segment concentrations and test resilience
You don’t need perfect data to get started.
ONCI works with as little as 14 data points for C&I and 6 for CRE.
We use purpose-built diagnostic tool to help identify missing or inconsistent values in your dataset, delivering a clear report that helps improve data quality and unlock meaningful insight. Start with one use case or business line, then expand as your needs grow.
ONCI gives you the structured borrower data banks need to enable intelligent credit workflows.
Clean actuals, standardized forecasts, and industry-aligned benchmarks provide the foundation for advanced AI applications — from auto-generating credit memo summaries, to identifying emerging portfolio patterns, to testing challenger risk scoring models.
Whether you're experimenting with new tools or modernizing your infrastructure, ONCI helps you get your data ready for what comes next.
Upload spreadsheets, ingest exports from your internal tools, or feed in centralized loan data. ONCI adapts to your setup.
Outputs can be exported to Excel, pushed to downstream systems, or configured for internal reporting.
No black box.
No closed system.
Just flexible infrastructure that fits your workflow and works alongside your LOS, data warehouse, and Excel models — not against them.
ONCI
445 Park Avenue
Floor 6
New York, NY 10022
