OmniaIQ

OmniaIQ turns three data points — name, phone, email — into a full lender-grade credit picture. The platform resolves identity, pulls a real credit report, and returns credit score, DTI, monthly payments, unsecured debt, credit access, income, and category-level tradeline detail in seconds.

On top of the raw data sits a proprietary qualification engine. Every contact is scored and routed as Qualified or DNQ, then matched to specific programs — Credit Stacking, Line of Credit, Equipment Financing, SBA Loan for business funding; mortgage programs by tier; and Buy Now Pay Later / payment plan eligibility for product sellers checking whether a customer qualifies at checkout.

Two ingestion surfaces feed the platform: the OmniaIQ API for direct lead submission and CaptureIQ, a website pixel that pre-qualifies traffic in real time. Every run consumes from a billing period allowance, and results stream to the dashboard with score, status, and offer tier.

Positioned for lenders, brokers, funding companies, mortgage teams, and product sellers who need to know — before spending a minute or a dial — whether a lead is fundable, mortgage-ready, or BNPL-eligible, and which program to route them to.

Name + phone + email → full credit profile

Resolve any lead to a real credit report: score, age, DTI, credit access, unsecured debt, monthly payments, personal + household income, tradelines, collections, inquiries, and late-pay history.

Approval / DNQ qualification engine

Proprietary algorithm scores each contact and returns Qualified or DNQ with a tiered rationale — Bronze/Silver/Gold-style tiering for approvals and clear decline reasoning on DNQs.

Business funding program matching

Auto-matches qualified applicants to Credit Stacking (unsecured 0% revolving lines), Line of Credit, Equipment Financing, and SBA Loan programs with amount ranges and contingencies pre-filled.

Mortgage + BNPL / payment plan qualification

Same engine powers mortgage pre-qualification and Buy Now Pay Later eligibility checks — so product sellers can approve or decline a customer for a payment plan at the point of sale in real time.

CaptureIQ pixel + OmniaIQ API

Two ingestion paths: drop the CaptureIQ pixel on any site to pre-qualify anonymous traffic, or hit the OmniaIQ API to score inbound leads directly from your funnel or CRM.

Lender-grade credit reporting UI

Every lead expands into Overview, Offers, and Reports tabs — full credit factors, category balances (revolving, real estate, LOC, installment), alerts summary, and per-offer tier + decline reasoning.

Live pipeline analytics

Dashboard tracks Total Leads, Runs This Billing Period, Qualified, and Disqualified with a multi-series Lead Activity chart (OmniaIQ, CaptureIQ, Qualified, Disqualified) across custom date ranges.

SOC 2 aligned, FCRA compliant, bank-grade

Built to the compliance bar the credit ecosystem requires — SOC 2 aligned, FCRA compliant, bank-grade infrastructure so lenders and marketers can plug in without a compliance rebuild.