---
title: "OmniaIQ — Credit Pre-Qualification & Program Matching SaaS Case Study | Thrive Media"
description: "OmniaIQ: real-time credit pre-qualification platform. Name + phone + email in, full credit profile and program matches (business funding, mortgage, BNPL) out. Built by Thrive Media."
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      "url": "https://thrivemedia.co/portfolio/software/omniaiq",
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SaaS · Credit Intelligence / Fintech

# OmniaIQ

Real-time credit pre-qualification and outbound intelligence — name, phone, email in; full credit profile + program matches out

Built for: Business funding brokers, mortgage teams, lenders, and product sellers offering BNPL / payment plans TypeScript React Node.js PostgreSQL 

![Branded sign-in — 'Qualify every lead. Convert every opportunity.' SOC 2 aligned, FCRA compliant, bank-grade positioning built into the login experience.](/__l5e/assets-v1/4c302bca-7109-416d-916e-b50816473daa/login_page.JPG)

Overview

## What we built

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.

Tech stack

-   • TypeScript 
-   • React 
-   • Node.js 
-   • PostgreSQL 
-   • Credit bureau + identity resolution APIs 
-   • Proprietary approval/DNQ scoring engine 
-   • CaptureIQ pixel 
-   • OmniaIQ REST API 

Highlights

## Key capabilities

### 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.

Screenshots

## Inside the product

![Branded sign-in — 'Qualify every lead. Convert every opportunity.' SOC 2 aligned, FCRA compliant, bank-grade positioning built into the login experience.](/__l5e/assets-v1/4c302bca-7109-416d-916e-b50816473daa/login_page.JPG)

Branded sign-in — 'Qualify every lead. Convert every opportunity.' SOC 2 aligned, FCRA compliant, bank-grade positioning built into the login experience.

![Customer dashboard — real-time credit pre-qualification and outbound intelligence. Total Leads (113), Runs This Billing Period (8), Qualified (18), Disqualified (70), with a multi-series Lead Activity chart across OmniaIQ, CaptureIQ, Qualified, and Disqualified streams.](/__l5e/assets-v1/34b54d0d-3345-4b55-8b2c-c1456b3f2590/customer_dashboard.JPG)

Customer dashboard — real-time credit pre-qualification and outbound intelligence. Total Leads (113), Runs This Billing Period (8), Qualified (18), Disqualified (70), with a multi-series Lead Activity chart across OmniaIQ, CaptureIQ, Qualified, and Disqualified streams.

![My Leads — every credit pre-qualification from the OmniaIQ API and CaptureIQ pixel. Date, name, email, source, status (Approved / DNQ / Not available), and lender-grade credit score per lead, filterable by status and time.](/__l5e/assets-v1/974de703-d9ec-4c59-8f46-8a40d3b3dd1c/leads_view.JPG)

My Leads — every credit pre-qualification from the OmniaIQ API and CaptureIQ pixel. Date, name, email, source, status (Approved / DNQ / Not available), and lender-grade credit score per lead, filterable by status and time.

![Qualified lead — Overview tab. Business info, monthly revenue, funds requested, credit score (716), DTI (66%), credit access ($5K), unsecured debt ($4,604), monthly payments ($5,667/mo), personal ($102K) + household ($158K) income.](/__l5e/assets-v1/b1d75754-66f4-4188-a3e5-462a94823ae3/qualified_overview.JPG)

Qualified lead — Overview tab. Business info, monthly revenue, funds requested, credit score (716), DTI (66%), credit access ($5K), unsecured debt ($4,604), monthly payments ($5,667/mo), personal ($102K) + household ($158K) income.

![Qualified lead — Offers tab. Four program matches with tier decisions: Credit Stacking ($62K, 'If Fixed' with contingency), Line of Credit (Bronze Tier Qualified, up to $20K), Equipment Financing (Bronze Tier Qualified, up to $75K), SBA Loan (Bronze Tier Qualified, up to $40K).](/__l5e/assets-v1/d1c5a720-1f26-4b63-aeb7-2c17dd5c8faf/qualified_offers.JPG)

Qualified lead — Offers tab. Four program matches with tier decisions: Credit Stacking ($62K, 'If Fixed' with contingency), Line of Credit (Bronze Tier Qualified, up to $20K), Equipment Financing (Bronze Tier Qualified, up to $75K), SBA Loan (Bronze Tier Qualified, up to $40K).

![Qualified lead — Reports tab. Full credit report: score 716, alerts summary (0 public records, 0 collections, 6 inquiries, 0 late pays), and category-level tradelines (Revolving, Real Estate, LOC, Installment, Miscellaneous) with balances.](/__l5e/assets-v1/93c62d68-e9c5-4e30-8473-1163ab729fca/qualified_report.JPG)

Qualified lead — Reports tab. Full credit report: score 716, alerts summary (0 public records, 0 collections, 6 inquiries, 0 late pays), and category-level tradelines (Revolving, Real Estate, LOC, Installment, Miscellaneous) with balances.

![DNQ lead — Overview tab. Credit score 516, DTI 6%, credit access $0, unsecured debt $49,774, monthly payments $1,451/mo — the exact profile that would burn dials if a rep worked it manually.](/__l5e/assets-v1/c9316362-06d1-4703-a25f-57423231980d/dnq_overview.JPG)

DNQ lead — Overview tab. Credit score 516, DTI 6%, credit access $0, unsecured debt $49,774, monthly payments $1,451/mo — the exact profile that would burn dials if a rep worked it manually.

![DNQ lead — Offers tab. All four programs (Credit Stacking, LOC, Equipment Financing, SBA Loan) return Declined with amounts nulled out, so the sales team never wastes time on a stacked, unfundable applicant.](/__l5e/assets-v1/fd947cf2-312c-4e19-8810-42a2128d166c/dnq_offers.JPG)

DNQ lead — Offers tab. All four programs (Credit Stacking, LOC, Equipment Financing, SBA Loan) return Declined with amounts nulled out, so the sales team never wastes time on a stacked, unfundable applicant.

![DNQ lead — Reports tab. Full report exposes why: 6 open collections, 45 late pays in 2+ years, $66K unpaid collections, 90%+ revolving utilization, charged-off accounts, and 25 credit factors flagged.](/__l5e/assets-v1/c3231874-cd0a-499f-a4ac-17143a16047a/dnq_report.JPG)

DNQ lead — Reports tab. Full report exposes why: 6 open collections, 45 late pays in 2+ years, $66K unpaid collections, 90%+ revolving utilization, charged-off accounts, and 25 credit factors flagged.

## Building something like this?

OmniaIQ was built end-to-end by Thrive Media — product design, engineering, infrastructure, and hand-off. Free discovery call to scope yours.

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