OakNorth Credit Intelligence

What OakNorth Credit Intelligence does

OakNorth Credit Intelligence (ONCI) is a US-based, private SaaS subsidiary of OakNorth UK Ltd that provides a cloud-based commercial credit intelligence platform to commercial banks and credit unions in the United States. The platform combines borrower-level financial actuals, forward-looking forecasts, configurable alerts, and industry/geographic benchmarks in a single system purpose-built for commercial credit teams managing C&I and CRE portfolios, including construction and owner-occupied real estate following the October 2025 release. Underlying technology centers on proprietary borrower-level forecasting models built on 6-digit NAICS codes and metro-specific economic drivers, with proprietary frameworks for AI-driven credit disruption (AI Credit Impact, launched September 2025), climate risk (ON Climate, launched 2019), and configurable scenario engines supporting third-party macroeconomic inputs from Oxford Economics and Moody's.\n\nONCI sells exclusively through direct enterprise and inside sales motions targeting US commercial banks ranging from under $10B to over $500B in assets, with annual subscription contracts priced based on institution size, portfolio complexity, and selected modules. Named flagship customers include PNC (5+ year strategic relationship integrated into commercial credit scorecards and PD downgrade flagging) and Customers Bank (since 2019/2021, supported rapid PPP lending of 100,000+ loans and became the sixth most active PPP lender in the US); the platform was originally built to steer OakNorth Bank's own loan book and has been used internally since 2015. The company maintains a small team (11-50 employees), is SOC 1 Type 1/Type 2 certified, and operates from its US headquarters at 445 Park Avenue, Floor 8, New York, with parent entity OakNorth UK Ltd incorporated in the United Kingdom.

Name

OakNorth Credit Intelligence

Legal name

OakNorth Credit Intelligence

Website

https://onci.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

OakNorth Credit Intelligence (ONCI) is a US-based SaaS subsidiary of OakNorth UK Ltd that provides a cloud-based commercial credit intelligence platform — combining borrower-level forecasting, configurable alerts, and industry benchmarks — to US commercial banks and credit unions managing C&I and CRE portfolios.

Ownership category

akta.pro rank

Product category

Commercial Credit Intelligence Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Computer Processing & Data Preparation (7374), Finance Services (6199)

akta.pro primary industry

Credit Monitoring, Portfolio Analytics & Early Warning Systems (FSAGAHAJ)

Keywords

• Commercial credit intelligence
• Credit risk analytics
• Borrower forecasting software
• Portfolio monitoring platform
• Commercial lending SaaS

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. ON Credit Intelligence Suite Subscription: Cloud-based SaaS subscription for credit analysis, portfolio monitoring, and portfolio insights. Priced as enterprise software subscription with pricing based on institution size, portfolio complexity, and selected modules. Revenue is recurring from commercial banks and credit unions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

OakNorth Credit Intelligence (ONCI) is a cloud-based SaaS platform that provides forward-looking commercial credit analysis for banks and credit unions. It combines borrower-level financial forecasting, industry/geographic benchmarking, configurable alerts, and scenario analysis to support C&I and CRE portfolio monitoring, credit decision-making, and regulatory reporting.

Product overview

ONCI (OakNorth Credit Intelligence) is a unified commercial credit analysis platform from OakNorth Group. The core ONCI platform combines actuals, trends, forecasts, and benchmarks in one flexible product supporting both C&I (Commercial & Industrial) and CRE (Commercial Real Estate) lending. The platform includes modules such as AI Credit Impact (for AI-driven risk assessment) and ON Climate (for climate transition risk analysis). Prebuilt report templates and configurable alert systems enable credit teams to monitor borrower health, prioritize reviews, and act on early warning signals. The platform serves banks from under $10B to over $500B in assets.

Differentiator

Problem solved

Functional benefit

Brands

• AI Credit Impact: A framework that helps lenders identify which granular industries and borrowers are most exposed to AI-driven disruption, showing how financial performance is expected to evolve over a typical 3-5 year loan term. Built by ONCI and used by OakNorth Bank to inform live credit decisions.
• ON Climate

Products and services

• ONCI Credit Intelligence Platform A purpose-built commercial credit analysis platform combining actuals, trends, forecasts, and benchmarks in one flexible product. Supports both C&I and CRE portfolios with borrower-level forecasting, benchmark comparisons, configurable alerts, and RAG triage.
• AI Credit Impact A forward-looking framework that identifies which granular industries and borrowers are most exposed to AI-driven disruption, showing how generative AI is expected to influence borrower performance and industry resilience over the next 3-5 years.
• ON Climate Climate risk assessment module that allows commercial lenders to evaluate, measure and report on climate transition risk and financed emissions. Quantifies financed emissions, applies NGFS-aligned scenarios, and translates transition risk into borrower-level credit metrics. Supports TCFD and SEC alignment.
• ONCI PPP Loan Solution End-to-end PPP (Paycheck Protection Program) loan solution enabling lenders to retain control of key decision-making and risk-management processes while rapidly processing PPP loans. Deployed within 72 hours for Customers Bank.
• October 2025 Platform Release (Alerts with Workflow, Reports Built for Action, Smarter Reviews, CRE Investment Loan Support) Major platform release adding Alerts with Workflow tracking for risk signals, targeted borrower and portfolio reports, smarter review triage, and expanded support for CRE investment loans including construction loans and owner-occupied real estate.

Quantifiable outcome

• Reduces annual review time by up to 33% by enabling borrower prioritization based on forward risk signals
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature8 records

Partnerships

Two partnerships are on record, tiered flagship.

• Customers BankflagshipStrategic or Co-development Partner · 1 January 2019Strategic partnership where Customers Bank uses ONCI's credit intelligence platform for portfolio monitoring and credit risk management. Partnership enabled rapid PPP loan processing (100,000+ loans, sixth most active PPP lender in US) and proactive portfolio management during COVID-19. Customers Bank grew from $250M to $18B in assets over the prior decade by combining agility with technology partnerships.
• PNCflagshipStrategic or Co-development Partner · 1 January 2019Long-standing strategic partnership exceeding five years where PNC uses ONCI for credit risk modernization. ONCI deployed borrower-level financial forecasting to flag projected Probability of Default (PD) downgrades across multiple scenarios, integrated directly into PNC's commercial credit risk workflows and scorecards. Partnership represents strategic shift from reactive review cycles to always-on credit vigilance.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Moody's Analytics: Moody's Analytics offers enterprise-scale credit risk, portfolio analytics, and stress-testing solutions to global banks and insurers. It directly overlaps with ONCI's borrower-level forecasting, scenario analysis, and early-warning capabilities, but as part of a much broader ratings and analytics portfolio rather than a focused commercial-credit SaaS product.
• Bureau van Dijk (a Moody's company): Bureau van Dijk provides commercial credit data and private company financials globally, used heavily in commercial underwriting and KYC. It competes with ONCI's benchmarking and borrower-intelligence layer, though it focuses on data feeds rather than forward-looking borrower forecasting.
• FICO: FICO is a long-established credit scoring and analytics vendor, including commercial credit scores, fraud, and decisioning platforms. While primarily consumer-focused, FICO's commercial offerings (e.g., FICO Small Business Scoring Service) and decisioning software overlap with ONCI's commercial credit intelligence positioning.
• S&P Global Market Intelligence: S&P Global Market Intelligence (including S&P Capital IQ Pro) provides fundamental credit data, industry benchmarks, and risk analytics for commercial lending institutions. It competes with ONCI on industry benchmarking, financial data, and portfolio monitoring, with the advantage of a deeply entrenched enterprise installed base.
• nCino: nCino is a cloud banking platform with strong commercial loan origination, credit analysis, and portfolio monitoring capabilities. It overlaps with ONCI in commercial credit workflows and competes for the same budget line in US bank digital transformation initiatives.

Direct peers

• Trepp: Trepp is a leading provider of commercial real estate (CRE) data, analytics, and benchmarking, used extensively by US banks for CRE lending decisions. It directly overlaps with ONCI's newly expanded CRE investment loan support and benchmarking capabilities.
• LoanLogics: LoanLogics focuses on mortgage and commercial loan quality, data integrity, and analytics for US lenders. It addresses adjacent loan review and portfolio validation workflows that overlap with ONCI's loan review prioritization and portfolio monitoring capabilities.
• Abrigo: Abrigo is a credit risk and lending software provider specifically built for US community and regional banks, offering loan origination, credit risk, and portfolio analytics. It competes directly with ONCI for credit team workflows inside US commercial banks, especially in the under-$50B segment.
• Baker Hill: Baker Hill provides commercial loan origination, credit risk analytics, and portfolio management software for US banks. It overlaps with ONCI on commercial credit decisioning and portfolio analysis for community and mid-size banks.

Emerging players

• MeridianLink: MeridianLink provides a digital lending and account opening platform for banks and credit unions, including commercial loan origination and analytics. It competes with ONCI for embedded commercial credit workflows inside US financial institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@this-is-ONCI
• LinkedInlinkedin.com/company/oaknorth-credit-intelligence-suite
• Xx.com/oaknorth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OakNorth Credit Intelligence