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Comprised of ONIX Finance® and ONIX Mortgage®, ONIX is one of Houston’s premier financial groups. ONIX provides alternative specialized financing and consulting services to individuals and businesses alike. Its products include personal loans, small to medium (SME) business loans, equipment leasing, auto loans, commercial mortgages, real estate development financing, and a vast range of consulting services. Since its inception in 2018, ONIX has strived to help its clients ---including entrepreneurs, households, small businesses, real estate developers and corporate executives--- maximize wealth and strengthen business presence both in the United States and abroad.
Products & Services
ONIX Finance
  • Consumer and Small Business Loans
    • Personal Loans
    • Bridge Loans
    • Transaction Loans
    • Small to Medium (SME) Business Loans
    • Auto Loans
    • Payday Loans
ONIX Mortgage
  • Real Estate
    • Commercial Mortgages
    • Rental Loans
    • Equipment Leasing
  • Funding for Investment Property
    • Hard money loans for all project sizes, ideal for home flipping novices or experienced professionals.
  • Financing for Commercial Projects
    • Fast and affordable loans to help you get your project done as quickly and efficiently as possible.

Notice to the Prospective Borrowers: All loans require your acknowledgement of the terms and conditions prior to entering into an agreement. It is imperative that borrowers understand the various terms of the loan being applied for, including interest rate, principal amount, term length, and fees. These factors, amongst others, are important in determining your ability to repay. Continuous use of payday loans over an extended time can be expensive and lead to indebtedness.

ONIX’s clients gain immediate access to ONIX’s vast network of contacts throughout numerous industries. These connections may address your specific needs, thereby maximizing efficiency and facilitating development of new business.
  • Business and Banking Consultants: Based on your needs, ONIX can help you or your company select the appropriate banker from a large pool of options in the state of Texas. In addition to guiding you through the process of opening a personal or business bank account, ONIX will also provide tips on building credit in the United States.
  • Insurance Consultants: ONIX gladly shares its insurance network with its clients. Clients may be paired with an insurance specialist partner to help understand insurance policies and select the most appropriate coverage.
  • Tax and Accounting Consultants: Don’t stress out over complicated tax issues. ONIX can introduce you to the most reputable tax and accounting professionals to help you achieve your personal or business goals.
  • Legal Support: We have the best legal partners in the following fields:
    • Bureaucratic Due Processes
    • Tax and Insurance
    • Bankruptcy
    • Intellectual Property
    • Corporate Governance
    • Legal Representation in the United States
  • Real Estate Consultants: ONIX’s network of realtors, brokerage firms, property managers, architects and contractors is fully available to help you or your company tackle any personal or business real estate obstacle.
  • Immigration Consultants: ONIX’s associates may help you address various immigration issues.
  • Property managers and maintenance: We connect you to our partners in real estate management and upkeep services.

ONIX proudly provides these services with no upfront or hidden fees, no pre-payment penalties, and no surprise costs. APPLY TODAY!

Working with ONIX is fast and easy. Our streamlined process consists of three quick steps:
  • Step 1:
    Contact us
  • Step 2:
    Submit paperwork and get approved
  • Step 3:
    Get your loan

No matter what type of loan or service you’re looking for, our team is on stand-by waiting to help you complete the application process in the blink of an eye.


  • What is the utility of a hard money loan?

    Hard money loans can be ideal for borrowers who wish to get started investing in real estate properties. Because the loan is asset-based, the property itself is used as collateral.

  • Are there any credit score requirements?

    There’s no minimum FICO score needed to qualify for our hard money loans.

  • What is the minimum investment?

    The minimum investment amount is $50,000 USD.

  • What is the minimum investment term?

    The minimum investment term is one (1) year.

  • Does ONIX offer its services in other areas of Texas?

    Yes. ONIX has customers throughout the Lone Star State, including Austin, San Antonio, and Dallas.

  • What if I’ve never flipped a house?

    No worries! ONIX works with property investors of all experience levels. Of course, applicants must meet ONIX’s qualification criteria.

  • What are my returns from investing with ONIX®?

    Investment in ONIX is capped at a percentage determined by a client’s initial investment amount. Any returns are in the form of principal due and payable at the end of the stated term of the loan agreement and promissory note.

  • How is my investment protected?

    All investments are secured by a loan agreement and a promissory note with ONIX®, granting an investor the abilities and limitations of a creditor.

  • Will this investment affect my credit?

    No; in fact, ONIX’s services may help you create and build a favorable credit history in the United States.

  • What are the risks involved?

    As with all investments, there is a potential for loss. In addition to market conditions, ONIX is subject to credit risk in its lending of capital through ONIX Finance and ONIX Mortgage. This investment is not registered under U.S. law or subject to the Investment Company Act of 1940. Additionally, there are restrictions on transfer of ownership and ability to divest.


The information made available on this site is for informational purposes only and does not verify a complete description of an investment product or investment performance. Discussion of investments does not constitution a solicitation nor an offer to sell securities nor any advice or recommendation regarding investing. The information provided on alternative investment products is not directed to any individual or entity who is not believed to qualify under the definition of an Accredited Investor under the rules of Regulation D of the 1933 Securities and Exchange Act. No security listed on this site or otherwise offered through ONIX is available to purchase without prior receipt of a complete Private Placement Memorandum or other official offers of sale.

ONIX’s alternative investment portfolio is the only type of alternative investment ONIX has offered, sold as private placements. Nothing on this site is representative or an indication of futures performance. Neither FINRA, the SEC or any other securities regulator has certified these securities as they are unregistered under U.S. law. Private securities transactions bear risk and illiquidity concerns regarding the lack of a secondary market for securities.

ONIX and its subsidiaries are committed to the United States Anti-Money Laundering laws (AML) and Anti-Fraud Laws. We work with strict protocols and government guidelines to prohibit and actively prevent money laundering and any pursuit that facilitates money laundering or the funding of terrorist or criminal activities by complying with all applicable requirements under the Bank Secrecy Act (BSA) and its implementing regulations. ONIX also complies with all applicable federal and state laws and regulations, self-regulatory organization (e.g., NASD) rules, and any other industry rulemaking authorities' rules regarding anti-money laundering.

Terms and Conditions Apply. ONIX RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must meet ONIX’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are typically reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and may depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. Rates and Terms are subject to change at any time without notice.

©2022 ONIX Finance, LLC. All rights reserved.

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