Welcome to Oney Pro
Complete credit assessment platform. All your tools in one place, with shared data flowing through every step.
đ Financial Health Check
Start with a health assessment to determine if refinancing or restructuring makes sense.
đ Servicing Calculator
Jump straight to servicing analysis with MLL-adjusted income calculations.
đĸ Security Assessment
Evaluate commercial and residential security with zoning and LVR analysis.
đ Full Assessment
Run through the complete workflow and generate a credit summary.
đ§ Standalone Tools
đ Financial Health Check
Evaluate the borrower's overall financial position. Determine if their situation warrants immediate action, refinancing, or a longer-term plan.
đ Health Score Inputs
đĻ Assessment Result
đ Recommendation
đ¤ Borrower Profile
Analyze borrower characteristics and determine appropriate credit pathways.
đĸ Business Details (if applicable)
đ Credit Pathway Recommendation
đ¯ Loan Purpose Analysis
Understand the loan purpose and its implications for credit assessment.
đŧ Purpose Details
đĻ Purpose-Based Pathway
đ Security Assessment
Full property security analysis powered by Oney Security â zoning, LVR, environmental risk, lender matrix.
đ Servicing Analysis
Calculate debt serviceability with MLL-adjusted income and stress testing.
đ° Income Assessment
đ Stress Test
â Servicing Result
â ī¸ Other Credit Risks
Identify and document additional risks that may impact the credit decision.
đ Risk Categories
đ Credit History
đ Risk Mitigants
đ Credit Summary
Complete credit assessment summary with all findings and recommendations.
Generated Credit Paper
âī¸ Credit Decision
đ¤ Export Report
Export your credit assessment in various formats.