01
Asset-based collateralization
Every credit is secured against tangible, appraisable collateral. Conservative loan-to-value, real recourse, no unsecured exposure on the book.
Onix Finance — Private Lending & Investment
Houston · Est. 2018
Private capital, deployed with discipline.
Asset-based · Institutional standards · Bilingual ecosystem
Introduction
A deliberate firm,
not a platform.
Onix Finance, LLC was established in 2018 in Houston, Texas, as a privately held lender and premium financial firm. Every loan is collateralized against real assets; current loan-to-value sits at approximately 33%. Underwriting is run to the standards of an institutional desk rather than a marketplace.
Houston · Texas
Why Onix
Four convictions that shape every decision.
02
Institutional standards
SEC PPM framework for investment products, NMLS-applied lending, Texas Life Insurance license. Documentation, underwriting, and reporting run to institutional discipline.
03
Bilingual ecosystem
Cross-border families work with us in English and Spanish across banking, mortgage, insurance, tax, legal, and estate planning — one accountable point of contact.
04
Seven-year track record
Operating since 2018, through full credit and rate cycles. A firm built on referrals from the families and operators who already work with us.
Investments
Fixed-term private placements,
asset-collateralized.
Capital, working as quietly as the firm itself.
Onix issues fixed-term promissory notes to qualifying accredited investors under a Private Placement Memorandum framework. Capital is deployed into the firm's collateralized lending book; investors receive contractual interest payable on the schedule of the chosen term.
6 mo
Shortest term
60 mo
Longest term
~33%
Portfolio LTV
PPM
Reg D framework
Lending
Underwritten privately.
Collateralized always.
Four product lines for individual borrowers and commercial operators in Texas. Pricing and terms are set per file based on collateral, structure, and creditworthiness.