--- title: "OmniaIQ for SMB Lenders — Stop Working Dead Leads" description: "Real-time credit pre-qualification for SMB lenders, ISOs and brokers. Soft pull, no SSN, full credit report — before your first dial." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://omniaiq.ai/#organization", "name": "OmniaIQ", "url": "https://omniaiq.ai", "logo": "https://omniaiq.ai/favicon.ico", "sameAs": [] }, { "@type": "WebSite", "@id": "https://omniaiq.ai/#website", "url": "https://omniaiq.ai", "name": "OmniaIQ", "publisher": { "@id": "https://omniaiq.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "Service", "name": "OmniaIQ for SMB Lenders", "description": "Real-time credit pre-qualification for SMB lenders, ISOs, and brokers. Soft pull, no SSN, full credit report before the first dial.", "url": "https://omniaiq.ai/smb-lenders", "provider": { "@id": "https://omniaiq.ai/#organization" }, "serviceType": "Business Loan Pre-Qualification", "areaServed": "US" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does this affect the lead's credit score?", "acceptedAnswer": { "@type": "Answer", "text": "No. OmniaIQ uses a soft credit pull only. It does not appear on the borrower's credit report and does not impact their score in any way." } }, { "@type": "Question", "name": "Do I need to replace my existing CRM or software?", "acceptedAnswer": { "@type": "Answer", "text": "No. OmniaIQ integrates into your existing workflow via API or webhook. Nothing gets replaced. Nothing gets disrupted." } }, { "@type": "Question", "name": "How fast are results returned?", "acceptedAnswer": { "@type": "Answer", "text": "Real time. Qualification results come back within seconds of submission." } }, { "@type": "Question", "name": "What information do I need to run a qualification?", "acceptedAnswer": { "@type": "Answer", "text": "Just a name, phone number, and email address. No SSN. No application." } }, { "@type": "Question", "name": "What's included in every pre-qualification?", "acceptedAnswer": { "@type": "Answer", "text": "Qualified or DNQ status, credit score, age, DTI, personal and household income, total unsecured debt, monthly obligations, loan type eligibility across Line of Credit, SBA, and MCA plus a full downloadable credit report at no additional cost." } } ] } ] --- [![OmniaIQ](/__l5e/assets-v1/152fdd9e-99a7-4ee5-90f9-623667af6e90/omnia-logo.png)](/) Product Solutions [Pricing](/pricing) [Login](https://app.omniaiq.ai)[Get Started](/pricing) For Business & Personal Loan Lenders # Your Sales Team Is Dialing Leads That Will Never Fund. OmniaIQ identifies which applicants are fundable — for business loans, personal loans, lines of credit, and unsecured or secured financing — before your rep picks up the phone. Just a name, phone, and email. [Schedule Demo ](/schedule-call)[Get Started ](/pricing) Soft pull only No SSN Zero score impact 4.9 · 240+ teams The Solution ## Pre-Qualification For Every Loan Product You Offer. Before your sales team touches a file, OmniaIQ runs a soft credit pre-qualification using just the applicant's name, phone, and email. **No hard** inquiry. **No SSN** required. Within seconds you know which applicants qualify for what — SBA, line of credit, MCA, equipment financing, unsecured personal loans, secured personal loans, or personal lines of credit — and which files were never going to fund. Qualified or DNQ in seconds No SSN required Soft pull only [Schedule Demo ](/schedule-call)[Get Started ](/pricing) 1.8s ### Financial qualification before the call Name Captured Phone Captured Email Captured Synced Leads Rules Routes Files Qualified 35 Review 12 DNQ 53 Marcus Reyes Qualified Route Amelia Kelley Qualified Route Rosa Palmer DNQ Nurture Jordan Miles Qualified Route The Verdict ## Hard data. Instant verdicts. Every applicant is triaged into Qualified or DNQ, with FICO, DTI, income, and spending power already mapped. Your closers only ever touch leads who can actually afford your service. Soft-pull FICO + unsecured debt load DTI and monthly-payment thresholds Automatic offer-tier stacking (LOC · SBA · MCA) DNQ reasoning surfaced for credit-repair handoff ![Small business owner in her boutique shop](/assets/verdict-smb-BLKF0SQB.jpg) Qualified AR Ava Rodriguez FICO 742 DTI 18% Income $184k Spending Power $27k Identity Verified Income Verified Debt Verified Soft-Pull Credit Offer ready Line of Credit $500k SBA Loan $350k Equipment Leasing $300k [Schedule Demo ](/schedule-call)[Get Started ](/pricing) How It Works ## Three Steps. Real Time. No Interruptions. 1 ### Connect in Minutes Plug OmniaIQ into your existing CRM or lead source via a simple integration. Nothing in your current workflow changes. Your team keeps working where they already work. No workflow change Plug & play Live in minutes Integration Active Lead Source OmniaIQ CRM Leads flow in automatically. No workflow change. 2 ### Every Lead Gets Screened Instantly Every lead is run through OmniaIQ's decision engine automatically. Soft pull. Real-time result. No SSN. No friction on the lead's end. Soft pull Real-time No SSN required Screening Live JD Jordan Davis Soft pull · No SSN Qualified FICO 742 DTI 31% Income $184k Verdict returned in under a second. 3 ### Your Reps Work Qualified Files Only Qualified leads arrive with a credit score, loan type eligibility, income data, and a full credit report already attached. Your reps know who to call and what to offer before they dial. Qualified only Routed cleanly Ready to quote Qualified queue Ready Jordan Davis SBA · $120k Qualified Alex Morgan DNQ — filtered out Reps see only files worth dialing. [Schedule Demo ](/schedule-call) What's Inside Every Pre-Qualification ## Everything a Lender Needs to Make a Decision. Included in Every Run. OmniaIQ provides you with a detailed credit report and a full pre-screening analysis for every file. ### Every lead is screened against all four loan types simultaneously. Submit a name, phone, and email. OmniaIQ s algorithm instantly evaluates the applicant's credit profile and returns a qualified or DNQ result for each loan category. Not just an overall score. A per-product decision. Name, phone, and email only. No SSN required. Results returned in real time Qualified or DNQ per loan type, not just overall Full Credit Report Included [Schedule Demo ](/schedule-call)[Get Started ](/pricing) Qualified #### Line of Credit Amount Up to $250K Qualified #### Equipment Leasing Amount Up to $350k Qualified #### SBA Loan Amount $500k Coming Soon #### MCA Loan Amount $150k Get Started ## Start Talking To More Fundable Leads. Schedule a free demo. We'll show you exactly where your funnel is bleeding, and what your numbers look like when dead demand stops reaching the sales floor. [Schedule Demo ](/schedule-call)[Get Started ](/pricing) ![OmniaIQ](/__l5e/assets-v1/5344b935-33db-4f6d-9634-494f52094646/omnia-logo-dark.png) The real-time credit intelligence layer for lenders, brokers, and lead providers. [support@omniaiq.ai](mailto:support@omniaiq.ai) #### Product - [Real-Time Qualification](/) - [Program Matching](/) - [Integrations](/integrations) - [Comparisons](/compare) #### Solutions - [SMB Lenders](/smb-lenders) - [SMB Lead Providers](/smb-lead-providers) - [Mortgage Lenders](/mortgage-lenders) - [Mortgage Lead Providers](/mortgage-lead-providers) #### Company - [Resources](/resources) - [Guides](/guides) - [Playbooks](/playbooks/smb-lender-lead-pre-qualification) - [Tools](/tools/cost-per-funded-loan-calculator) - [Blog](/blog) - [Research](/research) - [Glossary](/glossary) - [FAQ](/faq) - [Press](/press) - [Contact](/schedule-call) #### Legal - [Privacy](/privacy) - [Terms](/terms) - [Compliance](/terms) - [Security](/privacy) © 2026 Omnia Intelligence Group. All rights reserved. Web Design By [Thrive Media](https://thrivemedia.co) OmniaIQ pre-qualifications are soft credit pulls only. They do not impact the applicant's credit score and are not visible on their credit report.