Onyx Financial operates on a simple principle: financial inclusion must be sustainable, ethical, and transparent. To keep our platform running, expand our reach, and continue offering life‑changing microloans, we use a commission model that is fair to both borrowers and lenders.
Our commission structure is designed to support the ecosystem — not burden it.
To maintain the integrity and growth of the Onyx system, we apply:
This small fee helps cover:
Loan processing
Mobile disbursement
Risk assessment
Customer support
Financial literacy tools
The 2% fee is intentionally low to ensure that farmers and small businesses can access credit without falling into debt traps or predatory lending cycles.
This contribution supports:
Expansion of the microloan pool
Platform maintenance and security
Data infrastructure
Fraud prevention
Community outreach and training
Lenders benefit from a transparent, impact‑driven system — and their commission helps us reach more underserved communities.
Traditional financial systems often fail the people who need them most. High fees, hidden charges, and predatory interest rates keep millions locked out of opportunity.
Onyx Financial takes a different approach:
No hidden fees
No compounding interest traps
No surprise penalties
No exploitation
Our commissions are fixed, predictable, and designed to keep the system healthy while protecting the people who rely on it.
The 2% borrower commission is intentionally minimal. It ensures that farmers and small business owners can:
Access capital quickly
Grow their operations
Repay without stress
Build a real financial identity
We believe in empowerment, not exploitation.
The 5% lender commission is part of a shared‑responsibility model. Lenders who participate in Onyx are not just funding loans — they are fueling economic transformation.
Their contribution helps us:
Reach remote communities
Improve credit‑scoring models
Reduce default risk
Maintain a secure, scalable platform
This creates a cycle where everyone benefits.
Investors and philanthropic partners play a crucial role in strengthening our commission‑supported ecosystem.
Your contributions help:
Expand the loan pool
Reduce barriers for the poorest borrowers
Build financial literacy programs
Support local economies
Scale our infrastructure to new regions
Every dollar invested or donated creates ripple effects across entire communities.
If you are a farmer, merchant, or small business owner looking for support, our commission model ensures that you receive:
Fair access to credit
Transparent terms
No hidden costs
A repayment system that fits your daily life
We are committed to providing ethical, responsible financial services that help you grow.
Onyx Financial’s commission structure is not just a fee — it is a commitment to fairness, transparency, and long‑term sustainability. It ensures that our platform remains strong, our mission remains focused, and our community continues to thrive.
Whether you are borrowing, lending, investing, or donating, you are part of a financial system designed to uplift, empower, and transform lives.