BEHAVIORAL INTENT DATA

    Behavioral Intent Data for Lenders

    Behavioral intent data is the set of signals a business produces — across browsing, transactional, operational, and contextual surfaces — that statistically precede a capital decision. This matters to lenders because by the time a borrower fills out a form, they are already shopping the open market and the file is being sold to four to eight desks at once. Omnia solves this by detecting capital-seeking behavior 30–90 days earlier, validating it against partner criteria, and delivering the file exclusively to one lender.

    TL;DR
    The short version.
    • 01Behavioral intent ≠ topical interest. It is decision-window behavior tied to a specific business.
    • 02Pre-intent identification gives lenders a 30–90 day head start on competitors.
    • 03Files are delivered ready-to-underwrite — not raw data feeds.
    • 04Revenue-share pricing aligns Omnia's incentives with funded outcomes.
    30–90
    day pre-intent window per file
    1:1
    behavioral signals tied to identifiable businesses
    0
    raw data feeds — every record is delivered as a file
    WHY OMNIA

    Pre-intent beats post-intent. Every time.

    Search and social platforms surface intent only after the borrower has already started shopping. By then the file is public, priced up, and being pitched by a dozen funders. Behavioral intent data moves you upstream — into the window where demand is forming but not yet visible to the market.

    VS. SEARCH INTENT

    Google captures the moment a borrower types a query. Omnia identifies the 30–90 days of behavior that lead to that query — before the search ever happens.

    VS. INTEREST DATA

    Facebook and TikTok capture passive interest in finance topics. Omnia captures decision-window behavior tied to a specific business — not a topical audience.

    VS. AGGREGATED LEAD LISTS

    Lists are static, recycled, and shared. Omnia data is continuously refreshed and tied to live behavioral patterns, then delivered exclusively as a file.

    VS. TRADITIONAL VENDORS

    Traditional vendors monetize the signal by selling the same record to many buyers. Omnia monetizes the signal through revenue share on funded outcomes.

    COMPARISON

    Pre-intent behavioral data vs. the rest of the stack.

    ATTRIBUTE
    SEARCH / SOCIAL / LIST DATA
    OMNIA BEHAVIORAL INTENT
    Signal type
    Topical interest, search clicks, form fills
    Pre-decision behavioral patterns tied to identifiable businesses
    Timing window
    Post-intent — at or after application
    Pre-intent — 30–90 days before application
    Resolution
    Audiences, segments, anonymous cohorts
    1:1 to a specific business identity
    Format
    Audience targeting, data feeds, list pulls
    Ready-to-underwrite submission files
    Refresh
    Snapshots, list dumps, batch updates
    Continuously monitored, live decision-window detection
    Compliance posture
    Variable — buyer carries most diligence
    Lawful, consented sources reviewed during onboarding
    FIT

    Who this is for — and who it isn't.

    Who this is for
    • Direct lenders and funding desks
    • ISO networks with defined buy boxes
    • Capital providers underwriting SMB risk at scale
    When this makes sense
    • You want exclusivity instead of competing for the same file
    • You want to reach borrowers before the market does
    • You're willing to define what a fundable file looks like
    When this does not make sense
    • You only buy aged or shared lists
    • You want raw data feeds rather than file-ready submissions
    • Your funnel cannot act on intent within days, not weeks
    BENEFITS

    What lender partners get when they work with Omnia.

    01

    30–90 day lead time

    Identify capital-seeking behavior 30–90 days before the borrower applies anywhere. You're first, not fifth — and you're the only desk in the conversation.

    02

    Tied to specific businesses

    Every signal resolves to an identifiable business — not an anonymous audience or topical segment. The file you receive is the business that's about to need capital.

    03

    Continuously refreshed

    Behavior is monitored continuously. Files reflect the live decision window, not a list snapshot from last quarter.

    04

    Delivered as files, not feeds

    You receive intent-verified, criteria-matched submission packages — not a CSV your team has to operationalize, segment, and dial through.

    BOOK A STRATEGY CALL

    See if Omnia is a fit for your desk.

    The partner program is selective. One call to walk through criteria, exclusivity, and revenue share — and decide if there's a fit.

    Book a Strategy Call
    FAQ

    Common questions.

    Short, direct answers to the questions partners ask first.

    01

    What is behavioral intent data?

    It's the pattern of signals a business produces before a capital decision becomes a public event — observed across digital and operational surfaces and tied back to identifiable businesses.

    02

    How is this different from intent data sold by other vendors?

    Most 'intent data' is topical interest at the company level. Omnia operates on pre-intent behavioral signals tied to specific businesses, then converts that into a file delivered exclusively to one lender.

    03

    Is the data compliant?

    Yes. Omnia uses lawful, consented data sources and operates within applicable U.S. data and lending compliance frameworks. Specifics are reviewed during partner onboarding.

    04

    Do I get raw data or files?

    Lenders receive files — intent-verified, criteria-matched submission packages. Raw data feeds are not the product.

    05

    How quickly do I need to act on a file?

    The pre-intent window has a shelf life. Most partners contact files within 24 hours of delivery to preserve the timing advantage.

    CONTINUE READING

    Related lender resources.

    See all FAQs →
    APPLY TO PARTNER

    Move upstream of the application.

    Behavioral pre-intent files don't exist on the open market. Book a strategy call to see how the timing advantage shows up in your unit economics.

    Book a Strategy CallSelective partner program · Revenue share