Automated spreading
AI-Powered Commercial Lending Platform
The AI-Powered Credit Platform Built for Modern Lending Teams
Originate, underwrite, and manage credit across the entire lifecycle. One unified platform with AI-powered automation and intelligent workflows.
From origination and underwriting through decisioning, credit reviews, and ongoing monitoring, Decipher connects every stage of the commercial credit lifecycle.
OriginateDigital Intake
UnderwriteAI Credit Analysis
CollaborateDecisioning
ManagePortfolio & Risk Intelligence
GrowOperational Analytics
Statistics that show outcomes
34%
Higher Origination Capacity.
Process more applications with digital intake, document automation, and intelligent workflows.
65%
Faster Credit Decisions.
Accelerate credit decisions with automated analysis, centralized information, and more efficient workflows.
918K+
Credit Documents Processed.
Delivering AI-powered document intelligence across the complete credit lifecycle.
Decipher
Platform
Origination
Digital Intake
Create a seamless borrower experience with digital applications, intelligent document intake, identity verification, and CRM synchronization.
Explore OriginationUnderwriting
AI Credit Analysis
Transform documents into actionable credit insights with AI-powered analysis, financial spreading, cash flow analysis, and intelligent risk evaluation.
Explore UnderwritingDecisioning
Credit Decisioning
Standardize credit approvals with configurable policies, AI-generated credit memos, risk scorecards, collaborative reviews, and automated workflows.
Explore DecisioningMonitoring
Credit Monitoring & Reviews
Monitor borrower performance with credit reviews, document management, alerts, dashboards, reporting, and configurable workflows.
Explore Monitoring
Who We Serve
Who We Serve
Decipher supports banks, bank-owned finance companies, and independent commercial lenders across working capital, asset-based lending, factoring, commercial real estate, government, and specialty lending markets.
Working Capital & Commercial Lending
- General
- Staffing
- Construction
- Oil & Gas
- Other Industries
- C&I Lending
- Term Loans
Real Estate Lending
- Commercial Real Estate (CRE)
- Fix & Flip
- DSCR
- New Construction
- Bridge Lending
- Construction Lending
Government & Specialty Lending
- Government Contractor Financing
- SBA Lending
- Nonprofit Lending
- Other Specialty Lending
Connect the Lending Workflow from Origination to Operations
Decipher integrates with the technology and data providers your team relies on across origination, underwriting, decisioning, and downstream operations—helping information move between systems and reducing manual work throughout the credit process.
Trusted by commercial Lending Teams
“Working with the team at Decipher has been a pleasure. We have been able to customize our lending process to create a tailored platform for our company. The Decipher support team is extremely responsive and helpful and has made our transition from our old system an easy process. Wonderful service, wonderful product and we look forward to working with them for years to come.”
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions
Decipher Credit is a standalone, AI-powered commercial credit platform for banks and non-bank commercial lenders. It supports origination, underwriting, decisioning, and ongoing credit monitoring in one configurable platform and can integrate with existing CRMs, data providers, accounting platforms as well as lending operations and servicing systems.
Decipher supports banks, bank-owned finance companies, and independent commercial finance companies across asset-based lending, factoring, freight factoring, C&I lending, commercial real estate, private lending, government contractor financing, SBA lending, and other specialty lending programs. The platform can be configured around the information, analysis, approval, and monitoring requirements of different lending products and organizations.
Yes. Decipher includes CRM capabilities for lenders that want to manage opportunities directly within the platform, and it can also integrate with existing CRMs such as Salesforce or HubSpot. Lenders can also use APIs and other supported entry points to initiate applications and move information into the credit workflow. Decipher is designed to work with existing servicing, core lending, factoring, and other operating systems rather than requiring lenders to replace their entire technology stack.
Decipher uses AI to assist with document classification, data extraction, financial analysis, credit preparation, and other repetitive credit tasks. AI helps organize and surface information for lending teams, while experienced credit professionals remain responsible for underwriting judgment, recommendations, approval authority, and lending decisions.
Yes. Decipher is configurable so lenders can use different applications, document requirements, underwriting analysis, scorecards, approval workflows, and monitoring processes based on the lending product, borrower type, or internal credit policy. An ABL workflow, for example, can differ substantially from a factoring, C&I, or commercial real estate workflow.
Decipher supports the commercial credit lifecycle from origination through underwriting, decisioning, and ongoing monitoring. Opportunities can begin directly in Decipher, through a lender website, from an integrated CRM, through APIs, or other supported entry points, then move through a connected credit workflow from initial opportunity to ongoing credit management.
See What Decipher Can Do for Your Credit Process
See how Decipher brings origination, underwriting, decisioning, and ongoing monitoring together around the way your team works.