Our Story

Decipher Credit Solutions set out to revolutionize commercial lending by offering the most robust digital lending technology that automates and streamlines loan origination, underwriting, and compliance. The idea for modernizing came out of necessity. Our team has been in the factoring and asset-based industry for many years and realized that there had to be a better way to manage the entire process in a way that is secure, reduces risk and cost, increases compliance, and moves borrowers quickly along the approval process. Our Decipher technology was developed by lending and credit experts. We've been lenders ourselves and think like lenders, which makes our technology uniquely suited to the lending industry. Our platform revolutionizes traditional lending and adds speed and friendliness to the loan origination and underwriting process, enabling traditional lenders to successfully utilize technology to their advantage, compete with other lenders, and provide a better customer experience.


Decipher Credit Solutions is a team of finance professionals and risk mitigation enthusiasts with more than 40 years of combined experience in finance, technology, and credit management. What sets us apart is our ability to service Factoring, Asset Based Lending, and Commercial Lenders with an insider’s point of view. Our solution is designed by lenders for lenders. Our team members have a diverse background and have successfully operated within the industries we serve. We use best industry practices coupled with our revolutionary software and business credit information to decipher customer portfolio risk and speed up the lending process so you can take on more customers.   

Management Team


Raul Velarde, MBA, founder of Decipher Credit Solutions, is a seasoned executive with more than 20 years in commercial lending, specifically in factoring and purchase order finance. In addition, he has a background in information technology and has developed unique expertise applying his technical knowledge to loan origination, underwriting, and compliance. He has taken his knowledge in the lending industry and applied an insider's point of view to revolutionize and streamline the lending decision process. Raul has held senior executive positions with Claro Finance and Bibby Financial Services, among others. In addition, Raul consults with various cutting edge FinTech companies. 

Meet Sandy

Sandy Skeens is our chief risk enthusiast and an experienced credit executive. For more than 20 years she has helped companies make better credit decisions and manage risk. She has a unique understanding of the challenges credit professionals, underwriters and business owners face every day when managing commercial credit risk.  In the past, she has held positions as CEO of ICC and Director of Sales and Marketing for MCB Business Credit Services, a technology company offering credit information solutions. 


Paula Claro, MBA, Marketing Director, provides strategic marketing direction, drives awareness, promotes thought-leadership, and generates market demand at Decipher Credit Solutions. Passionate professional with over 15 years of marketing and sales experience spanning diverse roles including corporate & product marketing, product management, quality assurance, implementation, events management, digital marketing, training and sales support, as well as public relations at various Fortune 500, technology, B2B, telecommunications and healthcare companies. 


Caroline Hartmann, PhD, CPA, Senior Advisor, has over 25 years of experience in Accounting and Finance. She began her career in the 1990's at Arthur Andersen and subsequently held Senior Auditor positions with ABN AMRO Bank and Deloitte & Touche.