About Us

Technology built by lenders for lenders.


Decipher was founded in 2016. We set out to revolutionize commercial lending by offering a highly configurable and robust cloud-based solution that automates the entire lending process from start to funding. The idea for modernizing came out of necessity. Our team had been in the factoring and asset-based industry for over 20 years and realized that there was a better way to manage the entire process in a way that is secure, reduces risk and cost, increases compliance, and moves clients quickly along the approval process. Our solution was developed by lending and credit experts. Our platform was built by lenders for lenders. 



We value taking risks and reaching beyond boundaries to meet expectations.

passion (1)


We use our drive and commitment to energize, engage, and inspire others.



We operate with consistency, openness, and integrity in everything we do.



Our team is creative in solving problems for our clients and each other every day.

Executive Team

Raul Velarde CEO of Decipher

Raul Velarde, MBA

Chief Executive Officer


Raul Velarde is a seasoned corporate finance executive with more than 20 years in commercial lending. In addition, he has a background in information technology. He has taken his knowledge in the lending industry to revolutionize and streamline the lending process. Raul has held senior executive positions with CTF and Bibby Financial Services, among others.
Paula Claro Director of Marketing at Decipher

Paula Claro, MBA

Director of Marketing


Paula Claro is a senior professional with over 20 years of marketing and sales experience at several Fortune 500, technology, B2B, telecom and healthcare companies. She provides strategic direction, drives awareness, promotes thought-leadership, and generates market demand at Decipher.
Caroline Hartmann Advisor at Decipher

Caroline Hartmann, PhD, CPA

Senior Advisor


Dr. Caroline Hartmann has over 25 years of experience in the areas of accounting, auditing, finance and tax and serves as an Advisor to Decipher. She began her career in public accounting as an auditor at Arthur Andersen and Deloitte as a Senior Auditor. She has also served as Comptroller, Chief Financial Officer and Internal Auditor for several companies and banking institutions, including ABN-AMRO Bank.