Commercial Finance Blog

Ideas, insights, and trends for commercial finance executives.

What Recent Bank Closings Mean for Factoring & Asset-Based Lending

Bryan Majano April 3, 2023

When banks start tightening lending, not only do they offload business loans that no longer fit their criteria but they may also be open to participations. Factoring as well as Asset-Based-Lenders can step in and participate on a piece of the deal. At the same time, higher Factoring and ABL fees resulting from increased interest rates can be another advantage of capturing small business loans banks can no longer hold on their books. This creates an opportunity of increased business for Factoring and ABL, and with such demand, lenders should leverage the right technology to…

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LenderTips-Economic Downturn

Tips to Surviving an Economic Downturn for Commercial Lenders

Veronica Velarde July 14, 2022

Recent instability in the market, rising inflation, and supply chain issues are creating an uncertain climate for commercial lenders and small business owners. Things may look ominous but there are key strategies to survive and even thrive during these changing times. There are great opportunities for commercial lenders when the market hits a downturn. Lenders have much to gain during tough times by diversifying their lending portfolio and leveraging technology. Adopting a cloud based loan underwriting system to cut down on costs, and investing in a loan origination system and borrower portal to capture more clients are key to adapting to leaner times.

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DecipherCredit_Ficoso

Decipher Integrates with First Corporate Solutions

Lisa Murphy May 3, 2022

Decipher Credit announced its API integration partnership with First Corporate Solutions, Inc. to help its users accelerate the capture and onboarding of new clients and perform due diligence instantly. Shared users will be able to perform UCC search and filing automatically directly from the Decipher origination and underwriting platform and benefit from trusted First Corporate Solutions services. The shared expertise in specialty lending and commitment to technology also make the partnership a clear win for both companies and their clients.

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Decipher-preferred-IFA-vendor

Decipher Chosen as Preferred IFA Vendor

Paula Claro September 7, 2021

Decipher Credit was selected as a preferred vendor for the International Factoring Association (IFA). The IFA is the leading organization representing factoring companies in the US and internationally. “We are excited to welcome Decipher into our preferred vendor program,” Bert Goldberg, executive director of the International Factoring Association, said. “We continue to grow the preferred vendor program with additional providers of high-quality services for our members.

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Economic Trends for Lenders: 2021 and Beyond

Veronica Velarde July 14, 2021

Key economic indicators predict unprecedented growth for the rest of 2021 and beyond. To add to this, an increase in small business lending demands, the rise in entrepreneurship and small businesses coupled with an increases in demand for digitalization look to create an unique climate for commercial lenders. Find out the key trends set to impact commercial lenders and how to best prepare for them and take advantage of the changing landscape.

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Competition-Freight-Factoring

What to Factor in to Stay Competitive in Freight Factoring

Veronica Velarde July 8, 2021

The competition in the freight factoring market is accelerating at a rapid rate. The strong and growing freight factoring market is drawing in lenders hungry for opportunity. Fast new loan origination and underwriting software and key technology innovations are changing the game by allowing lenders to take on new clients in record time and meet client demands for speed. Find out how you can stay ahead of the competition and make the most of this growing market.

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FixFlipTechnology

How Technology is Flipping Fix and Flip

Veronica Velarde June 24, 2021

Technology innovations have changed the face of real estate lending. Traditional lenders have been working with outdated LOS and underwriting systems slowing down loan origination, underwriting, closing and onboarding. Modern tools are Flipping the Fix and Flip market. Lenders now have the ability to easily access credit scores, financial histories, and even criminal records all via one convenient cloud-based software. 

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Decipher Partners with Salesforce and Launches New App in AppExchange

Jennifer Lobbe April 16, 2021

Decipher Credit announced it partnership with Salesforce to bring its loan origination, underwriting and monitoring capabilities to the Salesforce AppExchange, empowering customers to originate, approve and close loans in record time. The partnership with Salesforce will enable commercial lenders to improve efficiency and grow revenues through further automation.

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Decipher All-Digital SBA PPP Lender Application and Processing Technology

Decipher Enables All-Digital SBA PPP Lender Application and Automated Solution

Lisa Murphy April 8, 2020

SBA lenders have been working nonstop to help small businesses affected by COVID-19 get access to capital under the CARES Act signed into law last week for businesses via the Payroll Protection Program (PPP). Decipher’s team has been working around the clock and has developed an all-digital SBA PPP lender application and complete automated solution to process and approve businesses quickly.

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