Decipher Factoring Software

Transform Factoring with Decipher Credit’s automated origination and underwriting software.

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Problems We Solve for fACTORING COMPANIES

REDUCE DEAL COMPLEXITY

Deep optics into every deal even before term sheet and underwriting, allowing teams to only spend time on viable deals .

IMPROVE UNDERWRITING PROFITABILITY

Maximize profitability by reducing manual work and using AI to power deep analysis and improve credit decisions.

Enhanced Risk Assessment

Utilize automated spreading, accounts receivable and payables analysis, and risk scoring to close faster.

Improved Client Experience

Offer your prospects a smoother, faster, and more transparent credit approval process.

smarter ORIGINATION & CREDIT APPROVAL

Eliminate manual analysis and manual work with powerful factoring features.

Advanced Accounts Receivable Analysis, including ineligibles calculations, ineligibles rules, and inventory calculations.

AI-powered financial spreading from borrower accounting system or via uploaded Excel/PDF files.

Driver’s license validation complete with Selfie liveness detection to reduce fraud right from the start.

Customized scorecard using lender’s unique quantitative and qualitative criteria to help make better lending decisions.

Smart document management, including tracking, ticklers, agreement automation, disclosure automation, and built-in E-signature system.

AI-powered Credit Memo with deep insights to speed up the credit committee approval process. 

Scale & Grow with the right FACTORING software

In the fast-paced world of commercial lending, factors like you face unique challenges. You need to balance risk management with efficient credit approval processing, all while ensuring a positive experience for your clients from origination and underwriting to funding. That’s where Decipher Credit comes in with groundbreaking lending software designed for factoring to transform the entire lending process.

Why Choose Decipher Credit?

  • Customizable: Ability to adapt to your specific lending practices, lending risk, and client needs.
  • Powerful: Gives your origination, underwriting, and operations teams all the insights and tools needed to make better and faster credit decisions.
  • User-friendly: An intuitive interface for you and your clients.
  • Centralized System: Automate and manage end-to-end processes for cross-functional teams all in one digital platform.

Join the growing number of factoring companies who are transforming their commercial lending practices with Decipher Credit. It’s time to cut manual work, reduce costs, close deals more efficiently, and increase client satisfaction.

Contact us today for a demo and see the difference!

Frequently Asked Questions

Technology and automation are increasingly important in factoring, offering more efficient and effective ways to manage lending secured by accounts receivable. 
Here are some of the most commonly asked questions about factoring technology and software solutions.

Technology enhances factoring by providing a streamlined digital application process and more accurate and real-time analysis of client financials, receivables aging, and other assets as well as automating processes like loan origination, credit decisioning, and risk assessment, and improving the speed and efficiency of credit decisions.

Automation plays a crucial role in streamlining the lending process, reducing manual errors, speeding up loan processing, and enhancing borrower experience. It includes automated data collection, analysis, and reporting.

Technology specialized in factoring includes tools for better risk assessment by analyzing real-time data, financial health, and historical information. This helps in making informed lending decisions and in monitoring the health of the portfolio.

Yes, modern factoring systems are designed to integrate with other systems like CRMs, FMS, credit bureaus, accounting systems, UCC systems, bank accounts, and more for seamless data flow and improved operational efficiency.

Factoring technology typically includes advanced security features such as data encryption, secure access controls, and compliance with regulatory standards to protect sensitive financial information.

By streamlining the lending process, providing faster credit approvals, and offering transparent and real-time communication, factoring technology significantly improves the borrower experience.

The future of factoring technology is likely to see more advanced analytics, AI-driven analysis and decision-making processes, enhanced integration capabilities, and even greater automation to further improve efficiency and risk management.