Breakthrough Features

Decipher Credit transforms Loan Origination, Underwriting, and Compliance for Commercial Lenders.
Move past obstacles commercial lenders face every day by bringing in new prospects seamlessly, responding to them quickly, approving them efficiently, and applying powerful analytics, all in one place with our breakthrough technology. 

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  • Begin the customer experience the right way with easy, simple, all-digital, and painless applications for any number or type of financial products.

  • Provide a quick response to applicants before they go to other lenders.

  • Allow clients to apply directly from your web site 24/7 with your branding or have the option to send them a link to your digital application.

  • Capture all applicant information directly into our powerful underwriting platform.

  • Meet the needs of business owners by letting them apply from their phone, tablet, or any device from any convenient place.

  • Manage and track applications easily and with your entire team on the same page.

  • Allow applicants to save and submit applications later.

  • Move past fillable PDF applications, “Contact Me” forms, and manual processes that slow you down.

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TRANSFORM underwriting

  • Smart Dashboards allow you to get a quick underwriting snapshot of your prospects and underwriting pipeline.

  • Automatically run common credit checks, background checks, and access intelligent data you require directly, easily and in one place.

  • View analysis of all borrower information quickly, reveal red flags and issues immediately to minimize risk.

  • Search and file UCC's directly from our technology with less hassle.

  • Extract and analyze detailed applicant financials and connect to their Bank accounts and Accounting systems.

  • Manage and track missing information from applications in one click.

  • Store documents, agreements and information you require and auto populate applicant information for easy closing of deals.

  • View all underwriting information in one place.



  • Generate a Risk Profile for each client and quickly see areas of risk leading to easier decisions.

  • Apply common and specialized financial ratios and generate analysis and powerful reports for compliance.

  • Apply your unique risk and lending criteria every time.

  • Apply simple or highly complex lending criteria to your prospective borrowers.

  • Ensure underwriting compliance and consistency to every credit decision every time.

  • Detect fraud, minimize errors, and risk quickly and efficiently.

  • Provide necessary compliance documentation and automate alerts and reports to keep your departments working together.

  • Incorporate Electronic/Digital signatures into any agreements or closing documents.

  • Collaborate with team members from different departments easily.

  • Speed up loan decisions, avoid clients going to other lenders.

  • Stay ahead of the competition.

Comprehensive Lending Platform
Streamline loan origination to funding all in one friendly platform