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The only Factoring Origination System (FOS) that moves clients to approval in record time.

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Closing More Sales with Decipher's Factoring Origination System feels soooo good!

Decipher was built by factors with the latest features to help sales and underwriting work in sync, eliminate bottlenecks, and close more deals faster. 


  • All-digital applications
  • Workflow automation
  • Automatic tracking of pending items
  • Instant bank account verification
  • Salesforce sync & built-in CRM
  • AR/AP analytics
  • Automatic financial spreading
  • Document management with E-signature
  • Automated credit & background checks
  • Automated UCC search/file & tax monitoring
  • Advanced underwriting checklist

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