Automated spreading
AI-Powered Commercial Lending Platform
The AI-Powered Credit Platform Built for Modern Lending Teams
Originate, underwrite, and manage credit across the entire lifecycle. One unified platform with AI-powered automation and intelligent workflows.
From origination and underwriting through decisioning, credit reviews, and ongoing monitoring, Decipher connects every stage of the commercial credit lifecycle.
Statistics that show outcomes
34%
Higher Origination Capacity.
Process more applications with digital intake, document automation, and intelligent workflows.
65%
Faster Credit Decisions.
Accelerate credit decisions with automated analysis, centralized information, and more efficient workflows.
918K+
Credit Documents Processed.
Delivering AI-powered document intelligence across the complete credit lifecycle.
Decipher
Platform
Origination
Digital Intake
Create a seamless borrower experience with digital applications, intelligent document intake, identity verification, and CRM synchronization.
Explore OriginationUnderwriting
AI Credit Analysis
Transform documents into actionable credit insights with AI-powered analysis, financial spreading, cash flow analysis, and intelligent risk evaluation.
Explore UnderwritingDecisioning
Credit Decisioning
Standardize credit approvals with configurable policies, AI-generated credit memos, risk scorecards, collaborative reviews, and automated workflows.
Explore DecisioningMonitoring
Credit Monitoring & Reviews
Monitor borrower performance with credit reviews, document management, alerts, dashboards, reporting, and configurable workflows.
Explore MonitoringWho We Serve
Who We Serve
Decipher supports banks, bank-owned finance companies, and independent commercial lenders across working capital, asset-based lending, factoring, commercial real estate, government, and specialty lending markets.
Working Capital & Commercial Lending
- General
- Staffing
- Construction
- Oil & Gas
- Other Industries
- C&I Lending
- Term Loans
Real Estate Lending
- Commercial Real Estate (CRE)
- Fix & Flip
- DSCR
- New Construction
- Bridge Lending
- Construction Lending
Government & Specialty Lending
- Government Contractor Financing
- SBA Lending
- Nonprofit Lending
- Other Specialty Lending
Connect the Lending Workflow from Origination to Operations
Decipher integrates with the technology and data providers your team relies on across origination, underwriting, decisioning, and downstream operations—helping information move between systems and reducing manual work throughout the credit process.
Trusted by commercial Lending Teams
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions
See What Decipher Can Do for Your Credit Process
See how Decipher brings origination, underwriting, decisioning, and ongoing monitoring together around the way your team works.















