Decipher Credit

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.

Automated spreading

AI Credit Analysis

OriginateDigital Intake
UnderwriteAI Credit Analysis
CollaborateDecisioning
ManagePortfolio & Risk Intelligence
GrowOperational Analytics

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 Origination

Underwriting

AI Credit Analysis

Transform documents into actionable credit insights with AI-powered analysis, financial spreading, cash flow analysis, and intelligent risk evaluation.

Explore Underwriting

Decisioning

Credit Decisioning

Standardize credit approvals with configurable policies, AI-generated credit memos, risk scorecards, collaborative reviews, and automated workflows.

Explore Decisioning

Monitoring

Credit Monitoring & Reviews

Monitor borrower performance with credit reviews, document management, alerts, dashboards, reporting, and configurable workflows.

Explore Monitoring

Who 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.

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

“Working with the team at Decipher has been a pleasure. We have been able to customize our lending process to create a tailored platform for our company. The Decipher support team is extremely responsive and helpful and has made our transition from our old system an easy process. Wonderful service, wonderful product and we look forward to working with them for years to come.”

Lori G.VP of UnderwritingAsset-Based Lending & Factoring

“We shifted to an online application with Decipher several years ago and the onboarding process has been streamlined and improved beyond measure—both for our customers and for our internal onboarding staff. The Team at Decipher has always been extremely responsive and quick to resolve any issues we have or questions our customers have. A+ from us.”

Lisa S.Portfolio ManagerGovernment Contracting Finance

“Decipher has been our best kept secret. The analysis and intelligence we get from their platform has been a game changer and we've been able to move much quicker than competitors and reduce risks.”

Laura R.Chief Credit OfficerConstruction Finance

“Switching to Decipher Credit has streamlined our lending business. Processes that previously required hours now take only minutes. The platform automates underwriting reviews to provide immediate credit insights, which significantly reduces our processing time. Furthermore, the efficiency gains in generating legal documentation have accelerated our funding speed. Decipher Credit is a valuable tool for lenders looking to scale their operations.”

David L.Lending ExecutiveBank-owned Factoring & Asset-Based Lending

“Our 3 departments use Decipher to onboard and underwrite. Each department has different needs, a different financial product, and its own flow for clients, and we can do it all in one place. We've been partnering with them for years and will continue to do so. Their team listens and adjusts to our needs and not the other way around.”

Zach B.Sales ManagerFreight Factoring

“We needed an efficient way to close and monitor risky clients in one platform. Decipher has helped us do just that and we use it for spreads, analysis, credit memos, credit reviews, bank account analysis and monitoring, ticklers, and more. We're very happy with the service, the onboarding team, and the support has been outstanding.”

Jamie R.EVPC&I Lending

“We use Decipher for onboarding, underwriting and monitoring. They helped create a seamless flow from our Salesforce to underwriting and approval allowing our sales and credit teams to be in better sync. They also connect to our servicing system for end-to-end automation of our lending process.”

Sam N.Head of OriginationsCommercial Lending

“Using Decipher has streamlined processing, underwriting and onboarding and we've grown from $12 million to $50 million per month in closed loans. The platform delivers deep value.”

Sean H.CFOPrivate Lending

“We have a large volume of deals and Decipher is a great tool to pre-screen easier deals while more complex deals get routed to our credit team for deeper review. We love the analytics they provide, and it has substantially reduced the manual work our staff used to do.”

Aubrey B.SVP UnderwritingFactoring

FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

Decipher Credit is a standalone, AI-powered commercial credit platform for banks and non-bank commercial lenders. It supports origination, underwriting, decisioning, and ongoing credit monitoring in one configurable platform and can integrate with existing CRMs, data providers, accounting platforms as well as lending operations and servicing systems.

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.