Built for the Way Commercial Lending Works Today.
Decipher combines deep commercial lending experience with modern technology to help banks and non-bank lenders reduce manual work, strengthen credit analysis, and create a more connected credit process.
Decipher Credit is a commercial origination technology platform for banks and non-bank lenders. It supports commercial loan origination, underwriting, credit decisioning, document automation, and ongoing credit management through configurable workflows, connected data, integrations, and AI-enabled analysis. Decipher can be used as a standalone platform or integrated with the systems lenders already use.
Built From Lending Experience. Designed to Keep Evolving.
Decipher was founded by commercial lending professionals who believed there was a better way to manage the complex, manual work behind commercial credit. The idea grew from problems they had experienced firsthand: information scattered across systems and inboxes, document-heavy underwriting, repetitive analysis, and disconnected processes from prospect through credit approval and ongoing management.
That experience gave Decipher its foundation, but it did not define its limits. Since then, the platform has continued to evolve alongside its clients and the commercial lending industry—expanding its technology, intelligence, integrations, automation, and user experience.
Today, Decipher brings lending expertise and modern technology together to help credit teams work with better information, greater consistency, and more capacity.
- Scattered information across systems
- Document-heavy underwriting
- Repetitive manual analysis
- Disconnected credit processes
A connected credit process with better information.
Connected Across the Credit Lifecycle. Flexible Within Your Process.
Decipher brings origination, underwriting, decisioning, document automation, and ongoing credit management into a more connected environment. Lenders can use Decipher as a standalone platform across the commercial credit lifecycle or integrate specific capabilities into the systems and processes they already use.
Origination
Capture applications, documents, and deal information through the channels your team uses.
Learn moreUnderwriting
Bring data, document analysis, and financial and credit analysis into a more consistent review.
Learn moreDecisioning
Coordinate lender-defined workflows, approvals, and credit documentation.
Learn moreMonitoring
Support ongoing credit reviews, document requirements, monitoring, and changes in borrower and risk information.
Learn more- Automation
- Connected data
- Integrations
- AI-enabled Analysis
Lending Expertise, Advanced by Modern Technology.
Decipher continues to invest in the automation, data connectivity, integrations, and user experience behind the platform. Modern automation and connected data help lenders reduce repetitive work, organize complex information, and move credit processes forward with greater visibility.
AI is one part of that evolution. Decipher applies AI where it can extract information from complex documents, accelerate analysis, and support commercial credit workflows—while keeping lender-defined policies and human credit judgment at the center of the process.
The objective is not automation for its own sake. It is to give lending teams more capacity, more consistent information, and more time for the judgment that commercial credit requires.
Document → Analysis → Workflow
Document Extraction
Complex documents → structured dataCredit Analysis
Accelerated, consistent reviewWorkflow Intelligence
Lender-defined policies preservedHuman credit judgment remains at the center of the process.
Designed Around the Realities of Commercial Credit.
Decipher grew out of firsthand experience in factoring, asset-based lending, and commercial finance. That firsthand understanding of complex credit, documentation, collateral, policy, and lender judgment continues to shape how the platform is built.
Today, Decipher supports banks, bank-owned finance companies, independent commercial finance companies, factoring companies, asset-based lenders, private lenders, commercial real estate lenders, and other specialty and commercial lending organizations. Decipher was built specifically for commercial credit—not adapted from generic workflow software. Its workflows, analysis, controls, and flexibility are designed around the way commercial credit teams actually work.
Who Decipher Serves
How We Build Lending Technology.
Experience Behind the Platform.
Decipher is led by professionals with experience across commercial lending, technology, finance, accounting, and B2B growth. That combination shapes both the platform and how Decipher works with lending organizations.
Raul combines more than 20 years of commercial lending experience with a background in information technology. His firsthand experience leading commercial finance organizations shaped Decipher's approach to bringing lending expertise, technology, and automation together. He has held senior executive positions with CTF and Bibby Financial Services, among others.
Paula brings more than 20 years of marketing and sales experience across technology, B2B, telecommunications, healthcare, and Fortune 500 organizations. She leads Decipher's market positioning, communications, thought leadership, and demand-generation strategy.
Caroline brings more than 25 years of experience across accounting, auditing, finance, and tax. Her background includes public accounting with Arthur Andersen and Deloitte and senior financial roles, including experience with ABN-AMRO Bank.
Designed to Work With the Technology Lenders Already Use.
Decipher connects with CRMs, bank-data providers, business credit bureaus, accounting platforms, identity and background verification services, lien and UCC platforms, electronic signature tools, and lending operations systems through native integrations, APIs, and webhooks. These connections help information move more efficiently across the commercial credit process without requiring lenders to replace the systems they already rely on.
Security Designed for Commercial Lending.
Decipher is built with security-focused infrastructure, controlled access and permissions, and visibility to support the needs of commercial lenders and financial institutions.
See what a More Connected Credit Process Looks Like.
Explore how Decipher can help your team streamline origination, underwriting, decisioning, and ongoing credit management--while working with the systems and processes you already have.