COMMERCIAL LOAN ORIGINATION
Decipher helps commercial lending teams move qualified opportunities into underwriting with less friction. Start a deal directly in Decipher, from your lender website, through an integrated CRM, or from information and documents already provided by the prospect.
Keep borrower information, documents, verification, tasks, and deal context connected from the start.
Referred by J. Carter
$2,400,000
Equipment Refinance · 60-month term
What is commercial loan origination
Commercial loan origination software helps lenders move an opportunity from initial borrower interest through qualification, information collection, documentation, verification, and preparation for underwriting.
In commercial lending, origination is also a sales process. BDOs and relationship managers must keep the borrower engaged, gather what credit needs, maintain deal context, and keep the opportunity moving.
Decipher connects those activities in one commercial credit workflow without requiring every lender to originate business the same way.
Start anywhere
Not every commercial lending opportunity begins with an online application. Decipher supports multiple origination paths so lenders can use the platform directly or connect it to the sales processes they already have.
Originators can create and manage opportunities directly in Decipher, capturing the borrower, financing request, relationship context, documents, tasks, and next steps.
Borrowers can start through a digital application or intake experience connected to the lender's website, with information flowing into the Decipher origination process.
If your sales team already works in a CRM, Decipher can extend that workflow into borrower intake, documentation, verification, and underwriting preparation without requiring sales to abandon the tools they already use.
Commercial deals often begin with information that already exists in a term sheet, PDF application, financing package, or other prospect-provided document. Decipher is expanding its AI-assisted origination capabilities to use information contained in supported deal documents to help initiate and populate an opportunity.
One connected opportunity
Borrower information, documents, verification, deal context, and outstanding requirements organized for the credit team.
Why it matters
Commercial lending sales teams should not have to spend their time searching email threads for documents, re-entering information, or repeatedly asking underwriting what is still missing. Decipher gives sales and credit a connected view of the opportunity while keeping their responsibilities distinct.
See requested, received, and outstanding information so originators know what is preventing the opportunity from moving forward.
Keep borrower information and documents connected to the deal so teams are less likely to ask prospects for information they already provided.
Carry the relationship, referral source, transaction purpose, timing, notes, and other sales context forward with the credit file.
Give originators appropriate visibility into status, outstanding items, tasks, and next steps as the opportunity moves toward underwriting.
Before vs. with Decipher
How it works
Begin in Decipher, from the lender's website, through an integrated CRM, or another supported entry point.
Bring together borrower information, financing needs, documents, relationship context, and transaction details.
Collect required information, documentation, identification, and other items through a structured borrower experience.
Track outstanding requirements, organize the file, and preserve the information underwriting needs.
Pass an organized opportunity into Decipher's underwriting workflow without rebuilding the deal from the beginning.
Sales + Underwriting
Commercial lending works best when sales and underwriting share the same borrower and transaction information while bringing different expertise to the deal.
Decipher connects both perspectives around the same opportunity while keeping credit analysis and decision authority with the appropriate credit professionals.
Lending models
The information required to move a deal forward depends on the lending product. Decipher allows lenders to configure origination around the way they actually lend.
Collect financials, A/R and A/P agings, inventory, collateral information, ownership, and supporting documents needed to prepare an ABL opportunity for credit.
Gather client, debtor, operating, banking, verification, and supporting information through workflows designed for faster-moving factoring opportunities.
Structure the financing request, borrower and guarantor information, financial documentation, and other information required for commercial credit review.
Capture property, borrower, sponsor, experience, project, financing, and supporting documentation within a lending-specific origination process.
Existing technology
Some lenders use Decipher as their primary origination workspace. Others already have established CRM, website, referral, servicing, or operating systems. Decipher can connect those environments to the commercial credit process rather than forcing every lender to replace the technology it already uses.
A CRM manages the sales relationship and opportunity pipeline. Decipher extends that process into borrower intake, documents, verification, underwriting, decisioning, and ongoing credit workflows.
FREQUENTLY ASKED QUESTIONS
Commercial loan origination software helps lenders move an opportunity from initial borrower interest through qualification, information collection, documentation, verification, and preparation for underwriting. In commercial lending, it also supports the sales and relationship-management activities required to keep qualified opportunities moving.
See how Decipher connects borrower information, documents, verification, deal context, and outstanding requirements into a more organized path to underwriting. We'll tailor the walkthrough to your lending products, existing technology, sales workflow, and credit process.
