AI-POWERED CREDIT ANALYSIS
Decipher helps commercial credit teams analyze deal information, including financial statements, tax returns, bank activity, A/R, A/P, inventory, cash flow, real estate information or other deal data into one connected underwriting workflow.
Decipher assists with AI-powered document processing and analysis while experienced credit professionals remain responsible for interpreting risk, structuring the transaction, and making credit recommendations.
What is commercial underwriting software
Commercial loan underwriting software helps lenders organize and evaluate borrower financial information, repayment capacity, collateral, supporting documents, third-party information, and other credit risks within a consistent underwriting process.
Commercial underwriting varies by lending product. Asset-based lending may depend heavily on receivables, inventory, and borrowing-base availability, while C&I lending may emphasize cash flow and repayment capacity and real estate lending may focus more heavily on property and sponsor economics.
Decipher brings those different forms of credit analysis into one configurable platform.
Decision-Ready Credit Package
Income statements, balance sheets, and cash flow statements across multiple periods.
Business and personal returns parsed and spread automatically by AI.
Transaction-level cash flow analysis and average daily balance tracking.
Property valuations, environmental reports, and third-party due diligence.
Automated spreading & analysis
Financial Spreading · Ratio Analysis · Cash Flow · Risk Rating · AI Insights · Policy Check
Complete credit memo, risk rating, deal structure, and approval documentation — ready for committee.
Why it matters
Commercial underwriters often spend significant time gathering, re-keying, spreading, reconciling, and organizing information before they can begin evaluating the actual credit. A single deal may require financial statements, bank information, A/R and A/P agings, inventory reports, real estate information, collateral information, business verification, tax returns, and other supporting documents. Decipher uses AI-assisted document processing, structured analysis, and connected workflows to reduce that preparation work and give underwriters faster access to usable credit information.
Extract and organize supported financial and borrower information instead of manually entering the same data into separate spreadsheets and templates.
Bring documents, financial analysis, bank information, collateral data, verification results, and underwriting notes together around the borrower and transaction.
Structure information across periods and data sources so underwriters can identify changes, concentrations, exceptions, and questions that require deeper review.
Decipher prepares and organizes the analysis. Credit professionals determine what the information means, how the transaction should be structured, and what should move forward.
Before vs. with Decipher
Core capabilities
Turn supported financial statements, tax returns, aging reports, bank documents, and other borrower materials into structured information that can be used throughout the credit analysis. Credit professionals can review the resulting information in the context of the underlying source documents.
Organize financial statements across periods to evaluate profitability, liquidity, leverage, trends, repayment capacity, and other relevant measures. Use configured cash flow approaches based on the lender's credit methodology and lending product.
Extract and organize information from supported business and personal tax returns, schedules, K-1s, and related forms so tax information can become part of the connected underwriting analysis.
Review supported bank activity, balances, deposits, withdrawals, returned items, and other relevant patterns alongside the borrower's broader credit information.
Structure aging and collateral information to help underwriters evaluate concentrations, past-due balances, customer and vendor exposure, inventory composition, and other working-capital risks.
Apply configured eligibility criteria to applicable collateral information and review eligible collateral, ineligibles, concentrations, availability, and supporting detail.
Bring relevant KYB/KYC, OFAC, business verification, credit data, and other supported third-party information into the credit file.
Support property, borrower, guarantor, experience, structure, project, and financial analysis for applicable real estate and private lending workflows.
How it works
Borrower information, documents, verification results, and transaction context flow from origination into underwriting.
Supported documents and connected data are organized into financial, tax, bank, collateral, and borrower information that can be reviewed and analyzed.
Underwriters evaluate financial performance, cash flow, collateral, repayment capacity, borrower strength, risks, and exceptions.
The underwriter interprets the findings, investigates questions, evaluates mitigants, and determines the appropriate structure and recommendation.
The analysis, risks, proposed structure, supporting information, and recommendation can flow into the credit memo, scorecard, and approval workflow.
Where AI helps
AI can be highly effective at document-intensive tasks such as classifying files, extracting data, organizing information, identifying relevant content, and preparing structured analysis. Commercial underwriting still requires context. A concentration may be acceptable in one transaction and problematic in another. A weak financial period may have an explanation. A collateral exception may have a valid mitigant. Decipher uses AI to help prepare and surface the information. Credit professionals determine what that information means.
Lending models
Commercial underwriting is not one-size-fits-all. Decipher can support different analysis, calculations, documents, and workflows based on how the lender evaluates each type of credit.
Analyze A/R, A/P, inventory, borrowing-base availability, ineligibles, concentration, financial performance, bank information, and collateral trends.
Evaluate client financial condition, debtor exposure, aging behavior, concentrations, bank activity, verification, and other risks relevant to the factoring relationship.
Focus on financial performance, cash flow, repayment capacity, leverage, liquidity, guarantor support, and overall business risk.
Evaluate property, borrower and sponsor strength, project economics, liquidity, leverage, debt service, experience, structure, and exit strategy.
Existing technology
Decipher connects commercial underwriting with the systems, data, and information lenders already use.
Borrower documents, accounting information, bank data, verification results, credit information, CRM data, and other supported inputs can feed the credit process, while approved information can move forward into decisioning and downstream operating systems.
Decipher centralizes the credit workflow without requiring the lender to replace its servicing, factoring, CRM, or core lending platform.
FREQUENTLY ASKED QUESTIONS
Commercial loan underwriting software helps credit teams organize and analyze borrower financial information, repayment capacity, collateral, supporting documents, and other risks within a consistent credit process. It can reduce repetitive preparation work while giving underwriters a more complete view of the transaction.
65%
Accelerate the path to credit decisions by reducing manual preparation, centralizing analysis, and giving underwriters faster access to usable information.
918K+
Credit Documents Processed
Delivering AI-powered document intelligence across the commercial credit lifecycle.
See how Decipher can help your underwriting team turn borrower documents and financial information into structured credit analysis while keeping experienced credit professionals in control.
We'll tailor the walkthrough to your lending products, methodology, credit policies, and existing technology environment.
Documents Received
Financials Spread by AI
Analysis Complete
Memo Drafted
Credit Approved
