The property and the people behind it both matter
The credit file has to connect collateral/property information with the borrower, sponsor, guarantors, ownership, and related entities.
PRIVATE LENDING SOFTWARE
Private Lending Loan Origination System LOS for Fix & Flip, DSCR, Bridge and Construction Lending
Bring borrower, guarantor, entity, sponsor, property, document, financial, rehab budget, and bank information into one connected workflow from loan intake through processing, underwriting, approval, and closing.
ONE CONNECTED PRIVATE LENDING WORKFLOW
Private Lending LOS in One Workflow
Decipher is private lending loan origination software for private real estate lenders across Fix & Flip, DSCR, Bridge, and Construction lending. It connects loan intake, borrower information, guarantors and related entities, property information, insurance information, documents, financial and bank data, processing, underwriting, approval, and closing in one configurable workflow.
PRIVATE LENDING CREDIT REALITIES
Private Lending Decisions Depend on the Entire Loan Structure
Private lenders often have to evaluate a large volume of information and make decisions quickly while understanding several connected parts of the loan: the borrower or borrowing entity, sponsor and guarantors, related entities, property, requested financing, supporting documents, assets, bank information, and relevant borrower or sponsor experience. The importance of those factors can also change depending on whether the loan is Fix & Flip, DSCR, Bridge, or Construction.
Borrower and sponsor experience can affect the credit view
For certain private-lending products, the team may need to understand prior project, property or investment experience alongside financial capacity.
Speed is part of the competitive process
Private lenders often compete on responsiveness, but faster decisions still require a complete enough file to identify exceptions and conditions.
Different products require different underwriting paths
Fix & Flip, DSCR, Bridge and Construction loans may share a platform but should not be forced through identical information requirements and workflows.
PRIVATE LENDING CREDIT WORKFLOW
From Loan Intake to Closing
Decipher connects the information private lenders use to evaluate the people, entities, property, structure, and supporting documentation behind a private real estate loan request.
01
Start the Loan
Begin directly in Decipher, from our white-label borrower portal, from the lender website, from Salesforce or HubSpot, from a broker or referral source, or through a supported API.
02
Identify the Borrower, Sponsor, and Guarantors
Capture the people and entities responsible for the transaction and connect related closing parties to the same loan.
03
Capture the Property or Project
Bring property information, financing request, project details, rehab information and supporting documentation into the credit file.
04
Collect and Analyze Supporting Information
Gather bank information, borrower financials and information, and product-specific documentation.
05
Apply the Product-Specific Underwriting Workflow
Use different requirements, criteria, tasks, analysis, and exception handling for Fix & Flip, DSCR, Bridge, and construction loans.
06
Review and Approve
Route the loan through the lender's configured credit and approval process.
07
Close
Generate or prepare closing documents, manage conditions, and route documents for e-signature.
08
Connect Downstream
Move relevant approved information into servicing, operations, or other downstream systems through supported integrations, APIs, or webhooks.
HOW DECIPHER SUPPORTS PRIVATE LENDERS
Keep the Borrower, Entity, Property, and Loan File Connected
Decipher LOS gives private lenders a streamlined way to connect origination, people and entity relationships, property information, documents, bank and financial data, underwriting, approval, and closing — while allowing the workflow to change by lending product.
Start the Loan Where It Already Originates
Use Decipher directly, from our white-label borrower portal or connect intake from the lender website, Salesforce, HubSpot, or supported APIs so the sales process and loan approval process can stay connected.
See the Complete Borrower and Entity Relationship
Connect the borrowing entity, sponsors, guarantors, owners, related companies, and other relevant parties to the same loan.
Price the Loan and Issue the Term Sheet
Price the loan prior to underwriting, quickly issue a Term Sheet and determine final pricing for approval.
Bring Property and Financial Information Together
Keep property information, requested financing, bank data, asset information, and other supporting documents connected to the underwriting file.
Configure the Workflow by Lending Product
Apply different requirements, conditions, documents, criteria, tasks, approvals, and analysis to Fix & Flip, DSCR, Bridge, and Construction loans without building a separate system for each one.
Move an Approved Loan Into Closing
Reuse information already captured to support loan closing document generation, conditions, e-signature, and downstream handoff.
COMPLETE LOAN CONTEXT
See the Entire Loan Structure Together
A private real estate loan is much more than a property record. Decipher can connect the borrower or borrowing entity, sponsor, guarantors, related entities, property, requested financing, and supporting information in one loan so lending teams can understand the relationships behind the transaction without reconstructing them across separate files.
The Deal
Private Real Estate
Lending Opportunity
Borrower / Borrowing Entity
Who is requesting the financing?
Sponsor
Who is referring the transaction?
Guarantors
Who supports the loan and what is the credit quality of the guarantors?
Related Entities
What other companies or ownership relationships matter?
Experience
What is the experience of the borrowers, and do they have prior properties that have been financed?
Property / Project
What asset or project supports the financing?
Financing Request
How much is being requested, how is the loan structured, and does it meet underwriting criteria?
Supporting Information
Do we have all of the supporting documents needed to underwrite the loan and are there any conditions or exceptions?
CONFIGURABLE BY LOAN PRODUCT
One LOS. Different Private Lending Workflows
A Fix & Flip or Bridge loan, a ground-up Construction loan, and a DSCR Rental loan do not require the same information or underwriting analysis. Decipher lets lenders configure the intake, documents, calculations, requirements, workflows, and approvals around each loan product while managing them in one LOS.
Fix & Flip
Evaluate the property, borrower or sponsor, rehab requirements, relevant experience, acquisition and renovation assumptions, financing request, bank and financial information, and supporting documents in one loan file.
DSCR
Connect property-level income and debt service with borrower/entity information, bank data, requested financing, and supporting documentation so the lender can review the property's ability to support the proposed debt within its configured credit process.
Bridge & Construction
Organize property and project information, borrower/sponsor details, relevant experience, budget and supporting documentation, loan request, and credit requirements in one configured workflow.
CONNECTED PRIVATE LENDING WORKFLOWS
Start Where Your Deals Already Start
A private lending deal can begin directly in Decipher, on the lender's website, in an integrated CRM such as Salesforce or HubSpot, or through a supported API. Decipher LOS manages the connected origination, underwriting, approval, and closing workflow, then can pass relevant approved information into downstream servicing or operations systems through supported integrations, APIs, and webhooks.
Where Deals Start
Website
Salesforce
HubSpot
Decipher
Referral / Broker
API
→
Decipher
Origination→Deal / Entity / Property→Underwriting→Decisioning→Closing
Origination
Borrower
Underwriting
Closing
→
Downstream
Servicing
Operations
Core / LOS connections where supported
APIs / webhooks
OPERATIONAL IMPACT
Fewer Handoffs Between Origination, Processing, Underwriting, and Closing
When the borrower, sponsor, entities, property, documents, analysis, and approval workflow stay connected to the same loan, teams spend less time rebuilding the file as the opportunity moves forward.
Sales and credit work from the same opportunity
Information gathered early in the process does not have to be re-entered when the loan reaches underwriting.
Underwriters see the relationships behind the loan
Borrowers, sponsors, guarantors, entities, property, and requested financing can be evaluated together.
Different products keep their own requirements
Fix & Flip, DSCR, Bridge, and Construction workflows can use different information, documents, and criteria without fragmenting the technology stack.
Closing starts from approved loan information
The deal can move from approval into conditions, closing loan documents, e-signature, and downstream handoff without starting over.
CUSTOMER PERSPECTIVE
Built for the Way Private Lenders Evaluate Real Estate Loans
“Having a sound LOS is crucial to efficiency, customer experience, and scaling. I’ve worked with many other LOS companies and it’s not even close or in question: Decipher is the best, by leaps and bounds. Their ease of collaboration, innovation, and ability to customize is what makes them stand out. Likewise, the platform is user-friendly not only internally but for customers of all types. I almost NEVER do these types of testimonials but for the Decipher team, it’s a no-brainer given how integral they’ve been to my and my companies’ successes!”
DECIPHER LOS WORKFLOWS
Explore the Decipher LOS Workflows Used Across Private Lending
Private lenders can use Decipher from digital loan intake through underwriting, configured decisioning, closing, and downstream connectivity while tailoring the process to different real estate lending products.
Digital Origination
Capture borrower and loan information from the lender website, CRM, Decipher, or supported APIs.
Underwriting
Bring property, borrower/sponsor, entity, bank, and document information in one place.
Decisioning Workflows
Apply product-specific criteria, tasks, exceptions, and approvals.
Closing & Connectivity
Carry approved information into loan documents, e-signature, and servicing systems.
FREQUENTLY ASKED QUESTIONS
PRIVATE LENDING LOS FAQs
Private lending software helps private lenders and real estate lenders manage the information and workflow used to originate, underwrite, approve, and close loans. Decipher connects borrower and sponsor information, guarantors, related entities, property information, documents, asset and bank data, underwriting, approval, and closing in one configurable workflow.
Yes. Decipher can be configured to collect and connect property information, borrower or sponsor data, relevant experience, acquisition, and rehab assumptions, bank and financial information, requested financing, documents, underwriting requirements, and approvals for Fix & Flip deals.
Yes. DSCR workflows can connect property-level income and debt service with borrower/entity information, bank data, requested financing, supporting documents, lender-defined criteria, and approval steps.
Yes. Decipher can support the origination, credit, document, workflow, and approval process for Bridge and Construction loans, including property/project information, borrower and sponsor details, experience, budget and supporting documentation, and configured credit requirements.
Yes. Decipher can connect the parties and entities relevant to a private lending transaction so the lending team can see the relationship between the borrowing entity, sponsor, guarantors, related businesses, property, and loan request.
Yes. A loan can start directly in Decipher, from Decipher's white-label borrower portal, from the lender website, from integrated CRM systems such as Salesforce or HubSpot, or through supported APIs. The lender does not have to replace its existing CRM to use Decipher for the loan intake and approval process.
Yes. Decipher can automate term sheets, loan documents, credit memos, and other supported documents and can store them in the platform. E-signature is also built-in for quicker and more efficient close.
No. Decipher is designed to manage the origination, underwriting, decisioning, and closing workflow and to connect approved information to downstream servicing or operations systems through supported integrations, APIs, or webhooks.
SEE DECIPHER IN ACTION
See Decipher’s Private Lending LOS in Action
See how Decipher connects borrower, sponsor, entity, property, documents, underwriting, approval, and closing across Fix & Flip, DSCR, Bridge, and Construction loans. We'll tailor the walkthrough to your loan products, underwriting process, borrower experience, and existing technology environment.