Lending, on
The finance-native CRM for capital brokers and lenders — intake, bank-statement analysis, lender matching, and multi-lender submissions in one system.The finance-native CRM for brokers and lenders — intake to funding in one system.
Built in collaboration with best-in-class infrastructure.
Deal intake
Brokers submit through Specter, so files reach your desk as one structured package instead of an email chain.
Submissions from your inbox parse into structured deals, files identified and attached to the right merchant.
A hosted form captures every field you require, straight into the queue.
Brokers submit through Specter, so packages arrive complete and standardized.
Push deals in programmatically, integration-ready with your LOS or CRM.
Get more done with agents and people.
Every department gets an agent that executes around the clock — your team reviews, approves, and closes.
Files packaged and in front of the right lenders without re-keying a thing.
Packages stips and submits to matched lenders while reps sell.
Read every page.Catch every edit.
Statements, applications and IDs are read the moment they land. Specter pulls out the numbers underwriting needs, checks that they add up, and flags anything that has been touched.
400 Harbor Boulevard, Suite 200
Long Beach, CA 90802
- Business Checking Statement
- Statement date
- April 2, 2026
- Period
- Mar 1 – Mar 31, 2026
Harbor Line Logistics LLC
1180 Pier Avenue
Long Beach, CA 90813
Account summary
Transaction detail
The bank issued this file, then someone opened and re-saved it in a PDF editor.
- Issued
- Apr 2, 2026
- Modified
- Apr 9, 2026
- Created by
- Northbay eStatements
- Saved by
- Online PDF editor
Same amount, same funder, every business day. This looks like an active advance.
- Funder
- FundCo Capital
- Payment
- $1,150.00 daily
- First debit
- Mar 9
- Debits this period
- 3
- Monthly burden
- $24,150
This amount is set in a different typeface from every other figure on the page.
- Line
- Mar 14 wire, $20,000.00
- Page font
- Helvetica
- This amount
- Georgia
- Likely
- Typed over the original
Specter recomputed every running balance. The printed ending balance is higher than the math allows.
- Recomputed
- $50,623.42
- Printed
- $54,803.42
- Difference
- +$4,180.00
Reads anything
Scans, phone photos and native PDFs. Tables, stamps and handwriting come out as clean data.
Spots tampering
Edited totals, swapped fonts and rewritten metadata are flagged before anyone underwrites the file.
Rebuilds the math
Every running balance is recomputed line by line, so a doctored total has nowhere to hide.
Finds open positions
Daily and weekly funder debits are grouped into positions, with the payment and the funder named.
Maps cash flow
Revenue, average daily balance, NSFs and negative days, month by month.
Scores the risk
One score per file, with every flag that moved it, so review starts with what matters.
Plug into the tools your desk already runs on.
Bank data, credit, e-sign, payments, and comms — wired into the system that closes the deal, not bolted on after.
Plans & Pricing
Start lean, scale as your brokerage grows. Every plan includes multi-lender submissions.
For brokers just getting started.
Seats require an Enterprise account — contact us to buy.
The most popular plan for growing brokers.
Seats require an Enterprise account — contact us to buy.
For high-volume brokers and teams.
Seats require an Enterprise account — contact us to buy.
Answers for brokers, lenders & merchants
Specter combines CRM records, document intake, lender matching, communications, and multi-lender submissions so brokers spend less time on repetitive packaging and more time funding merchants.
Lenders receive structured packages with supporting docs attached, helping underwriting teams review faster and reduce back-and-forth for missing items.
Yes. Specter supports merchant cash advance and related commercial finance workflows with broker, lender, merchant, submission, underwriting, and communication visibility in one system.
Specter includes AI-assisted processing for document-heavy workflows, including statement extraction and structured data outputs used in underwriting and submissions.
See Specter run your whole pipeline.
Submissions, lender routing, underwriting data, and compliance in one workspace. Tell us about your pipeline and we'll tailor the walkthrough.
- Reply within one business day1-day reply
- Live walkthrough, no obligationNo obligation
- SOC 2-aligned data handlingSOC 2-aligned