Apply once.
Get funded fast.
Your broker uses Specter to submit your application to multiple lenders at once. You get multiple offers and a decision in 24–48 hours — without the paperwork marathon.
YOUR EXPERIENCE
Simple from start to funded.
A guided process with clear steps and status visibility.
Current step 01 of 06
Your broker sends you a link
Simple, secure application
What you'll need
Your broker will guide you if anything else is needed.
Compare offers side-by-side
Review term, payment, speed, and notes in one place.
What You Get
A faster, fairer funding experience.
Specter is free for merchants. It's the platform your broker uses to serve you better.
24–48 Hour Decisions
Structured submissions mean lenders can review and decide fast.
Competitive Offers
Multiple lenders competing for your business means better rates and terms.
Secure & Private
Your business data is encrypted and only shared with lenders you approve.
Transparent Process
Track your application status in real time. No more chasing updates.
Broker Support
Your broker is with you every step of the way through the Specter platform.
No Hidden Costs
Specter is free for merchants. Your broker manages the platform on your behalf.
Ready to Get Funded?
Talk to a broker today.
Your broker will walk you through the Specter application and get your deal in front of the right lenders.