Simple plans. No surprises.
Start with a free trial. Scale your plan as your brokerage grows. Every plan includes multi-lender submissions and core deal management.
Plans
Junior Rep
For brokers just getting started.
- Personalized application link with auto-saved files
- Redacted and unredacted document storage
- Core CRM pipeline visibility
- Multi-lender submission workflow
- Email support
- SpecterPrint Fraud Detection
Rep
The most popular plan for growing brokers.
- All Junior Rep features
- Bank statement OCR and analysis capacity
- Intelligent lender matching and one-click submissions
- Full pipeline dashboard and deal tracking
- Commission tracking
- Merchant application portal
- Priority support
- SpecterPrint Fraud Detection
Senior Rep
For high-volume brokers and teams.
- All Rep features
- Higher OCR and underwriting volume limits
- Advanced position detection and analytics
- Document management and e-signature support
- Expanded integrations
- Dedicated account support
- SpecterPrint Fraud Detection
Custom Enterprise
For brokerages with high volume, multiple reps, or custom integration needs.
- Custom deal volume
- API access & integrations
- Dedicated onboarding
- SLA guarantees
- Custom reporting
- Multi-office management
- Enterprise access controls and auditing
Lender Access
Receive structured, complete deal packages from verified Specter brokers.
- Per-submission pricing: $3.99–$5.99
- FICO 2 and/or VantageScore provided
- 50% off if another subscribing lender submitted it to us
- Structured deal packages
- Custom lending criteria filters
- Counter offer & approval tools
- Real-time notifications
- Deal analytics dashboard
- API & LOS integration (Enterprise)
Additional Services
Programs for specialized operating models.
Ghost-Brokering Service
For teams that prefer a white-label funding channel, Specter can run submissions under our umbrella with transparent post-funding reconciliation.
Founding-Lender Incentive
Subscriber reuse economics can reduce duplicated underwriting spend when another subscribing lender has already submitted the merchant file.
FAQ
Common questions.
Is there a free trial?
Yes — all plans include a 14-day free trial. No credit card required to start.
Can I change plans later?
Absolutely. Upgrade or downgrade at any time. Changes take effect on your next billing cycle.
How does lender pricing work?
Lenders pay a per-submission fee. There are no monthly minimums. Contact us for specific rates.
What happens to my data if I cancel?
You retain full access to your data for 30 days after cancellation for export purposes.
Get Started
Try Specter free for 14 days.
No credit card required. Full access to all features on your plan.