The Workflow

The before. The after.

Specter unifies underwriting, routing, submissions, and status updates in one clean workflow. See exactly what changes for your role.

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Before vs After

How Specter changes the workflow.

Specter unifies underwriting, routing, submissions, and status updates in one clean workflow.

Without Specter(submit to 5 lenders)3+ hours

Step 1

Manual Document Collection

Chase merchants for docs over email and text.

No standard format. Data scattered across inboxes.

Step 2

Re-enter Per Lender

Every lender wants a different format.

Re-key the same data 3–5 times per deal.

Step 3

Guess-Based Routing

No criteria matching.

Spray deals to every lender you know and hope something sticks.

Step 4

Copy/Paste Submissions

Each submission is a manual copy-paste job.

One deal. Five lenders. Five separate emails.

Step 5

Chase for Updates

No visibility after submission.

Chase each lender individually for status.

Step 6

Missed Windows

Slow follow-up means missed approvals.

Deals expire before you can act.

With Specter(submit to 80+ lenders)<30 sec

Step 1

Single Digital Intake

Merchant completes one structured application.

All documents collected digitally in one place.

Step 2SpecterPrint™

Underwrite Once

Data structured automatically.

SpecterPrint™ signals surface key data points for review.

Step 3

Precise Lender Matching

Intelligent routing matches each deal to lenders whose criteria it actually fits.

Step 4Reused across lenders

Simultaneous Multi-Submit

One click submits to all matched lenders at once.

Package reused — no re-entry.

Step 5

Live Deal Status

Real-time updates the moment a lender responds.

No chasing, no guessing.

Step 6

More Deals Funded

Faster decisions.

Better lender fit. Significantly higher close rate.

Without Specter

Step 1

Manual Document Collection

Chase merchants for docs over email and text.

No standard format. Data scattered across inboxes.

Step 2

Re-enter Per Lender

Every lender wants a different format.

Re-key the same data 3–5 times per deal.

Step 3

Guess-Based Routing

No criteria matching.

Spray deals to every lender you know and hope something sticks.

Step 4

Copy/Paste Submissions

Each submission is a manual copy-paste job.

One deal. Five lenders. Five separate emails.

Step 5

Chase for Updates

No visibility after submission.

Chase each lender individually for status.

Step 6

Missed Windows

Slow follow-up means missed approvals.

Deals expire before you can act.

Then

With Specter

Step 1

Single Digital Intake

Merchant completes one structured application.

All documents collected digitally in one place.

Step 2SpecterPrint™

Underwrite Once

Data structured automatically.

SpecterPrint™ signals surface key data points for review.

Step 3

Precise Lender Matching

Intelligent routing matches each deal to lenders whose criteria it actually fits.

Step 4Reused across lenders

Simultaneous Multi-Submit

One click submits to all matched lenders at once.

Package reused — no re-entry.

Step 5

Live Deal Status

Real-time updates the moment a lender responds.

No chasing, no guessing.

Step 6

More Deals Funded

Faster decisions.

Better lender fit. Significantly higher close rate.

Adjust Scenario

Lenders per deal: 5

Illustrative Economics

5 Lenders Per Deal

Illustrative ranges (internal deck only). Not a guarantee.

Without Specter (estimated)

Per-submission (legacy)~$8–$10+ / lender

Credit pull~$3+ / lender

Bank OCR~$5–$7 / lender

5-lender deal (est.)~$80–$100+

With Specter (estimated)

Per-submission (Specter)~$3.99–$5.99 / lender

Score packageFICO 2 and/or VantageScore provided

Subscriber reuse50% off if another subscribing lender submitted it to us

5-lender deal (est.)~$5.99

Illustrative ranges from internal deck only. Actual costs vary. Not a guarantee of savings or pricing.

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