The whole lending desk. One system.
Merchant intake, underwriting and statement analysis, lender matching, one-click submissions, and funding — Specter runs the entire deal lifecycle in one finance-native platform.
A deal moves through Specter without leaving it.
- 01IntakeMerchant application & docs
- 02UnderwriteStatements analyzed, risk scored
- 03MatchRouted to lender appetite
- 04SubmitOne-click, many lenders
- 05FundApprovals, stips, funded
Underwriting, matching, and funding — around one file.
Not a stack of tools bolted together. Each stage of the deal operates on the same record, so context never gets re-keyed or lost between steps.
The file arrives decision-ready.
Applications and bank statements are parsed the moment they land — deposits, balances, and cash-flow signals extracted, risk scored, stipulations tracked. Underwriting reviews a packaged file instead of chasing one.
- Bank-statement analysis & cash-flow signals
- SpecterPrint risk scoring on every file
- Stipulations & missing-info tracked on the deal
Match to appetite, then submit once.
Route each file by lender fit instead of blasting the whole list, then fire one-to-many submissions with the package attached. Offers, declines, and conditions track straight back to the record.
- Appetite-based lender routing
- One-to-many, blind & ghost submissions
- Offers & responses tracked on the file
Every deal, application to funded.
One board holds the whole desk — stages, SpecterPrint scores, lender counts, and funding status — so a broker and an underwriter are always on the same file, not two copies of it.
- Stage-based deal board
- Live status: matched, stips, funded
- No re-keying between tools
The next step fires itself.
Every deal drags a tail of small, predictable follow-ups — chase the stip, text the merchant back, tell the rep an offer landed. Specter runs them as rules: a trigger, an optional condition, and the actions that follow. Triggers come in two shapes — an event on the file the moment it happens, or a heartbeat on a schedule that re-checks open deals so nothing rots quietly in the pipeline.
- Event triggers: offer received, stage moved, doc uploaded
- Scheduled heartbeats re-check open files on an interval
- Actions: text or email, request a stip, notify a rep, move the stage
Platform questions
What is the Specter platform built for?
Specter is built for commercial finance teams that need intake, underwriting, statement analysis, document review, lender routing, submissions, communications, and status tracking to operate from one workflow.
How do workflow automations get triggered?
Two ways. An event trigger fires the moment something happens on the file — an offer comes back, a stage moves, a document lands. A scheduled trigger runs on an interval instead, re-checking open deals so a file waiting on a stip or a lender response gets picked up rather than forgotten. Either one can be gated by a condition before its actions run.
How is Specter different from a generic CRM?
Generic CRMs usually track contacts and activities first. Specter is finance-native, so the deal file, bank statements, stipulations, underwriting context, lender decisions, and next actions are part of the operating model.
Does Specter make underwriting decisions automatically?
Specter supports underwriting workflow, statement analysis, documentation, communication, routing, and review visibility. It does not guarantee approvals, declines, terms, or funding decisions.
Can brokers and funders use the same workflow?
Yes. Brokers can package files and manage missing items, while funders and underwriting teams review the submission with the supporting context attached to the same record.
Can Specter control which lenders receive a file?
Specter supports routing workflows and team-defined submission paths. Actual lender selection should follow the organization's business rules and any applicable obligations.
Does Specter replace the lender underwriting process?
No. Specter helps brokers submit cleaner packages and helps lenders review with more context. Underwriting standards and decisions remain with the lender.