A clearer intake
Bring applications and supporting documents into the workflow.
Move the deal.
Not the paperwork.
Intake, documents, lender conversations and next steps—connected around the deal, from the first inquiry onward.
Illustrative Finance workspace and activity.
Infrastructure and connected services
Every deal. One clear next move.
Select a record. Switch the view. See how the work fits together.
| Business | Stage | Owner | Requested |
|---|---|---|---|
| Under review | AAlex | $125,000 | |
| Offer received | JJordan | $85,000 | |
| Documents pending | SSam | $240,000 | |
| Funded | AAlex | $65,000 |
Selected record
Harbor Services
Statement package attached. Review the file before choosing lenders.
Example activity
Application received
Documents collected
Review in progress
Specter’s first live industry offering. Built for brokers and lenders. Adaptable to your desk.
Traditional lending first.
Specialist workflows when you need them.
CRM and underwriting workflow belong together. Start with commercial lending, then shape the stages, documents and review responsibilities for each financing type.
Traditional commercial lending
Term loans and lines of credit
Organize borrower relationships, financial statements, tax returns, collateral documents and credit-review tasks around one CRM record.
Commercial credit review
Northline Manufacturing
- Facility
- Term loan + working capital
- Relationship
- Northline Manufacturing
- Review owner
- Alex Morgan
Review checklist Owner assigned
▤Financial statementsReceived
▤Tax returnsIn review
▤Collateral scheduleRequested
Relationship team
Build the borrower record
- Borrower · Northline Manufacturing
- Request · Term loan + working capital
- Assign document collection
Next task · Reconcile the borrower’s financial package
One connected CRM: relationships, applications, documents, communications, task owners and pipeline history. These are configurable workflow examples, not a claim of preconfigured eligibility engines or guaranteed approvals. Credit decisions and program compliance remain with your organization.
Specter makes it easy
Built around how you fund, not how we think you should.Built around how you fund.
Every deal, one front door
Email, webform, broker portal, and API intake land in the same queue as one structured package — nothing re-keyed from inbox attachments.
Statements read themselves
Bank-statement OCR pulls deposits, balances, and positions into underwriting-ready data the moment a file lands.
Matched to the best lender
Appetite, exclusions, and past decisions shape every match, so submissions go where they actually fund.
Send once, everywhere
One click submits the same clean package to every matched lender — statuses and offers flow back into the deal.
Agents on staff
Get more done with agents and people.
Every department gets an agent that executes around the clock — your team reviews, approves, and closes.
Illustrative Neo exchanges, not a live AI session.
Files packaged and in front of the right lenders without re-keying a thing.
Submission Runner
Deal packaging agent
Packages stips and submits to matched lenders while reps sell.
Submit the Rivera Auto file to our A-paper lenders.
Packaged the file and matched 5 lenders by appetite — submissions are out.
Integrations
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.
PlaidBank linking & account verification
ExperianBusiness & consumer credit pulls
TwilioSMS and voice on the deal
ZoomCalls & recorded meetings
GoogleGmail, Calendar & Workspace
OpenAIPowers Neo & document analysis
AWSCloud infra & secure storage
monday.comBoards & CRM sync
StripeCollect fees & disbursements
FinixPayment processing & payouts
CrediblyDirect funder submissions
Bitty AdvanceDirect funder submissions
SmartBizSBA & bank-term submissions
Spectra LendingDirect funder submissions
LNDRDirect funder submissions
DocuSignContracts signed in-thread
RingCentralClick-to-call from any record
PlaidBank linking & account verification
ExperianBusiness & consumer credit pulls
TwilioSMS and voice on the deal
ZoomCalls & recorded meetings
GoogleGmail, Calendar & Workspace
OpenAIPowers Neo & document analysis
AWSCloud infra & secure storage
monday.comBoards & CRM sync
StripeCollect fees & disbursements
FinixPayment processing & payouts
CrediblyDirect funder submissions
Bitty AdvanceDirect funder submissions
SmartBizSBA & bank-term submissions
Spectra LendingDirect funder submissions
LNDRDirect funder submissions
DocuSignContracts signed in-thread
RingCentralClick-to-call from any record
DataMerchMerchant default database
ClaudeAI deal workflows
Google SheetsLive pipeline exports
ExcelSpreadsheet sync
OutlookTwo-way email on the file
iMessageText merchants from the deal
Microsoft TeamsFace-to-face on the record
CalendlyAuto-book follow-ups
Court recordsJudgments & liens surfaced
Business dataFirmographics & ownership
KYC / AMLIdentity & sanctions checks
QuickBooksSync funded deals to the ledger
ZapierPush events to any system
AnalyticsPipeline & funnel reporting
StorageDocuments in one secure vault
DataMerchMerchant default database
ClaudeAI deal workflows
Google SheetsLive pipeline exports
ExcelSpreadsheet sync
OutlookTwo-way email on the file
iMessageText merchants from the deal
Microsoft TeamsFace-to-face on the record
CalendlyAuto-book follow-ups
Court recordsJudgments & liens surfaced
Business dataFirmographics & ownership
KYC / AMLIdentity & sanctions checks
QuickBooksSync funded deals to the ledger
ZapierPush events to any system
AnalyticsPipeline & funnel reporting
StorageDocuments in one secure vault
Package once.
Keep the whole desk in sync.
Give the application, supporting documents and next follow-up one place to live. Your team works from the same record instead of piecing together scattered updates.
A prepared review
Use bank-statement analysis and risk signals to support your team’s review.
A connected follow-up
Keep submissions, lender responses and outstanding items visible on the deal.
The right context.
Before the next submission.
Explore lender routing and submission workflows without losing the detail behind the file. Your team remains responsible for underwriting and lending decisions.
Illustrative lender-routing workflow.
A finance foundation.
Your own way of working.
Rename the stages, add your columns and build around the people on your desk. Or take the same building blocks into a different business.
Your pipeline, your vocabulary.
BusinessStage ▾Requested amountNext follow-up+ Your column
The preview gives you an editable starting structure. Account setup, integrations and specialist services are configured separately.
See the full Finance product.
Intake, statement analysis, lender matching, submissions and funding—not just a board. Explore the existing end-to-end product walkthrough.
Example automation: a trigger, a condition and the next actions.
The numbers and the missing pieces.
Review statement signals and outstanding documents on the same file. Keep ownership clear before the next submission.
Neo, working with your desk.
The Finance example, with the original desktop and mobile experience.
Ask Neo to work a deal…
Ask Neo…
Scripted Finance demonstration. Lending decisions remain with your team.
Go deeper into your workflow.
All the finance detail is still here.
Full Finance productNeo for FinanceFinance communicationsFinance marketingFinance lifecycleBrokers and business lendingLendersMerchantsMerchant fundingMCA CRMISO CRMLoan broker CRMBusiness funding CRMBank statement analysisFraud detectionMCA underwritingCommercial underwritingLender submissionsLender portalAlternative to CentrexAlternative to MCA SuiteAlternative to LendSaaSAlternative to Fundingo