Intake to funded, one workflow.
Follow a deal through the desk. Every stage below is the product itself, not a diagram of it.
Every channel, one queue.
Email, webform, broker portal, or API — submissions land as structured deals with documents attached, not inbox chaos.
Statements become data.
Bank statements are parsed into normalized transactions, deposits and obligations totaled across months and banks.
Every factor, one score.
Deposits, NSFs, balances, and positions roll into a fit score, so the queue orders itself before anyone opens the file.
Decide once, everyone knows.
Stips, counters, and approvals live on the deal — the broker sees the decision the moment it lands.
The book stays visible.
Payment statuses, slow-pay alerts, and book health roll up live after the wire goes out.
- Paid52%
- Completed30%
- Paying8%
- Late6%
- Defaulted4%
How Specter changes the workflow.
Specter unifies underwriting, routing, submissions, and status updates in one clean workflow.
- 01Manual Document Collection
Chase merchants for docs over email and text. No standard format, data scattered across inboxes.
- 02Re-enter Per Lender
Every lender wants a different format. Re-key the same data 3–5 times per deal.
- 03Guess-Based Routing
No criteria matching. Spray deals to every lender you know and hope something sticks.
- 04Copy/Paste Submissions
Each submission becomes a manual copy-paste job. One deal can mean several lender emails.
- 05Chase for Updates
No visibility after submission. Chase each lender individually for status.
- 06Missed Windows
Slow follow-up creates missed windows. Deals can expire before your team acts.
- 01Single Digital Intake
Merchant completes one structured application. Documents collected digitally in one place.
- 02Underwrite OnceSpecterPrint™
Data structured automatically. Key data points surfaced for review.
- 03Precise Lender Matching
Criteria-aware routing matches each deal to lenders whose programs fit.
- 04Simultaneous Multi-SubmitReused across lenders
Submit one structured package across matched lender workflows with less re-entry.
- 05Live Deal Status
Centralized status updates cut chasing and keep lender responses visible.
- 06Cleaner Funding Paths
Faster review paths, better lender-fit signals, and clearer next steps for qualified files.
Workflow questions
Questions
Answer
Specter centralizes merchant intake, document collection, bank-statement workflow support, underwriting communication, lender routing, submission tracking, and funding status so every participant can see the next action.
Yes. Brokers can package and route cleaner files, while lenders and underwriting teams can review structured submissions with communication history, missing-info context, and status visibility.
Commercial finance teams operate around files, stipulations, statements, offers, lender appetite, and funding movement. A finance-native workflow reduces the translation work that generic CRMs leave to operators.