AI-powered underwriting for business loans.

Structured submissions, standardized intake, and deal communications in one place, so qualified files reach a decision faster.

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Built in collaboration with best-in-class infrastructure.

Plaid
Experian
Zoom
Twilio
Databricks
OpenAI
Finix
Product

From submission
to decision in minutes

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Deal intake

Brokers submit through Specter, so files reach your desk as one structured package instead of an email chain.

Submissions from your inbox parse into structured deals, files identified and attached to the right merchant.

A hosted form captures every field you require, straight into the queue.

Brokers submit through Specter, so packages arrive complete and standardized.

Push deals in programmatically, integration-ready with your LOS or CRM.

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.
5 lenders matched
  • Kanjo Capital$85,000×1.28Best
  • Forward Fund$80,000×1.31
  • Meridian MCA$75,000×1.30
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.

Book a demo See all integrations

What's new

The latest shipped to Specter Systems.

All releases
newMarketing: SMS blasts, email blasts, and search enrichmentOutbound now runs from the same system that holds the deal. Build a segment, send, and watch replies land on the contact record.newNeo runs the CRM by chat and voiceNeo moved from answering questions to doing the work — it reads the pipeline, prepares files, and takes action inside Specter.improvedFaster bank-statement analysisStatement parsing got quicker and steadier on messy scans, so underwriting prep starts from clean structured data more often.

Plans & pricing

Start lean, scale as your brokerage grows. Every plan includes multi-lender submissions.

Starter
For individual brokers
Rep
billed yearly
  • Personalized application link
  • Core CRM pipeline visibility
  • Multi-lender submission workflow
  • SpecterPrint fraud detection
  • Deal tasks & reminders
  • Email & SMS from the deal record
  • Document checklist & stips tracking
  • Mac app + web app on your phone
  • Bank-statement OCR & analysis
  • Commission tracking
Get started
Popular
For growing brokers
Senior Rep
billed yearly
  • Get everything in Rep, plus:
  • Bank-statement OCR & analysis
  • Intelligent matching & one-click submit
  • Full pipeline dashboard
  • Commission tracking
  • SMS & email blasts
  • Lender appetite & status tracking
  • Priority support
Get started
Teams
For high-volume desks & teams
Brokerage
billed yearly
  • Get everything in Senior Rep, plus:
  • Higher OCR & underwriting limits
  • Advanced position detection
  • E-signature & integrations
  • Team roles & permissions
  • Neo AI assistant access
  • Multi-office management
  • Custom reporting & usage analytics
  • Audit logs & access controls
  • Dedicated account support
Contact sales
Lenders
For lenders & underwriting teams
Per submission
  • Per-submission pricing — no monthly minimums
  • 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)
Talk to sales
FAQ

Answers for lenders & underwriting teams

Questions

Answer

How do broker submissions reach our team?
Email automation, webform ingestion, a broker portal, and API intake all land deals in one queue as structured packages with supporting docs attached, so nothing gets re-keyed from inbox attachments.
Does Specter standardize intake across different brokers?
Yes. Every submission arrives in one consistent shape regardless of how the broker sent it, with stips and decisions centralized so underwriters stop chasing missing items.
Does Specter fit MCA and revenue-based financing underwriting?
Yes. Specter supports merchant cash advance and related commercial finance workflows, including bank-statement OCR, risk flags, and deal triage built for revenue-based decisioning.
How does lender pricing work?
Lender access is priced per submission with no monthly minimums, so cost scales with the deal flow you actually review.
Can Specter connect to our existing LOS or CRM?
Yes. Deals flow out as structured, integration-ready data for your LOS or CRM, and API intake is available for deals coming in.

Email automation, webform ingestion, a broker portal, and API intake all land deals in one queue as structured packages with supporting docs attached, so nothing gets re-keyed from inbox attachments.

Yes. Every submission arrives in one consistent shape regardless of how the broker sent it, with stips and decisions centralized so underwriters stop chasing missing items.

Yes. Specter supports merchant cash advance and related commercial finance workflows, including bank-statement OCR, risk flags, and deal triage built for revenue-based decisioning.

Lender access is priced per submission with no monthly minimums, so cost scales with the deal flow you actually review.

Yes. Deals flow out as structured, integration-ready data for your LOS or CRM, and API intake is available for deals coming in.

Book a Demo

See Specter run your whole pipeline.

Submissions, lender routing, underwriting data, and compliance in one workspace. Tell us about your pipeline and we’ll tailor the walkthrough.

  • Reply within one business day1-day reply
  • Live walkthrough, no obligationNo obligation
  • SOC 2-aligned data handlingSOC 2-aligned