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 can become a manual copy-paste job.

One deal may mean several lender emails.

Step 5

Chase for Updates

No visibility after submission.

Chase each lender individually for status.

Step 6

Missed Windows

Slow follow-up can create missed windows.

Deals may expire before your team can act.

With Specter(route to matched lenders)<30 sec

Step 1

Single Digital Intake

Merchant completes one structured application.

Documents are 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

Criteria-aware routing helps match each deal to lenders whose programs may fit.

Step 4Reused across lenders

Simultaneous Multi-Submit

Submit one structured package across matched lender workflows with less re-entry.

Step 5

Live Deal Status

Centralized status updates help reduce chasing and keep lender responses visible.

Step 6

Cleaner Funding Paths

Faster review paths, better lender fit signals, and clearer next steps for qualified files.

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 can become a manual copy-paste job.

One deal may mean several lender emails.

Step 5

Chase for Updates

No visibility after submission.

Chase each lender individually for status.

Step 6

Missed Windows

Slow follow-up can create missed windows.

Deals may expire before your team can act.

Then

With Specter

Step 1

Single Digital Intake

Merchant completes one structured application.

Documents are 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

Criteria-aware routing helps match each deal to lenders whose programs may fit.

Step 4Reused across lenders

Simultaneous Multi-Submit

Submit one structured package across matched lender workflows with less re-entry.

Step 5

Live Deal Status

Centralized status updates help reduce chasing and keep lender responses visible.

Step 6

Cleaner Funding Paths

Faster review paths, better lender fit signals, and clearer next steps for qualified files.

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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Finance-Native Paths

Built around the deal file, not a generic sales pipeline.

Specter keeps merchant intake, bank statements, underwriting context, lender submissions, and status movement in the same operating record.

Business lending CRM

See how Specter connects broker intake, underwriting requests, bank-statement workflows, lender routing, and funding status in one finance-native CRM.

View workflow

MCA CRM

Explore the merchant cash advance workflow for intake, document packaging, lender submissions, missing-info follow-up, and funded-deal visibility.

View workflow

FAQ

Product workflow questions

What is the Specter workflow built for?

Specter is built for commercial finance teams that need intake, underwriting, document review, lender routing, submissions, communications, and status tracking to operate from one workflow.

How is Specter different from a generic CRM workflow?

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.

Which teams benefit most from the product workflow?

Capital brokers, MCA teams, commercial lenders, underwriters, processors, and operators benefit when files need to move quickly from merchant intake to lender-ready submission and funding decision.