´╗┐Factoring Origination System

The only Factoring Origination System (FOS) that moves clients to approval in record time.

Powerful Capabilities.



Easy Application

Live digital applications that capture all details instantly for easy follow up and automatically track all missing prospect information and documents.


Tasks & Alerts

Manage workflows with ease by auto alerting team members, assigning tasks and automatically responding to clients to move them along quickly.



Customizable deal pipelines and stages for all of your teams so each has their own process and is on the same page. Syncs with Salesforce for larger teams.


Brokers & Partners

Manage all of your business relationships in one place and invite them to collaborate on deals or just keep track of the deals they send.

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Personal Links

Eliminate guesswork by creating personal links to your applications so when inside sales, brokers and partners refer a deal they are auto assigned.


Digital Checklist

Automatically keep track of all documents, closing and funding conditions and communicate with clients via their Portal to close faster.

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Smart Documents

Built-in automatic pre-filling of documents and E-signature ensure a faster close. Great for term sheets, factoring agreements, and more.

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Risk Alerts

Automate your risk criteria so your underwriters speed up due diligence and make better and faster credit decisions with less risk.


Auto Analysis

Automatically spread financials, AR/AP analysis, reveal key ratios, and get instant bank account transaction analysis in one click.



Connect to bank accounts for instant bank account verification, identity, and transaction analysis and to accounting systems for auto financial spreading.



We make it easy to connect other systems and platforms for a comprehensive end-to-end lending system automation.

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Click & Drag

Our click & drag technology accelerates automation and makes application template building simple for all your financial products.

Decipher was built by factors to help sales and underwriting work in sync and eliminate bottlenecks.

Take on more deals and close them faster.

Schedule FOS Demo

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