Bank statement underwriting
16× faster than the leading cash flow tool
- From raw statements to cash flow analytics in minutes
- 16× faster than the leading cash flow analytics tool
- Every transaction traced back to its statement line
Every financial document, extracted
Tax returns, bank statements and financials
- Tax returns — 1040, 1120, 1120S and 1065
- Business and personal bank statements
- Personal and company financial statements
Live in your LOS in one day
Integrate the API or embed the workspace
- Integrate the API or embed the full workspace
- Runs inside the LOS your team already uses
- One day integration time
- Embedded UI served to your LOS
Spread and write memos together, live
The first multiplayer spreading workspace
- Spread and write memos with colleagues in real time
- Pin comment threads directly to visuals
- Every action audited and logged
Trace every number to its source line
Bounding boxes, not page citations
- Click a number, land on the source line
- A bounding box on the document, not a page citation
- Drill any total down to the itemized sum that foots to it
Better credit memos, built faster
Vector output with click-through to source
- Vector graphics that stay sharp at any size
- PII retrieval stays audit-logged inside the memo
- Click-to-source keeps working in the memo
Global cash flow on one canvas
Every business, every guarantor, one DSCR
- Multiple businesses and guarantors on one canvas
- Set global DSCR once and reuse formulas across spreads
Never rebuild the same spread again
Save a configuration once, reuse it forever
- Apply a saved spread configuration to any new loan
- Build a template in minutes, reuse it forever
- No limit on how many templates you keep
Supercharge your lending workflowwithout compromising due diligence
- Financial document extraction
- Cash flow analytics
- Live, collaborative spreading and credit memos
Documents shouldn’t slow your team down
With near-instant extraction on tax returns, K-1s, financial statements, and bank statements, analysts can speed through deals without leaving judgement on the table.
Auditability through traceability
Transform your teams memos and spreads from a 1 hour explanation to a 5 minute interactive presentation that’s defensible without the author in the room.
With SpreadSpace, the analysis can be explained to the credit committee today and can be examined 10 months later by an auditor.
Alternative financing
The financing relationships that aren’t on the debt schedule.
We don’t just detect financing, we show the full timeline of payments and advances between the borrower and the financier from the first advance to the last paydown.
- MCA
- Revenue-based financing
- Receivables factoring
- Shareholder loans
Undisclosed accounts
Instantly identify the hidden business bank accounts
We keep a running ledger of every internal transfer that came from an account outside of the uploaded bank statements.