Connect the business return to the people and properties behind the loan. Review business earnings, guarantor income, K-1s and rental activity with adjustments and source documents available throughout the analysis.
Spread business and personal tax returns together while keeping each entity, person and tax year distinct. Review reported earnings and income sources, then open the schedules and supporting statements behind the figures used in the credit decision.
Follow K-1s included in business returns and those supplied separately for outside interests. Review the issuer, recipient, reported income and distributions alongside Form 1040 to understand how each business interest contributes to the guarantor’s financial picture.
Review business real estate from Form 8825 and personally held rentals from Schedule E. Group properties by street or property type, inspect the reported expenses and follow the NOI bridge with adjustments for each property.
Review the earnings basis and select the adjustments used in the analysis. Analyst write-ins and saved selections let the lender explain adjusted earnings and coverage while retaining access to the reported figures and the documents behind them.
Open the document behind a spread figure, check the supporting line and return to the analysis with the evidence available for the credit review.
Explore the business and personal returns, schedules and supporting statements available for review. Integration details are in the docs.spreadspace.app.
