Turn financial statements into a review of earnings, liquidity and repayment capacity. Spread the statements, compare reporting periods and bring aging reports and debt schedules into the coverage analysis.
Convert financial statements and supporting schedules into comparable spreads, charts and coverage analysis, with the source detail available for review.
Organize balance sheets, income statements and cash flow statements in a consistent view. Compare revenue, margins and working capital across reporting periods.
Turn rows of balances and activity into charts that make changes, concentrations and aging patterns easier to review.
Bring the selected earnings basis, analyst adjustments and debt service together for historical and proposed-debt coverage analysis.
Trace a chart value or spread figure to its supporting document, with a bounding box highlighting the source amount.
Review balance sheets, income statements and cash flow statements in a consistent layout. Keep the company, reporting period and source document attached to the figures, so the analyst can move between the spread and the statement being reviewed.
Compare revenue, expenses, earnings and balance sheet changes across the periods provided. Monthly detail, where available, helps the analyst investigate seasonal movements and distinguish a change in timing from an ongoing trend.
Bring accounts receivable and accounts payable aging reports alongside the statements. Review the debt schedule and its obligations with bank activity and the related returns to identify differences that need an analyst’s attention.
Use the selected earnings basis, analyst adjustments and debt service to review coverage. Compare the historical analysis with a pro forma view that includes proposed debt, and keep the assumptions available when the results move into the credit memo.
This sample balance sheet separates cash, receivables, inventory and prepaid expenses. In the underwriting review, the analyst can inspect those components, compare periods and bring in the receivables aging report to understand what supports the reported working capital.
Explore the statements, aging reports, debt schedules and personal financial statements available for review. Integration details are in the docs.spreadspace.app.