SpreadSpace vs FlashSpread

Extract Forms 1040, 1065, 1120 and 1120-S with supporting schedules and statements. Work with return lines, Schedule K-1 detail, depreciation and loss carryovers in the same financial review.

Analyze company balance sheets, income statements and cash-flow statements by reporting period. Compare annual or monthly results with liquidity, leverage and margin calculations alongside the tax-return analysis.

Build property-level schedules from Form 8825 and Schedule E with income, itemized expenses and depreciation across years. Follow source lines and calculate NOI and adjusted NOI for the selected properties.

Organize company statements into consistent financial categories, with current and noncurrent assets, liabilities and equity kept distinct. Expand grouped totals into their underlying reported lines, with readable labels and the source detail retained.

Click a source-backed figure to open the document at its highlighted region. Expand a derived figure into the contributing rows and follow those rows back to their sources.

Reconcile return revenue and expenses to ordinary business income and then to income per books. Inspect M-1 or M-3 adjustments and supporting-statement detail, including any remaining difference, through the tax-to-book bridge.

Record analyst write-ins alongside selected document-line adjustments. Keep the reported figure, selected basis and amount of the adjustment identifiable.

Set institution-wide adjustment policies for tax-basis EBITDA, book-basis EBITDA, rental NOI and Schedule C. Apply full, partial or excluded treatment to supported expense concepts, reuse book-basis policy on company financials and make loan-specific exceptions.

Derive operating, investing and financing cash flows from the return's income, Schedule L changes and supporting detail. Compare the calculated change in cash with the return's reported change and inspect the contributing rows.

Break out a guarantor's wages, interest, dividends, business income and pass-through interests. Compare reported income with K-1 distributions and rental activity while retaining the person, year and source document.

Arrange borrower and guarantor charts, tables, ratios and notes on a shared financial-analysis canvas. Select entities and periods for the exhibits and save the layout with the loan.

Keep K-1 issuers, recipients, income, distributions and capital detail linked to their supporting statements. Review outside interests with the guarantor's Form 1040 and follow the source behind the income or cash received.

Embed document review and financial analysis, including the memo builder, in the lender's application. Bind the session to a loan and analyst identity, with explicit controls for uploads, corrections and saving the analysis.

Process documents and retrieve structured results with the public API and TypeScript, Python or C# SDKs. Receive signed lifecycle webhooks and fetch period-by-period financial attributes after the analyst finalizes the spread.

Build the lender's memo from reusable templates, analyst narrative and selected spread exhibits. Keep source-linked figures available in the memo workspace, then export the completed credit write-up.

Finalize the spread to save versioned financial attributes and ratios with separate tax-return, book-basis and company-reported figures. Retrieve configured DSCR, custom ratio results and analyst adjustments through the API, alongside a documents-only comparison and source document IDs.

Select tax-return or company-financial-statement inputs, then choose EBITDA add-backs by line and year. Save named configurations and apply the lender's adjustment policy while keeping reported values identifiable.

Save named DSCR configurations for each entity using adjusted EBITDA from tax returns or company financial statements. Select debt-service lines, optional interest and analyst write-ins, then compare historical and pro forma coverage.

Extract a debt schedule's lender, balance, payment, rate, maturity and collateral detail. Use selected annual payment lines in the DSCR configuration alongside return liabilities and bank-derived financing activity.

Save an analysis layout as a reusable template for later loans. Reapply the selected visuals and arrangement to the new loan's data while keeping loan-specific comments and source links with the original review.

Build custom graphs, ratios and aggregate statistics from searchable financial lines. Choose the operands and coefficients, compare results across periods and inspect the source rows behind the calculation.

Work together with live canvas presence and comment threads pinned to a visual or location. Link financial figures in the discussion to their source documents and retain saved revisions of the analysis.

Analyze accounts-receivable and accounts-payable aging by bucket and counterparty. Compare balances, past-due amounts and customer or vendor concentration across the supplied reporting dates.

Request a PDF render of a saved credit memo through the API and retrieve the finished file for the loan record. Finalized memos retain a fixed PDF, with webhook events signaling when that document is ready.