SpreadSpace vs manual spreading in Excel

Submit documents before borrower setup is complete. A shared application reference keeps subsequent submissions on the same borrower and loan, while status responses and signed webhooks track processing.

A versioned public API with three hand-typed SDKs returns every extracted line. A skill file lets a coding agent wire the integration.

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. 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.

Each K-1 is bound to its own supporting statements by a cascade of printed name, partner number, page order and capital account, and its recipient is matched to a person on the loan by identifier, name and address, so a K-1 that lands days later still reaches the right guarantor. No fuzzy person matching exists anywhere, so an unmatched name stays unmatched rather than guessed.

Per-asset depreciation registers, net operating loss carryforwards and the affiliates named in return statements remain available as detailed rows. Each supporting line retains its source document for review.

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. Compare annual and monthly financial results by entity and reporting period. Keep each series tied to its source documents when building trend charts, ratios and year-over-year tables.

Inspect bank transactions with dates, descriptions, signed amounts and account context. Analyze monthly inflows and outflows, daily balances, transfers, overdrafts and returned-item signals, then open the underlying statement evidence. Build an implied debt schedule from observed bank advances and repayments. Inspect the underlying transactions and use payment cadence where the history supports it, while keeping inferred payments distinct from contractual terms.

A click opens the full source document with the exact line boxed. A figure placed in the memo keeps the source link, and a derived figure unfolds into its supporting rows.

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.

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.

Select individual return lines or supporting-statement items and apply full or percentage adjustments to chosen years. Keep the reported amount visible and prevent a selected subtotal and its component item from being counted twice. 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.

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.

Every affiliated and intercompany entity named anywhere on the business and personal returns lands on one schedule, ownership link or not, K-1 or not, from the ownership tables on Form 1120 and Form 1120-S, the issuer behind every K-1, affiliates named in return statements, the personal return's pass through and qualified business income rosters, and related party receivable and payable lines. The schedule feeds the entity roster and re-tags matching bank counterparties to intercompany with the naming line boxed.

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. Build NOI and adjusted NOI from each property's rental income, expenses, interest, depreciation and amortization. Save property- and year-specific adjustment selections and write-ins with the underlying return values still visible.

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.

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.

Every business and person on the loan is reconciled from the documents' printed names, with spelling drift folded and the EIN last four splitting or uniting names, and appears in the entity selector, so cards from several filers sit on one canvas with no fixed cap on how many. A K-1, a personal return and a personal financial statement gather on the same person without hand linking.

Any extracted line becomes a graph, a ratio with real operators and per term multipliers, an aggregate or a KPI card, picked from a searchable list of the return's lines under thirteen groups, the company statements, the personal return and the personal financial statement, and the built visual keeps the source jump on every line it reads.

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.

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. 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.

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.

An analyst can override any classification or, with an opt-in API scope, edit an extracted value. Each change is logged and can be reset.

Keep recorded correction events in an append-only audit history with the actor, time and change details. Inspect old and new values for financial figure edits, use Undo controls for counterparty corrections and restore saved analysis revisions.

The log lists every change in order. An analyst can undo a specific one from last week without unwinding the changes made since.