Sageworks alternative for financial spreading

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.

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.

Form 1065, Form 1120-S, Form 1120 and Form 1040 line by line, with every schedule, every supporting statement behind every overflow line, every Schedule K-1, Form 4562, Form 4797, Form 8825, Form 1125-A, Form 1125-E, Form 8990 and Schedule M-3, so a large return yields more than 500 lines with a box on every figure and arithmetic checks that ship as signals.

Each K-1 is bound to its own supporting statements by the printed partner name, the partner number stamp, page order and the capital account, its recipient is matched to a person on the loan by identifier, name and address with no fuzzy matching, and every later personal return, personal financial statement and K-1 for that person lands in the same pool.

Hundreds of pages of preparer depreciation and amortization registers are read asset by asset, with cost, method, life, Section 179, bonus, prior, current and accumulated depreciation and dispositions, every printed register total checked against its rows. The net operating loss carryforward schedule is read year by year beside Form 8990 interest carryforwards, Form 8582 passive losses, Form 7203 basis and the preparer's comparison worksheet.

Profit and loss statements, balance sheets, cash flow statements, agings, debt schedules and personal financial statements are read from PDF and from Excel to one standard, and a workbook whose periods are scattered across tabs or files is triaged, fanned out per year and stitched back into one statement that keeps every detail.

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.

Every extracted figure opens its full source document with the line boxed on the page, inside the tab in your loan origination system, and the box follows the figure through the spread and into the memo. A return in the drawer carries a table of contents that jumps to any populated section.

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 to the issuer behind every K-1, the affiliates named in return statements and the related-party receivable and payable lines, and the schedule re-tags matching bank counterparties to intercompany with the naming line boxed and feeds the entity roster.

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.

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.

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.

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.

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.

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.

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.

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.

Any sentence in the memo can link to a document line through the four-door picker, tax returns, bank statements, financials and guarantor, and the link opens the same drawer at the same highlight as the cell it came from.

An analyst edits a figure or caption in place and the edit is a document scoped override that every derived figure above it follows, recorded with the printed label, the column, the previous value and the new one, reversible with a reset that logs its own row, and restating a figure is its own permission and an opt-in API grant.

The counterparty audit log lists every correction with who made it, and an Undo on any row reverses a mistake from last week after later actions have piled on, with the undo itself recorded rather than erasing the record of the edit.

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.

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.