SpreadSpace vs Suntell

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.

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.

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.

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.

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.

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.

Every transaction in statement order with its date, printed description, signed amount, and type, wire and ACH descriptions split into who sent it, who received it, and what it was for, a balance for every single day, and overdrafts, NSFs, chargebacks, and returned items counted. Statements group into accounts automatically, so you spread one account, several, or all of them.

Where the money came from, where it went, and what was left, day by day, with transfers between the borrower's own accounts kept out of the operating numbers and owner draws and personal spending set apart. Liquidity bands the lowest, average, and highest balances, any day opens the transactions behind it, and every figure links back to its statement page.

Every lender the statements reveal, advances and repayments relationship by relationship, merchant cash advances, and financing spotted from payment cadence and transaction text such as a loan payoff note.

Transactions roll up by named counterparty into income and expense classes with 24 operating outflow subclasses. Uncertain classifications remain in an under review section, an analyst confirmation groups matching transactions, and overrides persist through reprocessing with an audit record.

When a later return names a counterparty as an affiliate, the rollup reclassifies it, even days after the statements landed. In an illustrative example, $9,000,000 moved from repairs to intercompany, 12% of operating outflows, and the row's document link opens the boxed source line.

Accounts the transactions mention with no statements uploaded are named by bank and last four digits, each with the transactions that revealed it, and the flag clears itself as statements arrive. Top customers and vendors rank by share, and an implied debt schedule builds from bank activity alone.

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.

An itemized statement of cash flows derived from the tax return alone, in three blocks for operating, investing, and financing, footing to the net change in cash on Schedule L, with a bridge visual and the formal three-block table, plus a fully itemized book-basis P&L bridge for every return year.

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.

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.

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.

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.

Edits to extracted values run under an opt-in scope, change the extraction itself, stay traceable in the audit, and reverse with a 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.