SpreadSpace vs UPTIQ

The analyst works in the loan’s embedded tab with the source drawer, spreading canvas, and counterparty rollup in one place. The reviewed visuals also enter the lender’s memo.

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.

Each Schedule K-1 is paired with its own supporting statements and attached to the owner it names. Later K-1s, personal returns, and personal financial statements for that person join the same entity, and distributions remain available for analysis.

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.

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.

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.

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.

The affiliate schedule includes every affiliated and intercompany entity named in the business and personal returns, including K-1 issuers, corporate return affiliations, supporting statements, and related-party receivable and payable lines, whether or not an ownership link or K-1 exists. It feeds the entity roster and reclassifies matching bank counterparties as intercompany, with a link to the source line even when the return arrives later.

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.

Up to 25 analysts work on one board with live cursors, selections, drags, typing, and shared derivation folds. Comment threads pin to a visual or any canvas location, and linked prose opens the document line it discusses.

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.

Named businesses reconcile to entities holding their returns and statements, and people collect their K-1s, personal returns, and personal financial statements. Every entity appears in one selector and can be spread side by side on the same canvas.

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.

A source-backed figure imported into the memo opens the same boxed document line as the spread. Derived figures retain their supporting rows for review.

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.

Analyst classifications survive later automation and remain reversible under audit. With the opt-in permission scope, an extracted value can be edited and reset, and derived figures above that value reflect the change.

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.

Transactions that cannot be classified with confidence appear in their own under-review section. Candidate relationships carry review actions, and an analyst’s confirmed classification takes precedence over later automation.