Financial spreading software for commercial lending

Bring business and personal returns, company financial statements and bank statements into the same review. Keep supporting debt schedules and aging reports available alongside the financials they help explain.

Borrowers and guarantors can be reviewed together without collapsing their documents or financial positions into one undifferentiated total. That distinction matters when a business's earnings, an owner's income and a proposed debt obligation all contribute to the credit discussion.

Tax and book basis

Review supported return figures on a tax basis, a book basis or both, with add-backs configured separately for each basis.

Cash flow from the return

Operating, investing and financing blocks derived from the return tie to the change in cash and can be reviewed as a bridge or a three-block table.

A source-backed figure opens its supporting document at the highlighted line. For supported derived figures, the analyst can inspect the contributing rows rather than stopping at the displayed total.

Consider a liability amount that combines several reported components. The useful question is not only “Does the total match?” It is also “What is included?” Seeing those components alongside the source gives the reviewer a way to understand the composition before deciding how to use it.

The reported figure and the lender's analytical treatment are different things. Keep that distinction visible.

SpreadSpace supports configurable add-backs, ratios and debt-service coverage views. Analysts can work with the relevant earnings basis and loan-specific assumptions, then review the resulting analysis alongside the documents supporting it.

For multi-entity deals, continue into the business and guarantor view without losing track of the individual sources of repayment.

Credit policy

Credit officers configure permitted add-backs, while analysts can save loan-specific configurations for exceptions.

DSCR per entity and year

Configure historical and pro forma coverage per entity and reporting year, using balance sheet liabilities, debt schedules and bank-statement detail.

Rental property analysis

Review supported Form 8825 and Schedule E rental information by property, including income, itemized expenses and depreciation across reporting years.

Save a spread configuration and apply it to another loan rather than rebuilding the arrangement from the beginning. Reusable templates give analysts a starting point while the new borrower's documents supply the figures to examine.

A template is a consistent way to organize work, not a substitute for checking the new credit file. The analyst still evaluates the reporting periods, supporting schedules, adjustments and exceptions relevant to that borrower.

A reviewer should be able to ask about a figure where the figure is being reviewed.

SpreadSpace supports shared analysis and comments attached to the work. Analysts and reviewers can discuss a visual, inspect its evidence and resolve the question in context instead of relying on a separate explanation of where to look.

Use the institution's memo format and bring selected spread exhibits into the write-up. Analysts write the narrative around the analysis, while source-linked figures remain available for review in the workspace.

The memo is the explanation of the credit, not simply the last place its numbers were pasted. Keep the exhibits and their supporting evidence connected as that explanation takes shape.