- From raw statements to cash flow analytics in minutes
- 16× faster than the leading cash flow analytics tool
- Every transaction traced back to its statement line
- Tax returns — 1040, 1120, 1120S and 1065
- Business and personal bank statements
- Personal and company financial statements
- Integrate the API or embed the full workspace
- Runs inside the LOS your team already uses
- One day integration time
- Embedded UI served to your LOS
- Spread and write memos with colleagues in real time
- Pin comment threads directly to visuals
- Every action audited and logged
- Click a number, land on the source line
- A bounding box on the document, not a page citation
- Drill any total down to the itemized sum that foots to it
- Vector graphics that stay sharp at any size
- PII retrieval stays audit-logged inside the memo
- Click-to-source keeps working in the memo
- Multiple businesses and guarantors on one canvas
- Set global DSCR once and reuse formulas across spreads
- Apply a saved spread configuration to any new loan
- Build a template in minutes, reuse it forever
- No limit on how many templates you keep
Supercharge your lending workflowwithout compromising due diligence
- Financial document extraction
- Cash flow analytics
- Live, collaborative spreading and credit memos
Documents shouldn’t slow your team down
With near-instant extraction on tax returns, K-1s, financial statements, and bank statements, SpreadSpace helps you secure deals by being faster.
Auditability through traceability
Turn an hour-long explanation of your team’s memos and spreads into a five-minute interactive presentation that remains defensible without the author in the room.
With SpreadSpace, you can explain the analysis to the credit committee today, and an auditor can review it 10 months later.
Trusted by auditors
See Joseph's testimonyEvery figure in the spread traces back to the source. So does every component behind it.
When a loan goes into default a year or two after origination, the numbers in the file have lost their context, and an examination can run anywhere from several hours to several days depending on how much paperwork the deal involved.
SpreadSpace preserves that context in the spreads and the memos: every figure traces back not just to its highlighted line on the source document, but to the components that make up that figure.
I'm not hunting for the pieces of an operating lease liability — the entire composition is in front of me in three seconds, right on the return or the financial statements. It's absolutely brilliant.
Alternative financing
The financing relationships that aren’t on the debt schedule.
We don’t just detect financing, we show the full timeline of payments and advances between the borrower and the financier from the first advance to the last paydown.
- MCA
- Revenue-based financing
- Receivables factoring
- Shareholder loans
Undisclosed accounts
Instantly identify the hidden business bank accounts
We keep a running ledger of every internal transfer that came from an account outside of the uploaded bank statements.