Abrigo alternative for financial spreading

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.

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 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.

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.

Extract a debt schedule's lender, balance, payment, rate, maturity and collateral detail. Use selected annual payment lines in the DSCR configuration alongside return liabilities and bank-derived financing activity.

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.

Add separate, named debt-service amounts for proposed debt, leases or obligations that need an analyst assumption. Keep those write-ins separate from extracted creditor payments.

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.

Keep historical and pro forma DSCR configurations distinct. Select the debt-service components and add proposed annual debt service as a write-in so reviewers can follow the change in coverage.

Select tax-return or company-financial-statement inputs, then choose EBITDA add-backs by line and year. Save named configurations and apply the lender's adjustment policy while keeping reported values identifiable.

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.

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.

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 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.

Keep K-1 issuers, recipients, income, distributions and capital detail linked to their supporting statements. Review outside interests with the guarantor's Form 1040 and follow the source behind the income or cash received.

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.

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.

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.

Embed document review and financial analysis, including the memo builder, in the lender's application. Bind the session to a loan and analyst identity, with explicit controls for uploads, corrections and saving the analysis.

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.

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.