SpreadSpace vs Aloan

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.

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.

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.

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.

Form 4562 is read in every part, and the preparer's per asset registers, the hundreds of pages behind the totals, are read row by row, with the printed asset fields retained and every printed register total checked against its rows. The register is its own tab on the return viewer with a source jump per asset row.

Net operating loss carryforward schedules come in as typed rows of loss sustained, previously applied, remaining and available this year, with Form 8990 interest limitation carryforwards, Form 8582 passive losses, Form 6198 at risk limits and Form 7203 basis limits read into their own objects.

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.

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.

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.

Build property-level schedules from Form 8825 and Schedule E with income, itemized expenses and depreciation across years. Calculate NOI and adjusted NOI for selected properties using credit policy, property- and year-specific adjustments and write-ins. Keep the underlying return values and source lines available for review.

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.

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.

Group transactions by counterparty with money in, money out, net activity, classification and relationship. Filter the underlying payments and inspect financing advances, repayments and payment cadence. Correct a transaction or counterparty classification and retain the analyst's choice in the saved review. Inspect the correction history with actor and change details, and use the review controls to reverse a correction.

Accounts the transactions reference with no statement uploaded are listed by bank and last four with the transactions that revealed them, and an implied debt schedule states every financing relationship with advances, repayments, net, cost of capital and the payment cadence the remittances imply.

The spread is a canvas rather than a form. Every chart, table, KPI card, text box, line and comment pin lands where the pointer releases, drags anywhere, resizes from any edge and magnifies on its own axis, and the canvas grows sideways and downward as the work needs it.

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.

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.

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.

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.

An analyst edits a figure or caption in place, the override applies before every derivation above it, each edit records the label, the column and the previous and new state on the spreading log, and a revert restores the extracted figure with its own log row. Restating a figure is its own permission and its own opt-in API grant.

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.

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.