nCino 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.

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.

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.

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.

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.

Analyze accounts-receivable and accounts-payable aging by bucket and counterparty. Compare balances, past-due amounts and customer or vendor concentration across the supplied reporting dates.

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.

Analyze the guarantor's assets, liabilities, net worth, liquid assets and stated income. Open the supporting personal financial statement and inspect real estate and obligation detail alongside the personal return.

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 personal coverage from selected PFS income and supported payment schedules, including SBA 413 installment and real-estate obligations. Add separate analyst income or debt-service assumptions and inspect the annualized payment components.

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.

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 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.

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.

Compare bank-observed owner contributions and distributions with K-1 capital and distribution figures. Keep the supporting transactions and tax-return evidence available when investigating a difference.

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.

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.

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 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.

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.

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.

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.