SpreadSpace vs Ocrolus

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.

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.

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.

Separate operating inflows and outflows from financing, owner activity, internal transfers, affiliate transfers, taxes and personal spending. Inspect and correct the classification before using the totals in the credit analysis.

Compare balance, cash-flow and liquidity views across selected accounts and reporting periods. Open a plotted period to inspect its component transactions and daily running balances.

SpreadSpace supports Plaid and Finicity data aggregation uploads for cash flow analysis.

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.

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.

Separate financing repayments from operating expenses, owner activity and transfers. Compare the classified flows across statement periods and inspect the transactions behind each total.

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.

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. Follow source lines and calculate NOI and adjusted NOI for the selected properties.

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.

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.

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.

Export extraction data as CSV or JSON, with XLSX also available for bank statements. Retrieve finalized financial attributes and credit-memo PDFs through the API for the lender's downstream workflow.

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.

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.

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 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.

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.

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.