Financial Spreading
Every statement and tax return spread in minutes, global cash flow built, each number cited to its page.
Why it matters
Analysts retype statements and tax returns line by line into spreadsheets, then trace K-1s across entities by hand, hours per borrower and all at year-end.
How the solution handles it
Six agents read every statement and return, map each line to your chart of accounts, build the spread and global cash flow, calculate ratios and flag what doesn’t tie. The credit analyst reviews every judgment call and approves the spread.
How a statement moves
Six specialist agents read, map, spread and check every statement, including global cash flow; a credit analyst reviews and approves every spread.
What it reads, and what it hands back.
What goes in
- Audited and CPA-reviewed statements
- Business tax returns and K-1s
- Personal tax returns and PFS
- Interim and management accounts
- ITR, GST returns, CMA data
What comes out
- Spread in your template and chart of accounts
- Global cash flow and DSCR
- Ratios and covenant tests
- Variance list with sources
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Proven = in production at a global asset manager · “Target” = design goal, measured in the live solution · by-hand time = typical, published vendor estimates (BeSmartee; Finastra) · agents = the live solution’s configuration
6 specialist agents. One person decides.
In production at a global asset manager: 200,000 spreadings a year across 65+ jurisdictions, every number cited.In production
More in this division.
Every deal package sorted, checked for gaps and summarised the day it lands, not days later.
Credit MemoA cited credit memo drafted from the spread, the file and your policy, ready for committee in hours.
Agreement AbstractionEvery credit agreement and amendment turned into a cited term sheet the whole bank can trust.
Build this
for your team.
We’ll show Financial Spreading running on your own documents.