Credit teams need borrower information they can review, discuss and carry into a lending decision.
This guide covers SpreadSpace's approach to supported document extraction, financial review, global cash flow analysis and stress testing.
No-AI financial data extraction
SpreadSpace extracts data from supported financial documents without AI extraction. Analysts and reviewers can use the resulting financial information in a credit workflow, with the supporting evidence available for review.
Cheaper to put to work
No-AI data extraction. No OCR. No offshore review shops. Better extraction pricing.
For supported financial documents, our data extraction uses no AI, no OCR and no offshore review shops. The advantage for your firm is lower extraction costs, with more of your budget available for credit review.
Pricing for your team and document volume.
SpreadSpace pricing is tailored to your organization and document volume.
Volume discounts are available for extraction.
That gives the firm a direct commercial advantage: more of its budget can support the credit work itself. As document volume grows, volume discounts help the economics grow with it.
Financial data for review
SpreadSpace brings supported borrower documents into a financial workspace where the numbers remain reviewable and the evidence remains available. That information supports spreading, credit discussion and later review.
Deterministic global cash flow analysis
A borrower relationship can span several businesses, guarantors and financial obligations.
Deterministic global cash flow analysis keeps the coverage results reviewable and the credit judgment with the lender. Analysts can consider the business and guarantor together, discuss the proposed debt and explain the resulting view to the people making the decision.
From documents to credit review
SpreadSpace helps move financial documents into the review workflow. The same financial work can support the workspace, an embedded experience and the firm's connected application.
Deterministic stress testing
Deterministic stress testing helps the team compare coverage cases and consider the downside with results it can review and explain.
Stress scenarios support the lending team's judgment. They give the firm another perspective on the credit request while leaving the decision with the people responsible for it.
Discuss your credit workflow
Bring your firm's document volume, review needs and lending workflow to a conversation about using SpreadSpace.