Commercial lending underwriting software
Connect the financial review from borrower documents to credit memo.
SpreadSpace™ supports the financial-analysis work inside commercial underwriting: document extraction, spreading, source review and memo preparation. Keep the evidence and the analyst's explanation connected throughout the review.
Work in SpreadSpace or embed the experience in your existing loan origination system. The lender retains control of credit judgment and approval.
Start with the question the credit file needs to answer
A document package is not yet an analysis. The team still needs to understand reported performance, the sources of repayment and the assumptions supporting the proposed loan.
SpreadSpace organizes the financial information for that work. Analysts can move from a summary into its supporting detail and carry the explanation into the memo. The aim is a review another person can follow, not merely a completed collection of fields.
Review each source for what it tells you
Business and guarantor tax returns
Review returns alongside their schedules and supporting statements. Keep the business, the individual and the reporting year distinct as you examine the financial picture.Explore tax return underwritingCompany financial statements
Compare balance sheets, profit and loss statements and cash flow statements. Bring aging reports and debt schedules into the discussion of working capital and repayment capacity.Explore financial statement analysisBank activity
Inspect deposits, withdrawals, balances and transaction detail. Use that evidence to investigate the activity behind a cash-flow change rather than relying on a summary alone.Explore bank statement analysisConnect the borrower and guarantors
A review may involve several businesses, owners or properties. The useful view is the one that shows those relationships without losing the identity of each source.
SpreadSpace supports business and guarantor analysis together, with global cash flow and debt-service coverage views. Property-level analysis is also available for supported rental information. The analyst selects the assumptions relevant to the deal and examines the evidence behind them.
Verify personal income
Pay stubs, W-2s, payroll exports and personal returns read into one monthly income view, employer by employer, with the source behind every figure. The underwriter determines qualifying income under the program's rules.
Support private equity deal teams
General partners verify a target from the documents in the data room, test the leverage it can carry, then read each portfolio company's statements and tax returns every period. All of it runs on the same spread, with every figure traced to its page and the exhibits carried into the memo in the firm's template.
Support M&A financial analysis and valuation
Investment banks, M&A advisers and corporate development teams work the sell side and the buy side in the same workspace. Spread the target's filings and the data room, build the valuation in the spreadsheet and deliver the report in the firm's format, with every exhibit traced to its source.
Make the review explainable to the next person
A credit officer may need to understand the spread without having assembled it. A later reviewer may need to revisit the financial basis of the decision.
Source-backed figures and contributing detail help support that handoff. Rather than asking the original analyst to remember where a number came from, the reviewer can examine the information attached to the work.
The written explanation still matters. Credit memo preparation belongs close to the analysis so the exhibits, assumptions and narrative can be reviewed together.
Fit the financial-analysis layer into your process
Keep your existing lending systems. Use SpreadSpace for the financial work between the borrower documents and the completed credit memo.
An institution can use the workspace directly. A lending platform can embed the analyst experience and retrieve approved financial data through the API. Scope the integration around your authentication, document intake and downstream data requirements.
Review the complete financial workflow
Start with the borrower documents and follow the work through spreading, source review and the credit memo. Evaluate how clearly the result can be explained to the next person responsible for the loan.