Start from the lender’s methodology
Reuse the team’s analysis layout and select the financial lines for custom graphs and ratios. Apply that structure to the new loan’s documents.
SpreadSpace vs Aloan
Build each loan’s spread from the lender’s methodology. SpreadSpace keeps reusable layouts, chosen calculations and explicit credit policy connected to the evidence behind the memo.
An extracted figure opens its supporting document with the printed line boxed.
About Aloan
Aloan is commercial underwriting software for borrower information, credit review and memo preparation.
Three reasons to choose SpreadSpace
Open the calculation behind the number
Expand a calculated figure into its contributing rows, then open the supporting document lines. Review tax-to-book differences before choosing the earnings basis.
Keep policy decisions explicit
Apply the institution’s adjustment policy and record loan-specific exceptions. Keep reported amounts visible beside the selected treatment.
Compare SpreadSpace and Aloan
| Feature | SpreadSpace | Aloan |
|---|---|---|
| Methodology and calculations | ||
| Reusable canvas layouts without loan comments | Reapply a saved canvas layout to the new loan’s data. Keep the original loan’s comments and source links with its own review. | Not verified |
| Source-linked visual catalog and custom builder | Choose financial lines, operators and coefficients for custom graphs and ratios. Inspect the source rows behind each result. | Not verified |
| Derivations behind every figure | Expand derived figures into contributing rows and follow source-backed inputs to the highlighted document region. | Not verified |
| Tax basis and book basis | Reconcile ordinary business income to income per books using M-1 or M-3 adjustments and supporting statements. Inspect any remaining difference. | Not verified |
| Basis and completed review | ||
| Statement of cash flows from the return | Derive operating, investing and financing cash flows from return income, Schedule L changes and supporting detail. Compare the result with the reported cash change. | Not verified |
| Basis-aware EBITDA with line-level add-backs | Choose tax or book basis, then apply full or partial add-backs to selected lines and years under the lender’s policy. Retain reported values. | Not verified |
| Company memo template with source-linked figures | Place reviewed exhibits and analyst narrative in the company memo template, with source-linked figures available in the memo workspace. | Generated memo figures link to source documents.Aloan commercial underwriting |
| Finalized financial snapshot | Finalize a versioned set of financial attributes, ratios and analyst adjustments. Retrieve separate reported and adjusted results through the API. | Not verified |
Aloan information is drawn from the linked public material, reviewed September 2026. Not verified means this comparison does not establish that capability; it does not mean the product lacks it.
Pricing for your team and document volume.
No-AI data extraction. No OCR. No offshore review shops. Better extraction pricing.
SpreadSpace pricing is tailored to your organization and document volume.
Volume discounts are available for extraction.
Also compare
Aloan is a trademark of its owner. SpreadSpace is not affiliated with Aloan. This comparison reflects publicly available information as of September 2026.
Sources: Aloan home page, Aloan comparison hub, Aloan commercial underwriting product, Aloan pricing, Aloan FAQ, Aloan AI security.