SpreadSpace vs Casca

Submit documents before borrower setup is complete. A shared application reference keeps subsequent submissions on the same borrower and loan, while status responses and signed webhooks track processing.

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.

Inspect transaction dates, descriptions, signed amounts and balances against bank statements. Review observed advances, repayments and payment cadence while keeping inferred debt service distinct from contractual terms.

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.

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.

Choose full or percentage add-backs for selected lines and years on the chosen income basis. Reported amounts remain visible, and selecting a subtotal and its component does not count the expense twice.

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 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.