Review the spread before using it
Open the return lines and supporting statements behind the spread. Inspect derived cash-flow inputs and differences before relying on the result.
SpreadSpace vs FlashSpread
Take the extracted spread through the earnings decision and into the memo. SpreadSpace keeps reported figures, tax-to-book differences and selected adjustments identifiable throughout that review.
An extracted figure opens its supporting document with the printed line boxed.
About FlashSpread
FlashSpread converts tax returns into financial spreads and cash-flow analysis for lending.
Three reasons to choose SpreadSpace
Resolve the earnings adjustment
Choose the earnings basis, then select add-backs by line and year. Save the configuration under the lender’s policy while retaining the reported amount.
Carry reviewed figures into the memo
Use the reviewed financial exhibits in the lender’s memo template. Keep the explanation and supporting source context available before delivering the completed analysis.
Compare SpreadSpace and FlashSpread
| Feature | SpreadSpace | FlashSpread |
|---|---|---|
| From extraction to earnings | ||
| Tax-return spreading | Extract business and personal tax returns with supporting schedules, statements, K-1s and depreciation detail. | Automated tax-return spreading.FlashSpread product workflow |
| Document source review | Open source-backed amounts at highlighted document regions. Expand calculated figures into the contributing rows. | Not verified |
| Entity cash flow | Derive operating, investing and financing cash flows from return income, Schedule L changes and supporting detail. Inspect any difference from reported cash movement. | Entity cash flow analysis.FlashSpread product workflow |
| Earnings basis | Reconcile ordinary business income with income per books through M-1 or M-3 adjustments and supporting statements. | Not verified |
| Policy and completed analysis | ||
| Named EBITDA configurations | Save named EBITDA configurations using selected source lines, years and add-backs while retaining reported values. | Not verified |
| Institution-wide credit policy | Set institution-wide adjustment treatment for earnings and rental analysis, with full, partial or excluded treatment and loan-specific exceptions. | Not verified |
| Credit memo | Place reviewed exhibits and the analyst’s explanation in the lender’s memo template, with source-linked figures available. | Not verified |
| Finalized financial attributes | Finalize versioned financial attributes, configured ratios and adjustments for API retrieval, alongside reported figures and source document IDs. | Not verified |
FlashSpread 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.
Example: take a tax spread into a memo
Example review using a fictional loan.
An analyst is reviewing a business return before writing the credit memo. A proposed earnings adjustment needs a source check and an explicit explanation.
Documents for the review
- Business tax return and supporting schedules
- Guarantor return where relevant
- Analyst’s proposed earnings adjustment
- Lender’s credit memo template
Check the reported figure
Open the available source link from the spread and inspect the relevant return line or supporting statement. Keep the reported amount distinct from the adjustment being considered.
Review the earnings basis
Select the earnings basis and review the adjustments that belong in that analysis. Add the analyst’s write-in where needed rather than changing the reported return figure.
Use the reviewed analysis in the memo
Place the selected analysis in the lender’s memo template, with the supporting figures and source context available for the next reviewer.
The memo reflects a reviewed earnings analysis with an identifiable reported amount, adjustment and supporting document.
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
FlashSpread is a trademark of its owner. SpreadSpace is not affiliated with FlashSpread. This comparison reflects publicly available information as of September 2026.
Sources: FlashSpread product workflow, BeSmartee commercial lending.