SpreadSpace vs HES LoanBox

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.

Each Schedule K-1 is paired with its own supporting statements and attached to the owner it names. Later K-1s, personal returns, and personal financial statements for that person join the same entity, and distributions remain available for analysis.

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.

Arrange borrower and guarantor charts, tables, ratios and notes on a shared financial-analysis canvas. Select entities and periods for the exhibits and save the layout with the loan.

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.