Trace income to the right guarantor
Pair each K-1 with its supporting statements and recipient. Keep unresolved matches open for review before assigning the income to a person.
Jack Henry LoanVantage alternative for financial spreading
Establish which income belongs to each guarantor before using it in the credit case. SpreadSpace connects K-1 recipients, supporting schedules and source lines with the selected earnings and coverage analysis.
An extracted figure opens its supporting document with the printed line boxed.
About Jack Henry LoanVantage
Jack Henry LoanVantage is loan origination software with commercial lending and financial spreading.
Three reasons to choose SpreadSpace
Inspect schedules behind return totals
Review personal and business return detail, including depreciation and loss carryovers. Open the supporting document lines when a total needs explanation.
Carry the guarantee case into review
Place the selected borrower and guarantor exhibits in the lender’s memo. Keep each entity’s earnings basis and debt-service assumptions available to the next reviewer.
Compare SpreadSpace and Jack Henry LoanVantage
| Feature | SpreadSpace | Jack Henry LoanVantage |
|---|---|---|
| Guarantor evidence | ||
| Schedule K-1 statement pairing and owner linking | Pair K-1 statements using printed recipient information and match the recipient to the person on the loan. Leave unresolved matches for review. | Not verified |
| Tax detail with boxed source review | Extract personal and business returns with supporting schedules, K-1 detail, depreciation and carryovers. | Automated personal and business tax-return import accepts scanned and digital PDFs.Jack Henry tax spreading release |
| Boxed source lines inside the spread | Open the source document at the highlighted figure. Follow a derived amount into its supporting rows. | Not verified |
| Per-entity documents on one shared canvas | Review each person and business through its own documents, with K-1s, personal returns and financial statements grouped for the relevant person. | Not verified |
| Credit case and intake | ||
| Basis-aware EBITDA with line-level add-backs | Apply selected add-backs by entity and year using the chosen earnings basis. Retain the reported values and lender policy treatment. | Not verified |
| Per-entity DSCR from selected document lines | Save named DSCR configurations from selected earnings and debt-service lines, with optional interest and analyst write-ins. | Not verified |
| Company memo template with source-linked figures | Include the reviewed borrower and guarantor exhibits in the company memo template, with source context available. | Not verified |
| Uploads | Connect document intake to the lender’s loan workflow so submitted files reach the associated analysis. Scope the upload connection for the implementation. | Personal and business tax-return PDFs can be imported directly into LoanVantage spreads.Jack Henry tax spreading release |
Jack Henry LoanVantage 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.
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Jack Henry LoanVantage is a trademark of its owner. SpreadSpace is not affiliated with Jack Henry LoanVantage. This comparison reflects publicly available information as of September 2026.
Sources: Jack Henry commercial lending, Jack Henry loan origination, Jack Henry Lending tax return spreading release (2021), LoanVantage tax return spreading collateral (PDF), Jack Henry acquires Vanguard Software Group (2017), Independent Financial selects Jack Henry (2022), Jack Henry FinTech Breakthrough award release (2023), LoanVantage feature video, document imaging and reporting, Jack Henry developer docs, LoanVantage API, Jack Henry developer docs, LoanVantage API reference, COCC LoanVantage page, Jack Henry tax spreading release.