Replace repeated entry with source review
Extract tax-return figures and supporting detail into the analysis. Check the document behind a value before using it in the credit exhibit.
SpreadSpace vs manual spreading in Excel
Spend the review on the figures and decisions instead of entering them again. SpreadSpace links extracted values to their documents and reuses the lender’s layout while keeping each loan’s assumptions separate.
An extracted figure opens its supporting document with the printed line boxed.
About manual spreading in Excel
Manual spreading uses analyst-maintained workbooks to enter financial figures, calculate ratios and prepare credit exhibits.
Three reasons to choose SpreadSpace
Keep the formula attached to evidence
Inspect grouped financial results through their contributing lines and source documents. Keep entity and period context available while reviewing the calculation.
Reuse the analysis without old assumptions
Apply a saved layout to the next loan’s data. Keep prior comments and source links with the original review, then choose the new loan’s coverage inputs.
Compare SpreadSpace and Manual spreading
| Feature | SpreadSpace | Manual spreading |
|---|---|---|
| Entry and calculation review | ||
| Tax detail with boxed source review | Extract tax-return lines, schedules and supporting statements for review, reducing repeated entry of the same figures. | Not verified |
| Boxed source lines inside the spread | Open the document at the highlighted source figure. Expand calculated amounts into supporting rows. | Cell hyperlinks can open linked files or worksheet locations.Microsoft Excel links |
| Align workbook periods across tabs and files | Align financial periods across tabs and files. Expand grouped totals into reported lines and retain their source context for calculation review. | Formulas can link cells across worksheets and workbooks.Microsoft Excel workbook links |
| Reusable canvas layouts without loan comments | Reuse the visual arrangement with the new loan’s data. Keep old comments and source links with the original loan. | Not verified |
| Loan context and teamwork | ||
| Per-entity documents on one shared canvas | Group each person’s and business’s documents for review, then select the entity and period for the exhibits. | Not verified |
| Figure corrections and reclassification | Record figure or classification corrections with an audit history. Reset errors through the review controls. | Show Changes records cell edits, authors, times and previous values.Microsoft Excel Show Changes |
| Company memo format rebuilt as editable blocks | Build editable credit exhibits and narrative in the company memo format, retaining source-linked figures in the workspace. | Not verified |
| Shared canvas with comments pinned to visuals | Review together using live presence and comments pinned to visuals or locations. Retain saved revisions and source-linked discussions. | Supported Microsoft 365 workbooks allow simultaneous editing.Microsoft Excel co-authoring |
Manual spreading 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
This comparison reflects publicly available information as of September 2026.
Sources: RMA, The RMA Guide to Spreading Financial Statements, ABA, Analyzing Business Financial Statements and Tax Returns course, ProSight Financial Association, Reconsidering Excel in financial services, Microsoft Excel co-authoring, Microsoft Excel workbook links, Microsoft Excel links, Microsoft Excel Show Changes.