Keep each entity’s evidence distinct
Review the business and each guarantor with their own periods and documents. Follow outside K-1 income and distributions back to the issuer, recipient and supporting statement.
nCino alternative for financial spreading
Review the borrower and each guarantor before returning figures to the loan workflow. SpreadSpace keeps outside K-1 interests, supporting return detail and analyst adjustments connected to the completed financial review.
An extracted figure opens its supporting document with the printed line boxed.
About nCino
nCino is a banking platform that includes commercial lending and financial spreading.
Three reasons to choose SpreadSpace
Inspect the supporting return detail
Open schedules and statements behind reported totals, including depreciation and carryover detail. Use highlighted sources to examine the lines that affect the review.
Return reviewed figures to the loan
Finalize the analysis to preserve selected adjustments and financial ratios. Retrieve those reviewed values and source document IDs through the API for the lender’s data handoff.
Compare SpreadSpace and nCino
| Feature | SpreadSpace | nCino |
|---|---|---|
| Guarantor and return evidence | ||
| Personal financial statement | Review a guarantor’s assets, obligations and stated income alongside the personal return. Open the personal financial statement for supporting detail. | Not verified |
| Outside K-1 interests | Keep each K-1’s issuer, recipient, income, distributions and capital detail with its supporting statements. | Not verified |
| Tax returns and statements | Extract business and personal returns with their supporting schedules, K-1s, depreciation and carryover detail. | Automated spreading of tax returns and financial statements.nCino automated spreading |
| Source review | Open source-backed amounts at the highlighted document region. Expand calculated figures to inspect their contributing rows. | Not verified |
| Review decisions and handoff | ||
| Institution-wide credit policy | Apply institution-wide adjustment policies for earnings and rental analysis, with loan-specific exceptions and full, partial or excluded treatment. | Not verified |
| Reusable spread templates | Use a saved layout with the new loan’s data while retaining the original loan’s comments and sources in its own review. | Not verified |
| Credit memo | Build a credit memo from institution templates, analyst narrative and selected business and guarantor exhibits. | Credit memos use stored information and institution templates.nCino credit analysis |
| Finalized financial attributes | Retrieve finalized financial attributes, DSCR configurations and adjustments through the API, with source document IDs and separate reported figures. | Not verified |
nCino 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: review a borrower with two guarantors
Example review using a fictional loan.
A business loan has two guarantors. One also supplies a K-1 from an outside business, so the reviewer needs to establish which income and distributions belong to each person.
Documents for the review
- Borrower business return and K-1s
- Each guarantor’s Form 1040
- Outside business K-1 and supporting statement
- Personal financial statements
Establish the entities and years
Review the borrower return and each guarantor separately. Check the tax year and ownership relationships before combining the information in the credit analysis.
Trace the outside interest
Open the K-1 issuer, recipient and supporting statement. Compare reported income and distributions with the guarantor’s return, keeping the business result separate from cash received by the person.
Carry the reviewed analysis forward
Review the source documents and analyst adjustments, then include the selected business and guarantor analysis in the memo. Revisit the relationship if another return or statement arrives.
The credit review identifies which business, person and period support each included figure.
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
nCino is a trademark of its owner. SpreadSpace is not affiliated with nCino. This comparison reflects publicly available information as of September 2026.
Sources: nCino automated spreading, nCino credit analysis.