Investigate the financing payment
Open the counterparty’s advances and repayments, then inspect the statement transactions behind the pattern. Compare observed payments with the uploaded debt schedule before selecting annual debt service.
SpreadSpace vs Ocrolus
Explain the payments that affect commercial coverage. SpreadSpace connects financing transactions, uploaded debt schedules and tax-return owner activity to the analyst’s historical and proposed debt case.
An extracted figure opens its supporting document with the printed line boxed.
About Ocrolus
Ocrolus provides document processing, cash-flow analysis and income calculations for lending.
Three reasons to choose SpreadSpace
Reconcile bank and tax evidence
Compare owner contributions and distributions in bank activity with K-1 capital and distribution figures. Keep the periods and supporting documents identifiable when investigating differences.
Explain the proposed debt case
Save the earnings basis and selected debt-service inputs, then add proposed annual payments to the pro forma review. Preserve historical coverage for comparison.
Compare SpreadSpace and Ocrolus
| Feature | SpreadSpace | Ocrolus |
|---|---|---|
| Financing evidence | ||
| Source review | Open a transaction’s original statement evidence and inspect the highlighted amount before relying on a bank total. | Transaction details show the original document with the transaction highlighted.Ocrolus transactions |
| Counterparty activity | Group payments by counterparty, then inspect advances, repayments and payment cadence. | Transactions show available counterparties and support counterparty filters.Ocrolus transactions |
| Implied debt schedule | Infer financing activity from observed advances and repayments. Keep the supporting transactions available and distinguish payment patterns from contractual terms. | Not verified |
| Debt schedule reconciliation | Extract lender, balance, payment, rate, maturity and collateral detail. Select annual payment lines for coverage alongside bank activity and return liabilities. | Not verified |
| Coverage and reviewed output | ||
| Shareholder distributions | Compare bank-observed contributions and distributions with the owner’s K-1 figures. Retain both sets of evidence when reviewing a difference. | Not verified |
| Historical and proposed coverage | Save historical and pro forma DSCR using a selected earnings basis, debt-service lines and analyst write-ins for proposed payments. | Not verified |
| Debt and expense reporting | Separate financing repayments from operating expenses, owner activity and transfers. Inspect the transactions behind each period’s totals. | Excel exports include monthly debt and expense information.Ocrolus analytics exports |
| Finalized financial attributes | Finalize financial attributes, coverage configurations and analyst adjustments for API retrieval, with separate reported figures and source document IDs. | Not verified |
Ocrolus 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: investigate an unlisted financing payment
Example review using a fictional loan.
A commercial borrower supplies monthly bank statements and a debt schedule. Repeated payments to a financing counterparty need explanation before the lender adds a new loan.
Documents for the review
- Monthly business bank statements
- Borrower debt schedule
- Business tax return
- Proposed loan terms
Open the financing activity
Group the payments by counterparty, inspect advances and repayments, and open the supporting statement transactions. Treat the pattern as evidence to investigate, not proof of a particular loan type.
Reconcile and record debt service
Compare the activity with the borrower’s debt schedule. If an obligation needs to be included, record the analyst’s annual debt-service assumption and the evidence used to support it.
Review the proposed coverage
Select the borrower and earnings basis, review historical debt service, then include the proposed annual payment in a pro forma DSCR. Revisit the underlying activity if the assumption changes.
The review produces an explained debt-service input and a proposed coverage view, with the financing evidence available to the analyst.
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
Ocrolus is a trademark of its owner. SpreadSpace is not affiliated with Ocrolus. This comparison reflects publicly available information as of September 2026.
Sources: Ocrolus cash flow analytics, Ocrolus Analyze, Ocrolus analytics exports, Ocrolus transactions, Ocrolus rental income, Ocrolus mortgage income analysis, Ocrolus Detect.