Set the policy before the exception
Apply institution-wide treatment for supported expenses, then select the loan-specific exceptions. The analyst can see which reported lines contribute to adjusted earnings on the selected basis.
SpreadSpace vs UPTIQ
SpreadSpace connects institution policy to the judgment required for an individual loan. Review each entity’s income basis, selected exceptions and coverage inputs before carrying the analysis into the memo.
An extracted figure opens its supporting document with the printed line boxed.
About UPTIQ
UPTIQ provides underwriting software for spreading, credit review and policy workflows.
Three reasons to choose SpreadSpace
Keep business and guarantor inputs separate
Pair K-1s with their supporting statements and owners. Compare businesses and guarantors on one canvas while choosing each entity’s income and debt-service inputs.
Review the judgment behind coverage
Save named DSCR configurations by entity and year. Inspect selected debt-service lines, interest and write-ins, then use the memo to explain the assumptions behind the recommendation.
Compare SpreadSpace and UPTIQ
| Feature | SpreadSpace | UPTIQ |
|---|---|---|
| Policy and entity inputs | ||
| Tax lines and supporting schedules | 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. | Spreads business and personal tax returns, K-1s, and financial statements.UPTIQ underwriting agent |
| K-1 statements paired to owners | 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. | Identifies guarantors and borrowing entities and analyzes K-1 distributions.UPTIQ underwriting agent |
| Analyst-controlled analysis settings | Set institution-wide adjustment policies for tax-basis EBITDA, book-basis EBITDA, rental NOI and Schedule C. Apply full, partial or excluded treatment to supported expense concepts, reuse book-basis policy on company financials and make loan-specific exceptions. | Not verified |
| EBITDA add-backs that follow basis | 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. | Not verified |
| Coverage and credit record | ||
| Coverage inputs and DSCR | 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. | Policy ratios and global cash flow with global DSCR.UPTIQ underwriting agent |
| Source-document review | 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. | Source bounding boxes and field-level review in Document AI.UPTIQ Document AI |
| Company memo with source-linked exhibits | 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. | Memo drafts matched to the lender's format and approval framework.UPTIQ underwriting agent |
Setup
| Detail | SpreadSpace | UPTIQ |
|---|---|---|
| Integration scope | Embed loan-bound document review and financial analysis, including the memo builder. Receive signed webhook events and retrieve structured results, finalized financial values and memo PDFs. | Underwriting agents configured around lender policy, scorecards and memo formats.UPTIQ underwriting agent |
UPTIQ 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
UPTIQ is a trademark of its owner. SpreadSpace is not affiliated with UPTIQ. This comparison reflects publicly available information as of September 2026.
Sources: UPTIQ homepage, UPTIQ underwriting agent for commercial lending, UPTIQ commercial lending overview, UPTIQ Document AI, UPTIQ security page, UPTIQ developer documentation.