Contact Us | 800.248.5550

Statement Spreading and Analysis

Streamline your underwriting by effectively balancing consistency and flexibility.

Standardized Input Consistent Output Flexible Process

Standardized Input

Easy data entry in familiar spreadsheet templates for tax returns and financial statements

Reduce time spent modifying Excel spreadsheets and formulas with our clear, intuitive templates for business, personal and CRE financials, pre-set with a standard chart of accounts, and tax returns mapped line by line to IRS forms. Add Sub accounts and Schedules with just a few clicks.

From your first deal in FISCAL SPREADING, our simplified data entry gets you to analysis quickly, so your time is focused on the things that matter.

Consistent Output

Clear, concise presentation and analysis in easy-to-read, one-page reports

Eliminate confusion and frustration of dealing with inconsistent Excel- and Word-based reports where order, format and content vary from person to person. Our summary reports highlight key information for decision makers, while finely-tuned expanded versions offer clean, logical layouts, so anyone can quickly recognize and assess important details.

Report options can be easily saved and easily changed, producing predictable reports focused on your priorities.

Schedule a Demo

See how easy it is to make the switch and start seeing the benefits of FISCAL SPREADING.

Flexible Process

Quick, convenient adjustments with built-in capacity to capture real-world scenarios

Avoid the headache of rigid systems intended for large banks with large borrowers submitting audited financials. Our spreads accommodate the reality that tax returns may not accurately reflect cash flow, so you can adjust it directly and substitute CPLTD with Debt Service entries. Responsive Global Cash Flow options let you include the businesses, people and loans in each deal.

We understand how small community banks work, so our approach keeps you focused on getting the job done.

Do what YOU do. Better, faster, and more easily.

FISCAL SPREADING Features

Global Cash Flow

  • Multiple Businesses
  • Multiple People
  • Multiple Loans
  • Flexible Calculation Options

Business and Personal Spreads

  • Tax Returns
  • Annual or Interim Financial Statements
  • Projections
  • Trailing Twelves

20+ Standard Reports

  • Executive Summary
  • Detailed Analysis
  • One-click Narrative
  • RMA Benchmark Comparisons
  • 300+ unique graphs and charts

Credit Memos

  • Fully-editable in Microsoft Word
  • Highly customizable
  • Use multiple templates for different purposes

CRE Sensitivity

  • Stress Tests by Vacancy, Interest and Capitalization Rates
  • Rent Rolls
  • DSCR & LTV Sensitivity

Our Tools Work the Way You Work.

Still have questions? Let’s talk.

Call 800.248.5550

or

Email Us

Drop Us a Line

Fill out the form and we will contact you shortly.

CAPTCHA image

This helps us prevent spam, thank you.

Contact Us | 800.248.5550

Monday – Friday, 9:00 – 5:30 ET