Credit and underwriting software
Four lending workflows. One connected credit review.
SpreadSpace connects the financial analysis behind SMB, middle market, real estate and mortgage lending. Move from borrower documents to a credit decision with the source evidence and your lending policy in view.
Start with the borrower relationship your team underwrites. Configure your credit template in minutes, apply it consistently, and make granular adjustments for the individual loan. No implementation fee.
World's fastest document processing
SpreadSpace's no-AI engine is capable of processing thousands of pages of tax returns, bank statements, and financial documents in 30 seconds or less. This includes complex and messy spreadsheets and PDFs.
Get the extracted financial data into the underwriting workflow while the file is still in front of you. Review the return, statement or spreadsheet with the resulting financial analysis, then move directly into cash flow, debt service and the credit memo.
Go straight to the highlighted source line
Trace borrower document data instantly to a bounding-boxed line on the source page of the original document. SpreadSpace opens the document at the relevant page and highlights the source line, so you can see exactly where a source-backed figure came from.
A page number and a line reference still leave the analyst searching. SpreadSpace brings the evidence into view. No staring and comparing: inspect the highlighted value, confirm its context, and return to the analysis. Derived figures expose their calculation and supporting inputs so the review can continue back to the source.
Four lending workflows. One connected credit review.
Choose the lending workflow for your borrower. Each product brings its financial analysis, source documents and credit assumptions into one review.
SMB
Tax returns, bank statements, financial statement analysis and global cash flow for small-business lending.
Middle Market
Financial statements, interim performance, complex borrower groups and debt service in one commercial credit review.
Real Estate
Property financial statements, adjusted NOI, sponsor support and debt service coverage for commercial real estate lending.
Mortgage
Borrower income, self-employment, rental properties and debt-to-income with the original evidence in view.
Your credit policy, ready for the next loan
Set your standard approach to personal cash flow, living expenses, distributions and debt service once. SpreadSpace applies the template to the financial review while letting your analysts adjust an individual loan. Income-based living-expense scaling, household-size floors and distribution preferences remain visible and editable.
Entity Linking Intelligence connects the business and the people behind it, preventing the same underlying cash flow from being counted twice in the linked global analysis. Keep your standard credit template and the specific facts of the borrower working together.
See your next credit file in SpreadSpace
Bring the borrower documents and the credit template your team uses today. See the processing, highlighted source evidence and connected cash-flow analysis in one review.