SpreadSpace gives SBA and small commercial lenders the return detail, source review, and controllable cash-flow analysis behind a credit decision. Casca is a loan origination platform, while SpreadSpace puts the analyst’s spread and memo inside the lender’s existing system.
An extracted figure opens its supporting document with the printed line boxed.
SpreadSpace places the return’s tax and book views within the analyst’s reach, with derivations that open into their source lines. The analyst selects EBITDA adjustments by year and configures each entity’s DSCR from the documents. A reviewer can follow the choices that produced the ratio.
SpreadSpace puts every entity on the loan on one canvas, where the analyst arranges charts, tables, ratios, and notes freely. A team can compare the borrower and guarantors, open derivations together, and pin comments to the exact item under review. Saved templates preserve the arrangement for the next loan.
SpreadSpace rebuilds the lender’s memo as a company-wide template and imports the reviewed spread visuals at full SVG fidelity. Figures retain their source links, and the analyst writes the narrative around the evidence. Committee review can follow the same numbers and calculations that supported the spread.
SpreadSpace is the stronger choice for the detailed underwriting work on an SBA or small commercial loan. Analysts can reconcile the business return to book income, review each guarantor’s K-1 distributions, and compare rental income and expenses by property across years. Every source-backed figure opens the document line, and the lender’s memo carries the same reviewed visuals. Casca’s origination platform makes application processing the organizing workflow; SpreadSpace gives the analyst a canvas for examining the evidence behind the decision.
| Feature | SpreadSpace | Casca |
|---|---|---|
| Integration | ||
| Versioned API and typed integration guides A public, versioned API includes three typed SDKs, an end-to-end integration guide, and an agent skill file. The integration forwards uploaded files and retrieves extracted data and finalized spread attributes. | Included | Not demonstrated |
| Loan-inbox webhook and automatic linking A webhook forwards each file arriving in the loan’s inbox to SpreadSpace. The active loan links when the uploaded document arrives, and the extracted lines return through the API. | Included | Not demonstrated |
| Documents and extraction | ||
| Tax lines and supporting schedules SpreadSpace extracts every credit-bearing line on Forms 1040, 1065, 1120, and 1120-S with supporting statements, depreciation and amortization schedules, net operating loss history, and affiliated entities. A large return can yield more than 500 usable lines, each retaining its source detail. | Included | Not demonstrated |
| 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. | Included | Not demonstrated |
| Statement periods rebuilt across workbooks Audited and unaudited financial statements spread with their own line detail, and Excel periods scattered across tabs or files are rebuilt into a standardized statement. Matching statements for the same entity and year can combine complementary periods while retaining the underlying source detail. | Included | Not demonstrated |
| Bank transactions, balances, and relationships SpreadSpace extracts the printed transactions and daily balances, identifies overdrafts, NSFs, chargebacks, and returned items, and groups activity by counterparty. Financing activity carries advances, repayments, net flows, and observed payment cadence into an implied debt schedule, with uncertain classifications visible for review. | Included | Not demonstrated |
| Boxed sources through canvas and memo Source-backed figures open the full document with the line boxed, from the spread and imported memo visuals. Derived totals fold open into the contributing rows, and each source-backed row opens its own document line. | Included | Not demonstrated |
| Analysis | ||
| Tax basis and book basis SpreadSpace records every return on both a tax basis and a book basis, including depreciation, amortization, and disposition gains or losses, and the analyst can use either one or both. Each derivation opens into its component lines, and unavailable book attributes remain unavailable rather than becoming guessed values. | Included | Not demonstrated |
| Return-derived cash flow tied to Schedule L An itemized statement of cash flows derives from the return in operating, investing, and financing blocks, with a bridge and a table that reconcile to the change in cash on Schedule L. | Included | Not demonstrated |
| EBITDA add-backs that follow basis The analyst starts from company statements, the return’s book income, or ordinary business income on a tax basis and chooses add-backs by entity and year. Add-backs follow the basis the analyst chose, with attached statement items available individually. | Included | Not demonstrated |
| Return-derived affiliates and bank reclassification The affiliate schedule includes every affiliated and intercompany entity named in the business and personal returns, including K-1 issuers, corporate return affiliations, supporting statements, and related-party receivable and payable lines, whether or not an ownership link or K-1 exists. It feeds the entity roster and reclassifies matching bank counterparties as intercompany, with a link to the source line even when the return arrives later. | Included | Not demonstrated |
| Rental income and expenses by property Form 8825, including continuation sheets, and Schedule E Part I become rental-property schedules with income, itemized operating expenses, and depreciation shown with years side by side. Each property’s expense fold retains its printed depreciation line, while Form 4562 and the attached depreciation register provide the supporting detail in the return viewer. | Included | Not demonstrated |
| Source-line DSCR by entity and year The analyst configures DSCR per entity and per year from the documents’ own lines, with historical and pro forma views using proposed debt service. Named recipes save on the loan, and each entity’s calculation appears on the same canvas without combining the entities into one DSCR figure. | Included | Not demonstrated |
| Working the spread | ||
| Freeform multi-entity spreading canvas Every business and person on the loan can share one canvas, with no fixed entity cap, and the analyst places, drags, resizes, and groups charts, tables, ratios, and text freely. More than 100 curated visuals and the custom builder provide source-linked graph and table views. | Included | Not demonstrated |
| Reusable layout without loan-specific notes A saved template carries the spread’s visual arrangement and custom graph definitions into another loan of that type. Loan-specific comments, images, source links, property selections, and configured DSCR cards stay out of the template. | Included | Not demonstrated |
| Borrowers and guarantors on one canvas Named businesses reconcile to entities holding their returns and statements, and people collect their K-1s, personal returns, and personal financial statements. Every entity appears in one selector and can be spread side by side on the same canvas. | Included | Not demonstrated |
| Company memo with source-linked exhibits The lender’s existing memo becomes a company-wide template built once and shared by the team, using the same blocks as the spread. Imported charts and tables render at full SVG fidelity, move freely on the page, and keep their source links through memo review. | Included | Not demonstrated |
| Control and audit | ||
| Analyst-controlled analysis settings Analysts change the spread’s settings, choose its book or tax view, and select source-line adjustments without a configuration project. DSCR is configured on the loan for each entity and year. | Included | Not demonstrated |
| Persistent classification and value overrides Analyst classifications survive later automation and remain reversible under audit. With the opt-in permission scope, an extracted value can be edited and reset, and derived figures above that value reflect the change. | Included | Not demonstrated |
| Archived actions with targeted undo Spreading and reporting actions, including undo and redo, enter an immutable archive retained for up to seven years. The analyst can inspect an earlier action and undo it, while board and memo version histories also support restoration. | Included | Not demonstrated |
| Detail | SpreadSpace | Casca |
|---|---|---|
| Product shape | SpreadSpace is an unbranded spreading and analysis workspace embedded as a tab in the lender’s loan origination system. | Loan origination platform for government-guaranteed and small commercial lending. |
| Time to embed the workspace | Embedding the workspace and wiring the upload webhook takes a day. | Two weeks. |
Casca column from its public material, reviewed September 2026. An x marks a feature that material does not demonstrate.
Yes, for the commercial spreading, analysis, and memo workflow. SpreadSpace extracts the document detail, gives the analyst a shared canvas, and carries reviewed exhibits into the lender’s own memo template. The lender’s origination system continues to hold the loan record.
A day. The embedded workspace and the upload webhook are the two pieces. A developer follows the versioned API guide, or a coding agent follows the integration skill file, and extracted lines return through the API.
The spread includes the credit-bearing lines and supporting statements on business and personal returns, including depreciation, amortization, net operating loss history, and affiliations. A large return can produce more than 500 usable lines. Tax and book views retain their own derivations, and every source-backed line can open its boxed position on the document.
Each K-1 stays paired with its own supporting statements and attaches to the owner it names. Later personal returns, personal financial statements, and K-1s for that person join the same entity. The analyst can compare those guarantors with the borrower on one canvas while keeping each calculation’s entity and basis clear.
Form 8825 and Schedule E Part I become schedules of rental income, itemized operating expenses, and depreciation with years side by side. Form 8825 properties continue across continuation sheets, and each Schedule E Part I property retains its expense detail. The expense fold shows the printed depreciation line, with asset detail available in the return viewer’s depreciation register.
A source-backed figure opens the document with the line boxed. A derived total opens the contributing rows so the reviewer can follow the calculation and its source lines. Imported memo visuals retain those links, and the lender’s company-wide template keeps the committee’s format.
The analyst chooses EBITDA add-backs on the selected book or tax basis and configures DSCR per entity and year as a named recipe on the loan. Classification overrides survive later automation, and an opt-in permission allows extracted values to be edited and reset under audit. Shared comments, action history, and board revisions preserve the review around those choices.
The embedded workspace is bundled with the cost of extraction. Contact sales for a quote based on the lender’s document volume and workflow.
Casca is a trademark of its owner. SpreadSpace is not affiliated with Casca. This comparison reflects publicly available information as of September 2026.
Sources: Casca homepage, Casca small commercial lending, Casca credit analysis, Casca trust and security, Casca Series A announcement, Casca Series A press release on PR Newswire.