The #1 Finastra CreditQuest alternative for financial spreading

One public API with an OpenAPI 3.1 contract, 82 operations across 13 resource groups, versions pinned by date stamp and kept for at least twelve months, idempotency keys with a 24-hour replay, three hand-written SDKs in TypeScript, Python and C#, fourteen signed webhook events and a skill file that lets a coding agent build both legs of the integration.

A webhook forwards every file that lands in a loan's inbox, the intake resolves or creates the borrower and the loan from your own reference, and a repeat submission lands on the same loan instead of a second one, so no one moves documents by hand.

Form 1065, Form 1120-S, Form 1120 and Form 1040 line by line with every schedule, every supporting statement anchored to its form line with its printed total checked, every Schedule K-1, Form 4562, Form 4797, Form 8825, Form 1125-A, Form 1125-E, Form 8990 and Schedule M-3, more than 500 lines on a large return with a box on every figure and arithmetic checks that ship as signals.

Each K-1 is bound to its own supporting statements by the printed partner name, the partner number stamp, page order and the capital account, its recipient is matched to a person on the loan by identifier, name and address with no fuzzy matching, and every later personal return, personal financial statement and K-1 for that person lands in the same pool.

Hundreds of pages of preparer depreciation and amortization registers are read asset by asset with cost, method, life, Section 179, bonus, prior, current and accumulated depreciation and dispositions, every printed register total checked against its rows, and the net operating loss carryforward schedule is typed year by year beside Form 8990 carryforwards, Form 8582 passive losses and Form 7203 basis.

Profit and loss statements, balance sheets, cash flow statements, receivable and payable agings, debt schedules and personal financial statements are read from PDF and from Excel to one standard, and a workbook whose periods are scattered across tabs or files is triaged, fanned out per year and stitched back into one statement that keeps every detail.

Every transaction with its signed amount, check number, kind and page box, a balance for every day, overdrafts, NSFs, chargebacks and returned items, every transaction resolved to a counterparty and classified into one of 58 classes across 13 sections, every financing relationship with its advances, repayments and implied payment cadence, merchant cash advances included, and the undisclosed accounts the transactions mention.

Every extracted figure opens its full source document with the line boxed on the page, inside the tab in your loan origination system, a figure summed from several lines boxes every line it was summed from, and the box follows the figure through the spread and into the memo.

Every return is recorded on both a tax basis and a book basis, and the analyst can use either one or both. Every derived figure folds open to a derivation whose lines sum to it.

A statement of cash flows in three blocks, operating, investing and financing, derived from the return and tied to the change in cash on Schedule L, drawn as a bridge and as the formal three-block table.

Adjusted EBITDA starts from the company's statements, from the return on a book basis or from page one ordinary business income on a tax basis, every printed line of the return is a candidate add-back with a checkbox per year, and the add-backs follow the basis the analyst chose.

DSCR is configured per entity and per year from the documents' own lines, pro forma with proposed debt service or historical from the balance the loan held at the start of the year, with every balance cell click to source, the bank statements' implied debt schedule and the business debt schedule available as legs, and each recipe saved by name on the loan and rendered as its own card so several entities' coverage sits side by side.

Every affiliated and intercompany entity named anywhere on the business and personal returns lands on one schedule, ownership link or not, K-1 or not, from the ownership tables on Form 1120 and Form 1120-S to the issuer behind every K-1, affiliates named in return statements and the related-party receivable and payable lines, and a named affiliate re-tags its matching bank counterparties to intercompany with the naming line boxed.

Every property on Form 8825, across continuation sheets, and each property on Schedule E Part I becomes a row with income, itemized operating expenses and printed depreciation, with years side by side. Each property keeps its source lines, while Form 4562 and the depreciation registers provide the supporting depreciation detail in the return viewer.

Every chart, table, KPI card, text box and comment pin is a block that lands where the pointer releases, drags anywhere, resizes from any edge and magnifies on its own axis from half size to three times, and the canvas grows on purpose to twelve panes wide and twenty four screens tall.

59 curated tax cards, 40 company reported cards, 13 personal return and personal financial statement cards, 14 personal KPI cards and 20 bank tiles with 7 bank KPI cards on four catalog tabs, plus card sets minted per partner, per owner and per K-1 issuer from the documents themselves, each a graph and table pair with click to source on every cell.

A builder with graph, ratio and KPI modes over a searchable pane of the loan's extracted lines from the filed return, the company statements, the personal return and the personal financial statement, with real operators and per-term multipliers, and a picker over every printed money line on every form, schedule and supporting statement of the return.

Every business and person on the loan is reconciled from the documents' printed names with the identifier's last four splitting or uniting respellings, appears in the entity selector and spreads on the same canvas with no fixed cap, so cards from several filers sit side by side and each resolves against its own entity's build.

A finished spread saves as a template that starts every loan of that type in one click and carries its visuals and arrangement, re-aimed at the new loan's filers, while comments, images and loan bound cards stay on the loan they were written on.

Up to twenty five analysts work one board with live cursors, selections, drags and typing, a colleague's save lands silently, comment threads pin to a chart, a table or a bare point with replies and resolve, and a highlighted selection in a text box links to a source line so the words open the same drawer at the same box.

Upload the memo your bank already uses as images, a PDF or a Word file and SpreadSpace rebuilds it as an editable template of text blocks, type-in grids and exhibit slots over the ghosted page, made once and shared across the team, or keep the Word file live with exhibits anchored into its flow.

Spread visuals import as a deep copy from the live workspace or any saved board, render as vector graphics that stay sharp at any size, place freely on the page, and keep their boxes, so a number placed in the memo still opens its full source document with the line boxed.

Any sentence in the memo can link to a document line through the four-door picker, tax returns, bank statements, financials and guarantor, the link opens the same drawer at the same highlight as the cell it came from, and the analyst writes the narrative in the lender's own template.

An analyst edits a figure or caption in place and the edit is a document scoped override that every derived figure above it follows, recorded with the printed label, the column, the previous value and the new one, reversible with a reset that logs its own row, and restating a figure is its own permission and an opt-in API grant.

The counterparty audit log lists every correction with who made it, an Undo on any row reverses a mistake from last week after later actions have piled on, and the undo is itself recorded rather than erasing the record of the edit.

Every action lands in an append-only log that a database trigger keeps from being edited or deleted, retained up to seven years on every plan, with the last ninety days live in the app, the full history exportable, and every jump from a figure to its source page recorded as a source view.

Finalize freezes the board into an immutable snapshot of 124 attributes and 21 ratios beside a machine twin built from the documents alone, fires a signed webhook, and your loan origination system reads the snapshot by id with every configured DSCR recipe under its own key.