The #1 Jack Henry LoanVantage alternative for financial spreading

Every file that lands in the loan's inbox is forwarded by webhook the moment it arrives, with no manual upload, and the active loan links itself when the first document reaches SpreadSpace.

A versioned public API with three hand-typed SDKs, an end-to-end integration guide, and an agent skill file that wires the embed for you.

Extracted lines, spreads, and memos come back through the API, so the loan system stays the system of record.

Every line of Form 1065, Form 1120-S, Form 1120 and Form 1040 with their schedules, every Schedule K-1 in the packet, the supporting statement behind every overflow line and the per asset depreciation registers, so a large return yields several hundred lines with a box on every figure. Every parent return checks its own arithmetic, and a failing check ships as an underwriting signal beside the data.

Form 4562 is read in every part, and the preparer's per asset registers, the hundreds of pages behind the totals, are read row by row, with the printed asset fields retained and every printed register total checked against its rows. The register is its own tab on the return viewer with a source jump per asset row, and typed loss schedules retain loss sustained, previously applied and remaining carryforwards.

A workbook is triaged sheet by sheet across twelve sheet kinds, a comparative statement is fanned out per year, and periods scattered across tabs or across files are stitched into one standard statement with the rows aligned by label and nothing double billed.

A click opens the full source document with the exact line boxed. A figure placed in the memo keeps the source link, and a derived figure unfolds into its supporting rows.

Every derived figure unfolds into a folded derivation whose lines sum to it, from the book gain on disposed assets to book depreciation, capex, and every cash flow line, so the analyst checks the preparer's math instead of reading a line item.

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, the issuer behind every K-1, affiliates named in return statements, the personal return's pass through and qualified business income rosters, and related party receivable and payable lines. The schedule feeds the entity roster and re-tags matching bank counterparties to intercompany with the naming line boxed.

Each K-1 is bound to its own supporting statements by a cascade of printed name, partner number, page order and capital account, and its recipient is matched to a person on the loan by identifier, name and address, so a K-1 that lands days later still reaches the right guarantor. No fuzzy person matching exists anywhere, so an unmatched name stays unmatched rather than guessed.

Every business and person on the loan is reconciled from the documents' printed names, with spelling drift folded and the EIN last four splitting or uniting names, and appears in the entity selector, so cards from several filers sit on one canvas with no fixed cap on how many. A K-1, a personal return and a personal financial statement gather on the same person without hand linking.

When the affiliate schedule names a counterparty, its bank rows reclassify to intercompany on their own, even when the return arrives days after the statements, with the source line boxed. In an illustrative example, $9,000,000 moved from repairs to intercompany, 12% of operating outflows.

Every return is recorded on both a tax basis and a book basis, and the analyst can use either one or both. Book depreciation, book gain on disposed assets, and capex each unfold into the lines that sum to them.

An itemized statement of cash flows in three blocks, operating, investing, and financing, derived entirely from the return and footing to the net change in cash on Schedule L, with a bridge visual, the formal three-block table, and a P&L bridge for every return year.

Start from statements, spreadsheets, or the return on a book or tax basis, and the add-backs follow the basis the analyst chose. Every line from every document is available, as a list or by search, for all years or for one.

Coverage is configured per entity and per year from the documents' own lines, with debt service assembled from the Schedule L liability balances, the business debt schedule and the implied debt schedule from the bank statements, pro forma with proposed debt and historical, and saved as a named recipe on the loan that renders as its own card.

Every transaction from 234 registered bank layouts with its date, description, signed amount, check number, kind and page box, a balance for every day, and overdraft, insufficient funds, chargeback, returned item and service fee signals. Each transaction rolls up under a named counterparty in one of 58 classes across 13 sections, and every financing relationship, merchant cash advances included, is found from payment cadence and the transaction text.

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.

The spread is a canvas rather than a form. Every chart, table, KPI card, text box, line and comment pin lands where the pointer releases, drags anywhere, resizes from any edge and magnifies on its own axis, and the canvas grows sideways and downward as the work needs it.

A finished board saves as a global template that carries its visuals and arrangement to every loan of that type, re-aimed at that loan's filers, while comments, placed pictures, source links and loan bound cards stay behind on the loan that wrote them.

More than 100 charts, ratios, and KPIs built by institutional credit analysts, and a builder for your own graphs, tables, ratios, and KPIs.

Any extracted line becomes a graph, a ratio with real operators and per term multipliers, an aggregate or a KPI card, picked from a searchable list of the return's lines under thirteen groups, the company statements, the personal return and the personal financial statement, and the built visual keeps the source jump on every line it reads.

The lender's memo is rebuilt as a company template shared across the team, and spread visuals render as vector graphics in the memo. Figures keep their source links so reviewers can open the boxed line from the memo.

Analysts may edit an extracted value under an opt-in scope. The change writes through to the extraction itself, is audited and traceable, and reverses with one reset.

Every action, including undo and redo, is kept for up to seven years in an immutable log, and a change from last week reverses with one click without touching the actions that followed.

The analyst sets DSCR inputs and EBITDA add-backs per entity and year on the loan. Coverage recipes stay on that loan, while canvas templates carry the visual arrangement to later deals.