The #1 Sageworks alternative for financial spreading

One public API with an OpenAPI 3.1 contract, 82 operations across 13 resource groups, date-stamped versions kept for at least twelve months, idempotency keys, 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.

Form 1065, Form 1120-S, Form 1120 and Form 1040 line by line, with every schedule, every supporting statement behind every overflow line, every Schedule K-1, Form 4562, Form 4797, Form 8825, Form 1125-A, Form 1125-E, Form 8990 and Schedule M-3, so a large return yields more than 500 lines 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. The net operating loss carryforward schedule is read year by year beside Form 8990 interest carryforwards, Form 8582 passive losses, Form 7203 basis and the preparer's comparison worksheet.

Profit and loss statements, balance sheets, cash flow statements, 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, every financing relationship with its advances, repayments and implied payment cadence, 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, and the box follows the figure through the spread and into the memo. A return in the drawer carries a table of contents that jumps to any populated section.

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, is derived from the return, ties to the change in cash on Schedule L, and renders 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, and the add-backs picker lists the return's printed lines with a checkbox per year. 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 the bank statements' implied debt schedule, the business debt schedule and the balance sheet available as document-backed legs, saved as a named recipe on the loan and rendered as a card, so several entities' coverage sits side by side on one board.

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, the affiliates named in return statements and the related-party receivable and payable lines, and the schedule re-tags matching bank counterparties to intercompany with the naming line boxed and feeds the entity roster.

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 where every chart, table, KPI card, text box and comment pin lands where the pointer releases, drags anywhere, resizes from any edge and magnifies on its own axis, and the canvas grows on purpose to twelve panes wide and twenty four screens tall.

Four catalogs on one Add graph door, 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, plus card sets minted per partner, per owner and per K-1 issuer from the documents themselves, every one 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 in four catalogs, the filed return, the company statements, the personal return and the personal financial statement, with real operators and per-term multipliers for ratios, 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, split or united by the identifier's last four, 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, carrying its visuals and arrangement, with a template applied per entity, 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, comment threads pin to a chart, a table or a bare point on the canvas 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, made once and shared across the team, or keep the Word file live with exhibits anchored into its flow.

Spread visuals import as vector graphics that stay sharp at any size and place freely on the page, the figures are re-derived on the server at print time, and every figure keeps its box, 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, and the link opens the same drawer at the same highlight as the cell it came from.

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, and an Undo on any row reverses a mistake from last week after later actions have piled on, with the undo 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 and the full history exportable, and every jump from a figure to its source page is itself recorded.

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.