SpreadSpace vs Suntell

A webhook forwards each file the moment it lands in the loan's inbox, AI screening and splitting sort a mixed upload into its documents before extraction, and the loan links itself when the first document arrives.

A versioned public API with three hand-typed SDKs, HMAC-signed webhooks, an end-to-end integration guide for developers, and an agent skill file for everyone else.

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.

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.

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.

No figure on a tax return or a financial statement comes from a language model. Extraction is proprietary, and AI handles document screening and splitting.

Every transaction in statement order with its date, printed description, signed amount, and type, wire and ACH descriptions split into who sent it, who received it, and what it was for, a balance for every single day, and overdrafts, NSFs, chargebacks, and returned items counted. Statements group into accounts automatically, so you spread one account, several, or all of them.

Where the money came from, where it went, and what was left, day by day, with transfers between the borrower's own accounts kept out of the operating numbers and owner draws and personal spending set apart. Liquidity bands the lowest, average, and highest balances, any day opens the transactions behind it, and every figure links back to its statement page.

Every lender the statements reveal, advances and repayments relationship by relationship, merchant cash advances, and financing spotted from payment cadence and transaction text such as a loan payoff note.

Transactions roll up by named counterparty into income and expense classes with 24 operating outflow subclasses. Uncertain classifications remain in an under review section, an analyst confirmation groups matching transactions, and overrides persist through reprocessing with an audit record.

When a later return names a counterparty as an affiliate, the rollup reclassifies it, even days after the statements landed. In an illustrative example, $9,000,000 moved from repairs to intercompany, 12% of operating outflows, and the row's document link opens the boxed source line.

Accounts the transactions mention with no statements uploaded are named by bank and last four digits, each with the transactions that revealed it, and the flag clears itself as statements arrive. Top customers and vendors rank by share, and an implied debt schedule builds from bank activity alone.

Every return is recorded on both a tax basis and a book basis, and the analyst can use either one or both. The math sits under each derived figure as a folded derivation whose lines sum to it, from the book gain on assets disposed to book depreciation and capex, so the analyst checks the preparer's math instead of reading a line item.

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

Start from the company's statements or spreadsheets, from the return on a book basis or from the tax basis that begins at ordinary business income. Add back any line from any document, from one scrolling list or by search, for all years or one, and the add-backs follow the basis the analyst chose.

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 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.

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.

More than 100 charts, ratios, and KPIs curated by institutional credit analysts, a builder for custom graphs, tables, ratios, and KPIs with no practical limit, and every figure on any of them one click from its boxed source line.

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.

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.

Edits to extracted values run under an opt-in scope, change the extraction itself, stay traceable in the audit, and reverse with a reset.

Every action, including undo and redo, is retained for up to seven years in an immutable log, and a mistake from last week reverses from the log without disturbing the actions made since.