Financial Spreading Software

Our loan origination software includes a powerful financial spreading feature that allows you to analyze a borrower’s financial statements and tax returns in a standardized format. This helps you assess the borrower’s creditworthiness and evaluate the risk of lending to them.


By using our financial spreading software, you can streamline the process of analyzing financial information and make informed lending decisions more efficiently. Our software’s financial spreading capabilities are designed to meet industry standards and can be customized to fit your specific needs. Whether you are a bank, credit union, or other lending institution, our financial spreading software can help you manage risk and make confident lending decisions.


It also includes an electronic tax return reader that can import PDF tax returns and automatically populate spreadsheets with the relevant financial information. This saves time and reduces the need for manual data entry, allowing you to focus on analyzing the data rather than inputting it and comes with a range of customizable spread templates that allow you to organize and analyze financial data in a way that makes sense for your business. You can create your own templates or use one of the pre-built ones provided by our software.

Financial spreading is an essential tool for managing risk in lending. By analyzing a borrower’s financial information in a standardized format, you can better understand their ability to repay their obligations and make informed decisions about the risk of lending to them. Our financial spreading software includes a risk rating feature that allows you to assign risk ratings to borrowers based on objective and subjective measures, helping you to justify and standardize your risk assessments.


In addition to individual loan analysis, our financial spreading software includes portfolio reporting capabilities that allow you to segment and analyze your entire loan portfolio. This can help you identify trends and patterns within your portfolio and focus on the areas that need the most attention.


Economic conditions and external factors can change over time, and it is important to regularly evaluate a borrower’s ability to repay their obligations. Our financial spreading software includes a stress testing feature that allows you to assess how well a borrower would be able to handle changes in cash flow, interest rates, and other variables. This can help you manage risk and make informed lending decisions.

Save valuable time in reducing the need for manual data entry by importing a PDF tax return for automated spreading.


Electronic Tax Return Reader

Entire tax forms and supporting schedules import in seconds

Support for IRS Forms 1120, 1120X, 1065, 1040 

Support for IRS supplemental schedules C, E, F, L, M1, M2 and Form 8825

Spread reconciliation assures accuracy of the data being imported

Suntell surpassed our expectations. Not only with their software, but with their customer service as well. The rule of thumb I always ask myself after a software installation is, ‘would I make the same decision again,’ and in this case there is no doubt whatsoever, we definitely made the right decision.

Trisha L Vice President Agriculture and Commercial Lending


Ensure credit-granting is in line with your institution’s credit risk strategy with an in-depth credit analysis of your borrowers.


Quantify the credit risk on and off the balance sheet with ratios, custom measures and scoring.


Keep a pulse on credit risk over time by viewing changes in risk ratings.


Integrate your analyses seamlessly with loan committee presentations and the approval process.

Customer-Reported Results

1 %

of our customers experienced improved asset quality

1 %

of our customers reported improved ROA

1 %

of our customers experienced improved efficiency

1 %

of our customers reported we had helpful customer support 

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