Use Case
Financial Spreading Software
AI-powered financial spreading that reads every line of every document and cites every number back to the source. Tax returns, financial statements, and bank statements — spread in minutes, not hours.
Financial spreading is the bottleneck in commercial underwriting
A single commercial deal can involve three years of tax returns for multiple entities and guarantors, interim financial statements, bank statements, rent rolls, and personal financial statements. Spreading that data manually takes 30-90 minutes per entity per year — and a complex multi-entity deal can require 10+ hours of data entry before analysis even begins.
Traditional spreading tools digitize the spreadsheet but don't eliminate the manual work. Someone still reads every page, finds every number, and types it in. Errors creep in. Audit trails are incomplete. And your most expensive employees — underwriters — spend their time on data entry instead of credit decisions.
AI-powered financial spreading changes this. Instead of humans reading documents, AI reads every line and extracts every value — with citations that trace back to the exact source page and line. The underwriter's job shifts from data entry to verification and judgment.
How It Works
How Aloan automates financial spreading
Document ingestion
Upload tax returns (1040, 1065, 1120, 1120-S), financial statements, bank statements, rent rolls, and 14+ other document types. PDFs, scans, and digital files all accepted.
AI reads every line
Aloan's AI doesn't just read headers and totals — it reads every line of every page, including footnotes, schedules, and supplementary data that manual spreading typically misses.
Structured spreads with citations
Financial data is extracted into your standardized spreading format. Every number includes a citation to the exact source document, page, and line item — creating a complete audit trail.
Ratios, trends, and flags
DSCR, leverage, liquidity, and custom ratios are calculated automatically. Year-over-year trends are identified. Anomalies, policy exceptions, and risk indicators are flagged for review.
Document Coverage
Every document type commercial lenders need
1040, 1065, 1120, 1120-S with all schedules (C, E, K-1, depreciation)
Audited, reviewed, compiled, and interim — balance sheet, income statement, cash flow
Multi-month analysis with average balance, NSF detection, and cash flow patterns
Tenant-level detail, occupancy analysis, lease expiration schedules
Property-level income and expense analysis for CRE deals
Guarantor net worth, liquidity, and contingent liability analysis
Tax return spreading automation
Tax return spreading is one of the most time-consuming tasks in commercial underwriting. A single 1065 partnership return can span 50+ pages with multiple K-1 schedules, depreciation details, and supplementary statements. Spreading three years of returns for a multi-entity deal can take an entire day.
Aloan's AI reads the full tax return structure — not just the summary pages. It follows data across schedules (matching K-1 income to the source partnership, tracing depreciation from Form 4562 to the appropriate schedule, reconciling officer compensation across Schedule E and W-2s), and produces a complete spread with every number cited to the exact source page.
The result: tax return spreads that would take 45-60 minutes per entity are completed in minutes, with an audit trail that lets your team verify any number in seconds.
Traditional spreading vs. AI-powered spreading
| Dimension | Traditional / Manual | Aloan AI Spreading |
|---|---|---|
| Time per entity/year | 30-90 minutes | Minutes |
| Data entry | Human reads and types every number | AI reads every line automatically |
| Audit trail | Varies — often incomplete | Every number cites source page & line |
| Error rate | Human error on repetitive data entry | AI extraction with instant verification |
| Tax return schedules | Manual cross-referencing across pages | Automatic schedule linking and reconciliation |
| Multi-entity deals | Hours to days of manual work | All entities processed in parallel |
| Ratio calculations | Manual formulas or separate tools | Automatic with configurable custom ratios |
| Examiner readiness | Depends on documentation practices | One-click source verification |
Frequently asked questions
What is financial spreading software?
Financial spreading software extracts data from financial documents — tax returns, financial statements, bank statements — and organizes it into a standardized format for credit analysis. It calculates ratios like DSCR, leverage, and liquidity, and provides the foundation for underwriting decisions. Traditional spreading tools require manual data entry; AI-powered spreading software reads documents automatically.
How does automated financial spreading work?
AI-powered financial spreading software reads financial documents (PDFs, scans, digital files), identifies line items, extracts values, and maps them to a standardized spreading template. Advanced systems like Aloan trace every extracted number back to the exact source document, page, and line — creating a full audit trail. The output includes calculated ratios, trend analysis, and flagged anomalies.
What documents can financial spreading software process?
Comprehensive financial spreading software processes tax returns (1040, 1065, 1120, 1120-S), audited and unaudited financial statements, interim financials, bank statements, rent rolls, operating statements, personal financial statements, and accounts receivable/payable aging reports. Aloan processes 14+ commercial lending document types.
How accurate is AI-powered financial spreading?
AI spreading accuracy depends on the system. Aloan's approach combines AI extraction with source-document citations — every number maps to the exact page and line of the original document. This means your team can verify any value in seconds rather than re-entering data manually. The citation model makes accuracy auditable, not just claimed.
Can financial spreading software handle tax return spreading?
Yes, but not all spreading tools handle tax returns well. Tax returns have complex multi-schedule structures (Schedule C, K-1, depreciation schedules, etc.) that require specialized parsing. Aloan is built to read and spread all standard IRS tax return forms, mapping data across schedules and calculating adjusted cash flow automatically.
What is the difference between manual spreading and automated spreading?
Manual spreading involves a human reading financial documents and typing values into a spreadsheet or template — typically taking 30-90 minutes per entity per year of financials. Automated spreading uses AI to read documents and extract values in minutes with full audit trails. The time savings compound on complex deals with multiple entities and multiple years of financials.
How does financial spreading software help with examiner reviews?
Examiners want to verify that underwriting analysis is accurate and well-documented. Financial spreading software with source-document citations — like Aloan — lets examiners click on any number and see exactly where it came from in the original document. This reduces exam friction and demonstrates rigorous credit analysis.
See AI spreading on your actual documents
Upload a tax return or financial statement. Get back a cited spread in minutes — every number traced to the source.
No setup fees · Deploy in days · Works with your existing LOS