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Comapny
Commercial Lending Automation
Modernize your
commercial
lending process.
FlashSpread converts raw financial documents into accurate DSCR and cash flow analysis in seconds — so your team funds deals, not spreadsheets.
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Watch Video
FlashSpread — Entity Cash Flow
Line Item
2021
2022
2023
Gross Revenue
2,840,000
3,120,000
3,450,000
Cost of Goods
1,104,600
1,184,600
1,207,500
Gross Profit
1,735,400
1,935,400
2,242,500
Operating Exp.
892,000
941,000
988,000
EBITDA
843,400
994,400
1,254,500
Debt Service
412,000
412,000
412,000
DSCR
2.05×
2.41×
3.04×
12×
Faster deal review
Teams close more in less time
99%
Data accuracy
OCR + AI proprietary algorithms
2
Sprint integration
Embeddable API, live in days
Automated Spreading
From raw document to structured data — in seconds.
Drag-and-drop any tax return. FlashSpread's OCR and proprietary AI parse, validate, and surface errors before they reach an underwriter. No manual rekeying. No missed fields.
Supports all major tax form types
Instant error and omission detection
Year-over-year comparison built in
FlashSpread — Entity Cash Flow
Line Item
2021
2022
2023
Gross Revenue
2,840,000
3,120,000
3,450,000
Cost of Goods
1,104,600
1,184,600
1,207,500
Gross Profit
1,735,400
1,935,400
2,242,500
Operating Exp.
892,000
941,000
988,000
EBITDA
843,400
994,400
1,254,500
Debt Service
412,000
412,000
412,000
DSCR
2.05×
2.41×
3.04×
Instant Credit Analysis
Replace spreadsheets with live, auditable financial spreads.
Generate balance sheets, income statements, entity and individual cash flows, and global analysis on demand. Every figure traces back to source documents.
Balance sheets & income statements
Entity + individual cash flow
Global analysis with audit trail
Form 1120S — Uploaded
Parsed ✓
Ordinary Business Income
$1,254,320
Net Rental Income
$84,000
Interest Income
$12,440
Depreciation (added back)
$198,600
Amortization (added back)
$44,200
Adjusted Cash Flow
$1,593,560
Easy Integration
An intelligent API that handles the industry so you don't have to.
Year-over-year tax form changes are absorbed automatically. Configure workflows, embed the UI, or stream data via webhooks. Connect your LOS in under two sprints.
Configurable workflow engine
Excel / JSON export
Webhooks + embeddable UI
POST
/api/v2/spread
200 OK · 1.2s
{
"entity_id": "biz_8821",
"tax_year": 2023,
"dscr": 3.04,
"cash_flow": 1593560,
"status": "approved",
"flags": []
}
Customer Stories
Building the future of
lending, together.
"FlashSpread vastly reduced the amount of time it takes our team to spread tax returns — what used to take hours now takes minutes."
Caryl Eriksson
InterMountain Business Lending
"The combined solution enables truly data-driven underwriting decisions at a speed we couldn't achieve before."
Laura Day
Core10 / Accrue
"The enhanced narratives and the support team's responsiveness have made this a cornerstone of our commercial lending process."
Scott Finnell
First Federal Community Bank
"Quick response times and seamless integrations — FlashSpread fits naturally into how our team already works."
Michael Lupfer
United Wholesale Mortgage
Get Started
See how FlashSpread works.
Join lenders who process deals in minutes, not days. Schedule a live demo with our team.
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