Spreading is where underwriting time goes — keying figures from tax returns and financials into templates, then calculating ratios by hand. Uptiq's domain-trained agents extract, spread, and calculate automatically, so your analysts review numbers instead of re-typing them.
36% less spreading time at 95%+ extraction accuracy — every figure traced back to its source document.
Trusted by financial institutions across banking, lending & credit
Experienced analysts spend hours per deal transcribing financials into spreading templates — before any credit judgment happens.
Every commercial deal starts the same way: pull the tax returns and financial statements, key the numbers into your spreading template line by line, then calculate global cash flow, DSCR, and leverage by hand. It's precise, repetitive work that consumes the most expensive people on your team — and it scales one-for-one with volume.
Generic OCR promises to help but plateaus around 75–80% accuracy on financial documents. At that level every spread still needs a full manual check, so the "automation" just moves the work rather than removing it. And when a figure looks off, there's rarely a clean trail back to the page it came from.
Uptiq's domain-trained agents read your financial documents, populate your spreading templates, and calculate the ratios — at 95%+ accuracy with full data lineage on every figure.
Tax returns, financial statements, bank statements, rent rolls, and debt schedules are received and classified automatically from any channel.
Domain-trained extraction certified by former underwriters pulls every figure — with a link back to the exact page and line it came from.
Values map into your institution's own template, and global cash flow, DSCR, debt yield, leverage, and liquidity calculate from the actual source numbers.
Completed spreads flow into your existing loan origination system through 100+ native integrations — ready for analyst review, not data entry.
The result: 36% less spreading time, 41% faster underwriting cycles, and 3x more deals per analyst — measured across 150+ financial institutions in production.
One agent handles the full commercial document set and produces the ratios your credit policy runs on.
Any incoming channel — email, portal, or fax.
Delivered in your institution's own spreading template.
Analysts stop transcribing and start analyzing. Spreading time drops 36% on aggregate across production deployments — not a projection.
Domain-trained accuracy certified by former underwriters. Every figure links back to its source page — examiner-ready, every spread.
Global cash flow, DSCR, debt yield, and leverage compute automatically from actual source values — consistent every time.
Spreads land in your institution's own format and follow your calculation conventions — no forcing your credit team into someone else's model.
100+ native integrations across loan origination systems, cores, and CRMs. The agent layer sits above your stack — no rip-and-replace.
Spread more volume with the same team. As origination grows, the AI layer scales — your salary expense doesn't.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Financials, tax returns, and statements are ingested and classified automatically from any channel.
Domain-trained extraction pulls every value at 95%+ accuracy with a link back to its source page.
Your template populates and global cash flow, DSCR, and leverage compute from the actual source numbers.
The finished spread lands in your LOS, ready for the analyst to review and make the credit call.
150+ financial institutions run Uptiq's AI agents to spread financials and accelerate underwriting. See it on your own document types.
Book a 30-minute session. We'll run a live spreading demo on your own document types and show you the ratios calculated with full lineage.
See how Uptiq extracts, spreads, and calculates ratios on your own document types — with full data lineage.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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