conference:
In a real commercial deal, the borrower is rarely one entity. Operating companies, holding entities, and guarantors all feed the same debt — and reconciling their cash flows into one global coverage figure is the most tedious, error-prone spread an analyst does. Uptiq automates the whole consolidation.
Global cash flow across every entity and guarantor — extracted at 95%+ accuracy, distributions netted, traced to source.
Trusted by financial institutions across banking, lending & credit
Combining businesses and guarantors into one coverage figure means tracing income across returns, mapping K-1s, and eliminating double counts — by hand, on every complex deal.
A single-entity spread is straightforward. A global cash flow is not. The analyst has to pull the operating company's returns, the real estate holding entity's returns, and each guarantor's personal 1040 — then follow K-1 income through to the individuals, subtract personal living expenses, account for contingent liabilities, and net out distributions so the same dollar isn't counted twice.
It's the most judgment-light yet error-prone work in underwriting. One missed elimination or mis-keyed K-1 skews the global DSCR and the credit decision built on it. And because every analyst approaches consolidation a little differently, methodology drifts across the portfolio — right where examiners look hardest.
Uptiq extracts across all the businesses and individuals in a credit, maps how they relate, nets out the double counts, and produces a defensible global cash flow — at 95%+ accuracy with full lineage.
Business returns, personal 1040s, K-1s, and financial statements for every entity and guarantor are extracted at 95%+ accuracy from a single credit package.
The agent links entities to owners, follows K-1 income to each guarantor's personal return, and builds the relationship map the consolidation depends on.
Cash flows combine while distributions and inter-entity transfers are netted out, personal living expenses subtracted, and contingent liabilities accounted for.
A global debt service coverage figure is produced in your template, every input traced to source — consistent methodology on every deal.
The result: the most tedious spread in commercial lending, done in a fraction of the time — contributing to 36% less spreading time, 41% faster cycles, and 3x more deals per analyst across 150+ financial institutions in production.
Uptiq pulls cash flow from every entity and individual in the credit, nets the overlaps, and rolls it all into a single global DSCR.
Illustrative consolidation. Every figure is extracted at 95%+ accuracy and traced back to its source document and line.
Operating companies, holding entities, and multiple guarantors are consolidated automatically — no analyst tracing each relationship by hand.
K-1 flow-through is followed and distributions are netted out, so the same dollar isn't counted twice and the global DSCR holds up.
The most time-consuming spread compresses dramatically, feeding a 36% reduction in spreading time across production deployments.
Every global cash flow follows the same consolidation logic, removing the analyst-to-analyst drift examiners scrutinize.
Every input traces back to its source return or statement, making the global coverage figure examiner-ready and verifiable in a click.
Produced in your spreading format and delivered through 100+ native integrations. The agent layer sits above your stack.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Business and personal returns, K-1s, and financial statements for every entity and guarantor are ingested.
Figures extract at 95%+ accuracy and the ownership and K-1 relationships are mapped across sources.
Cash flows combine, distributions and inter-entity flows are eliminated, and personal items are applied.
A consolidated global cash flow and DSCR land in your template, ready for the analyst to review.
150+ financial institutions run Uptiq's AI agents to consolidate global cash flow across entities and guarantors. See it on your own complex deals.
Book a 30-minute session. We'll run a global cash flow across your own multi-entity, multi-guarantor deal — netted and traced to source.
See how Uptiq consolidates cash flow across entities and guarantors into one global DSCR — netted and traced to source.
Bring us the workflow with the most drag. We’ll show you an agent running it.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
10900 Stonelake Blvd Bldg II Ste 100, Austin, Texas 78759.
WeWork Futura, Magarpatta Rd, Kirtane Baugh, Magarpatta, Hadapsar, Pune, Maharashtra 411028
© 2026 UPTIQ, Inc. All rights reserved.
