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.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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