Financial Spreading Software
AI financial spreading software for lenders.
Three years of audited financials, normalized into one schema. With citations. In minutes. Not hours of Excel re-entry.
Kita reads audited financial statements, tax returns, and bank statements and spreads them into your spreading template. The output is normalized, cited, and ready for analysis.
Definition
What is financial spreading software?
Financial spreading software normalizes financial statements from different formats and periods into one comparable schema. Modern financial spreading software uses vision and language models to handle audited statements, tax returns, and bank statements together, with citations back to the source documents.
How it works
01
Read every statement
Audited financials, tax returns, internal management accounts, bank statements. Across the three years your policy requires. Across the formats your borrowers actually use.
02
Normalize to your schema
Map line items to your spreading template. Standardize across reporting frameworks. Output Excel, JSON, or direct LOS push. Your analyst gets the format they already use.
03
Cite every line
Every spread line cites the source statement and the row it came from. Auditors, regulators, and credit committees can trace any number back to its origin.
Comparison
AI financial spreading vs. manual spreading.
| Aspect | Manual Excel spreading | Kita financial spreading |
|---|---|---|
| Time per file | Two to six hours per three-year set | Minutes per three-year set |
| Data accuracy | Typo-rate scales with analyst fatigue | Pulled directly from source, with citation |
| Reconciliation across statements | Manual cross-check, often skipped | Automatic across audited, tax, and bank |
| Consistency across analysts | Varies by analyst preference | Same mapping, every file |
| Audit trail | Analyst memory and side notes | Every line cited to a source row |
| Format coverage | Per-format template setup | Handles IFRS, US GAAP, local frameworks |
Who it's for
Built for the three lender scenarios we serve.
SME and trade finance
Multi-year audited financials.
Audited statements across three years are the core of SME underwriting. Spread them in minutes; reconcile against tax returns and bank statements automatically.
CDFI and SBA
Internal financials and tax returns.
CDFI and SBA borrowers often submit internal P&Ls alongside 1040s and 1099s. Kita spreads both and reconciles them. Analyst time goes to judgment, not Excel.
Credit committees
Defensible spreads at committee.
Cited spreads with full reconciliation make committee review faster and audit defense easier. Numbers come with provenance, not just a footnote.
The product
Kita AI Underwriter
Financial spreading is built into the AI Underwriter. The spread feeds the credit memo and the ratio analysis. Or use the spreading layer standalone and push the structured output into your existing analysis tools.
See the AI UnderwriterFAQ
Common questions
What financial statement formats does Kita support?
IFRS, US GAAP, and local reporting frameworks across the markets we serve. Audited financials, internal management accounts, tax returns, and bank statements. Handles handwritten and photographed statements when borrowers submit them that way.
How does mapping to our spreading template work?
Provide your existing template and line-item mapping. Kita ingests it and outputs spreads in your format. Most lenders are mapped within a few days of providing their template.
Can the output push directly into Excel?
Yes. Excel, JSON, and CSV exports are standard. Direct push to LOS spreading modules is available for major systems. The format your analyst already uses is the format you get.
How is reconciliation across statements handled?
Revenue across audited statements and tax returns. Cash position across bank statements and balance sheet. Restated numbers across reporting periods. Reconciliation runs automatically; mismatches are flagged.
Does Kita handle handwritten or photographed statements?
Yes. Vision-language reading handles typed, scanned, photographed, and handwritten statements identically. The same accuracy targets apply across formats.
Is the spread auditable?
Yes. Every spread line cites the source document and the specific row. Regulators and credit committees can trace any number back to its origin in the audited statement, tax return, or bank statement.
Spread three years in minutes. Not hours of Excel.
Talk to the team about AI financial spreading mapped to your template.