Spread and Analysis Module
Includes Financial Statement Spread System, Ratio Analysis, Three Cash Flow Formats, Net Working Capital Reconciliation, Tangible Net Worth Reconciliation, TBP Analyst™, TBP Questions for Management™ and Charts of Key Financial Indicators.

Financial Statement Spread System Balance Sheet and Income Statement Ratio Analysis Three Cash Flow Statements Global Cash Flow Supporting Schedules Working Capital/Tangible Net Worth Reconciliations Charts of Key Financial Indicators TBP Analyst™ Automatically generates a narrative financial analysis based on the numerical data input into the Financial Statement Spread System. The report covers all key analytical areas including Operating Performance, Financial Condition and Cash Flow Analysis, topics that are looked at closely by Lenders. The report also explains the relevancy of these topics in easy-to-understand terminology for your client. TBP Questions for Management™ This report identifies the financial points that require further clarification or detail by the client. It therefore serves as preparation for a meeting with a commercial loan officer by anticipating questions typically asked by a banker. Click here to view sample reports

Financial Deterioration Report
The report analyzes and pinpoints negative trends in the financial data that are likely to be of concern to a banker.

This report isolates the various indicators from the balance sheet and income statement which may be signals of a deteriorating financial condition. Items and trends such as margin decline, quality of earnings, liquidity, cash flow coverage, leverage, etc. are examined in producing this report. This report, which analyzes and pinpoints negative trends in the financial data, is fully automated and in narrative format. Click here to view sample reports

Forecasting Module
Forecast up to five years of financial statements based upon three years of historical data in a format designed to be presented to a banker. Projection assumptions are in a very flexible format allowing for sophisticated fine tuning.

The Forecasting Module provides a flexible format for producing up to five years of projected financial statements based on three years of historical data from which trends can be examined. The program is in the identical format as TAC's Financial Statement Spread System. There is no additional historical input necessary once the balance sheet and income statement data are input into the Financial Spread System. The projections allow a client to review their projected financial position to evaluate cash flow needs, for general business planning and to help support a loan request to a bank. Click here to view sample reports