Financial Statement Spread System Financial reports available for up to 10 periods of data. Ratio Analysis Balance Sheet and Income Statement Common Size and Y/Y Changes Three Cash Flow Statements – TAC Cash Flow; UCA Cash Flow; Indirect Cash Flow Supporting Schedules Working Capital/Tangible Net Worth Reconciliations Financial reports available for 3 years of data. Charts of Key Financial Indicators Industry Data Comparisons Financial reports available for latest year. Global Cash Flow Report Personal Financial Statements (PFS) You can input statements for up to 6 personal guarantors or use to spread an individual borrower. A combined PFS is provided. Loan Covenant Compliance Automatically complies up to 11 standard financial covenants and allows for manually complying other financial and non-financial covenants. TAC Analyst™ Produce written reports, instantaneously. Our TAC Analyst feature produces a comprehensive narrative credit analysis to use in your credit approval process. It covers all the key analytical areas including Operating Performance, Financial Condition, Cash Flow Analysis and Industry Comparison highlights. TAC Inquiry™ Key financial issues often require further clarification or detail from management. The TAC Inquiry finds and identifies them for you. This unique feature allows the user to input responses directly into the system, where they are automatically integrated into the TAC Analyst report. TAC Analyst™ (with Inquiry Responses) Integrates the TAC Analyst™ and TAC Inquiry™ reports to produce a comprehensive analysis to be used in the Credit Approval Process. Pricing: The Commercial Lending Spread and Analysis Module starts at an annual license fee of $999. Click here to view sample reports

Clews™
Be alerted to early signs of deterioration in a borrower’s financial condition, allowing you the time to successfully react. This Red Flags Report isolates the various indicators from the financial statements, which show when a commercial loan may be heading for problem status. Margin decline, quality of earnings, liquidity, cash flow coverage, leverage, and more are all examined. The report is fully automated and in narrative format.

Pricing: Starts at an annual license fee of $399. Click here to view sample reports

Projection Module
This Module produces up to 5 years of projected financial statements based on 3 years of historical data. Trends are examined from which informed assumptions can be made. Reports include narrative comments, charts and a Debt-Service-Coverage Stress Test. The Stress test allows you to interactively alter key cash-flow drivers to evaluate the impact of various scenarios on the borrower’s ability to repay the debt as scheduled. Also includes a worksheet to aid the user in constructing meaningful loan agreement covenants and borrowing-base advance rates.

Pricing: Starts at an annual license fee of $399. Click here to view sample reports