Financial Statement Spread System Balance Sheet and Income Statement including common size and Y/Y changes Ratio Analysis and Financial Indicators Three Cash Flow Statements Supporting Schedules Working Capital/Tangible Net Worth Reconciliations Charts of Key Financial Indicators TAC Analyst™ Automatically generates a narrative credit 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. TAC Inquiry™ A companion report to the TAC Analyst™, this report identifies the financial points that require further clarification or detail from management. The user has the option of answering the questions directly in the system. 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 $939. Click here to view sample reports

Clews™
The Classified Loan Early Warning System alerts you to negative trends in the financial data.

This Financial Red Flags Report isolates the various indicators from the balance sheet and income statement which may be signals that the commercial loan is heading for problem status. Items and trends such as margin decline, quality of earnings, liquidity, cash flow coverage, leverage, etc. are examined in producing this report. This report is fully automated and in narrative format. The report helps spot potential developing weaknesses in a credit. The early identification of such problems can allow the bank to successfully react by either shoring up its position while it still can, or by exiting the credit at an early stage. Pricing: Starts at an annual license fee of $399. Click here to view sample reports

Projection Module
Forecast up to five years of financial statements based upon three years of historical data in a very flexible format. Includes a worksheet to create financial covenants, based on the projections.

The Projection 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. TAC Worksheets™ This program utilizes the financial statement projections to aid the user in constructing meaningful loan agreement covenants. Pricing: Starts at an annual license fee of $399. Click here to view sample reports