LoanPacket vs FlashSpread
FlashSpread is a capable tax return spreading product built for bank credit departments. LoanPacket covers spreading too, but is designed around the broker's full workflow: add-back substantiation, global DSCR, SBA forms and the lender-facing memo.
| Dimension | FlashSpread | LoanPacket |
|---|---|---|
| Primary user | Bank credit analysts | Brokers, packagers, and bank teams |
| Tax return spreading | Yes | Yes, with line-level citations |
| Add-back justification engine | Manual | Catalog, evidence and defensibility rating |
| SBA Form 1919 / 413 / 1920 / 159 | Not generated | Autofilled |
| Branded credit memo | Spread export | 14-section institutional memo, white-label |
| Lender share tracking | No | Encrypted links with open tracking |
| Pricing model | Enterprise contract | Monthly tiers or pay-per-deal |
If you are a bank that only needs spreads, either works. If you need to deliver a complete lender package, LoanPacket finishes the job.
Package your next loan in 15 minutes instead of 3 weeks.
Upload a set of sample tax returns and generate a complete, lender-ready credit memo on your first day.