The complete underwriting packaging platform for high-performance loan brokers.
One upload feeds every exhibit. Every exhibit cites its source.
- 01Document ingestionTax returns, interims, bank statements, K-1s, QuickBooks exports.
- 02Tax extractionOCR and table recognition with line-level citations.
- 033-year spreadingStandardized spreads, TTM, consolidation.
- 04Add-back validationJustified adjustments with defensibility rating.
- 05Global DSCRSOP 50 10 7.1 global cash flow, pass / fail.
- 06SBA form generation1919, 413, 1920, 159, 4506-C autofilled.
- 07Credit memo exportBranded PDF, Word, Excel; tracked lender links.
Four pillars, each one a working surface.
Ingest & extract
OCR and financial table extraction from raw PDFs, scans, tax returns, bank statements and QuickBooks exports, with confidence routing to a review queue.
Deep dive| Field | Value | Conf. |
|---|---|---|
| L1a · Gross receipts or sales | $4,911,300 | 0.97 |
| L2 · Cost of goods sold | $3,307,200 | 0.98 |
| L3 · Gross profit. Subtract line 2 from line 1c | $1,604,100 | 0.99 |
| L7 · Compensation of officers | $265,000 | 0.97 |
| L8 · Salaries and wages | $671,200 | 0.98 |
| L13 · Rents | $186,000 | 0.71 ↗ review |
| L14 · Depreciation | $92,300 | 0.97 |
| L21 · Ordinary business income | $292,800 | 0.98 |
Spread & normalize
Three-year historical spreading, balance sheet reconciliation, intercompany elimination and defensible owner add-back adjustments.
Deep dive| Line | FY2023 | FY2024 | FY2025 | TTM Aug 26 | YoY |
|---|---|---|---|---|---|
| Gross receipts 1120-S · L1a | $4,212,400 | $4,640,800 | $4,911,300 | $5,062,900 | +5.8% |
| Cost of goods sold 1125-A · L8 | $2,822,300 | $3,117,600 | $3,307,200 | $3,392,100 | +6.1% |
| Gross profit 1120-S · L3 | $1,390,100 | $1,523,200 | $1,604,100 | $1,670,800 | +5.3% |
| Officer compensation 1125-E | $240,000 | $255,000 | $265,000 | $265,000 | +3.9% |
| Salaries and wages 1120-S · L8 | $612,400 | $648,900 | $671,200 | $688,400 | +3.4% |
| Rent 1120-S · L13 | $186,000 | $186,000 | $186,000 | $186,000 | 0.0% |
| Depreciation 4562 · L22 | $74,200 | $88,600 | $92,300 | $92,300 | +4.2% |
| Interest 1120-S · L13 | $38,100 | $41,800 | $41,800 | $39,200 | 0.0% |
| Legal and professional 1120-S · L19 | $22,400 | $84,000 | $24,800 | $25,100 | -70.5% |
| Other operating expenses 1120-S · L19 | $26,700 | $28,300 | $30,200 | $31,000 | +6.7% |
| Net income 1120-S · L21 | $190,300 | $190,600 | $292,800 | $343,800 | +53.6% |
Analyze & underwrite
Global DSCR, personal obligations, rent replacement, amortization schedules and collateral coverage, with pass/fail benchmarks.
Deep divePackage & deliver
Autofilled SBA forms, debt schedules, Source & Use tables and a branded institutional credit memo, shared through tracked links.
Deep diveWhat LoanPacket generates
Every item below is produced from the same extracted data set and stays consistent when a figure changes.
- Executive summary credit memo
- 3-year historical spread analysis
- Normalized EBITDA / SDE schedule
- Global cash flow worksheet
- Business debt schedule
- Source & Use of funds table
- SBA Forms 1919, 413 and 1920
- Collateral coverage analysis
Teams and white-label branding
Assign deals to brokers, review each other's add-back justifications, and keep one brand profile per client. Memos carry your logo, palette, cover and confidentiality language; lenders see your firm.
Audit trail and calculation logs
Every figure shows its tax schedule source. Every edit records who, when and the prior value. Lender submissions are versioned, and the diff between versions becomes your kickback response.
OCR and financial table recognition for every commercial tax schedule, with each extracted figure cited to its form, schedule and line number.
Institutional spreads across three fiscal years plus trailing twelve months, with variance analysis, consolidation and an interactive ledger editor.
Combines business cash flow with owner compensation, personal obligations and affiliate entities to produce the global coverage number underwriters actually decide on.
A catalog of allowable adjustments, a written justification engine and a defensibility rating that tells you what a credit officer will push back on.
Borrower, guarantor and ownership data extracted once flows into the official SBA PDFs, with every answer traceable to its source document.
An institutional memo with executive summary, financial commentary, collateral analysis and every exhibit, branded to your shop and shared through tracked links.
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.