AI-Powered Underwriting

Financial spreading in 30 seconds
with a full audit trail

Drop any PDF — get a complete underwriting spread, risk flags, underwriter narrative, and exportable audit trail ready for your submission file.

30s
vs hours manually
12+
Metrics calculated
100%
Auditable output

Upload financial statement

Audited, reviewed, compiled, or tax return — any format

Drop PDF here or click to browse

Full packets, audited financials, tax returns — extracted automatically

AuditedReviewedTax returnCIM
or paste text
Financial statement text
Reading document...
How it works
1

Upload any PDF

Drop the financial statement exactly as the client provides it.

2

AI spreads and audits

Calculates 12+ metrics with full formula audit trail — every number traceable to source data.

3

Export for submission

Download PDF report or CSV spreadsheet ready to attach to your underwriting submission.

Analysis Complete
MetricValueBenchmarkAssessment

Every metric shows the source line items, formula applied, and calculated result — fully traceable to the submitted financial statement.

MetricSource dataFormulaResultFlag
Audit trail generated — FinSpread AI — All calculations derived from submitted financial statement data only
© 2026 KOD Advisory LLC. All rights reserved. FinSpread AI is a trademark of KOD Advisory LLC.