Short answer
Aloan and Abrigo lead on global cash flow. Aloan calculates debt service, liquidity and leverage across multiple entities, guarantors and related businesses in one pass with add-backs applied. Abrigo names global cash flow analysis as a function the software automates alongside spreading and ratio calculation. Wolters Kluwer CASH Suite is the most explicit of all, naming dynamic global cash flow plus stress testing of borrowers and guarantors, and FISCAL covers multiple businesses, people and loans with flexible calculation options.
Global cash flow is where a commercial credit file is actually decided, and it is the capability most likely to be missing from a product that spreads beautifully. The typical borrower is an operating company, a real estate entity that owns the building, two owners who guarantee both, and a rental property one of them holds personally. Debt service coverage on the operating company alone answers nothing. The question is what all of it covers together, after add-backs, distributions and non-recurring items. This page ranks on whether that number is produced inside the product. Two heavily recommended platforms in this category do not name the capability anywhere in their material, which is worth knowing before an evaluation rather than during one.
Lenders whose files routinely span several entities and guarantors
Full profileCredit shops wanting spreading, global cash flow and the memo together
Full profileCredit shops where the guarantors carry the coverage
Full profileThe shortlist at a glance
Twelve platforms ranked on whether they roll the operating entity, its related entities and its guarantors into one debt service coverage figure inside the product, or leave that to a spreadsheet.
| # | Platform | Best for |
|---|---|---|
| 1 | Aloan Best multi-entity calculation | Lenders whose files routinely span several entities and guarantors |
| 2 | Abrigo Best established global cash flow suite | Credit shops wanting spreading, global cash flow and the memo together |
| 3 | Wolters Kluwer CASH Suite Most explicit guarantor coverage | Credit shops where the guarantors carry the coverage |
| 4 | FISCAL Best calculation flexibility | Credit shops with their own add-back conventions |
| 5 | FlashSpread Best standalone global analysis | Lenders who want the combined figure from a point solution |
| 6 | Suntell Square 1 Credit Suite Best related-entity coverage | Community institutions with related-entity borrower structures |
| 7 | Global Wave Financial Track Best scenarios and stress testing | Larger lenders that stress test coverage rather than just calculate it |
| 8 | FINPACK Best benchmarked cash flow | Agricultural and seasonal lenders |
| 9 | Baker Hill Best coverage-to-covenant link | Banks that need coverage tracked, not just calculated |
| 10 | Cync Software Best components without the label | Lenders willing to verify the roll-up in a demo |
| 11 | nCino Best extraction feeding the calculation | nCino institutions that will scope the calculation in a demo |
| 12 | Moody's Lending Suite Best scoring instead of coverage | Large lenders whose policy runs on ratings rather than coverage |
How we rank
Named capability
Whether the vendor states that the product produces global cash flow, rather than leaving a buyer to infer it from an entity module plus an individual module.
Entity and guarantor scope
Multiple related entities, multiple individuals and multiple loans in one calculation, including the personal side of a guarantor's position.
Scenarios and stress testing
Whether the combined position can be stressed or run through scenarios, which is what turns a coverage figure into an argument at committee.
Calculation control
Whether add-backs, distributions and non-recurring adjustments follow the institution's own conventions, and who maintains that logic when policy changes.
Source quality
What the calculation reads: business and personal returns, interim statements, rent rolls. A combined figure built on partial inputs is a partial answer.
Review and audit trail
Whether each figure in the combined calculation traces back to a source document and page, which is the question an examiner asks about global cash flow first.
Positions are our editorial read against the six criteria above, applied to what each vendor documents publicly. They are not a market-share ordering. A platform moves when its evidence changes, and several here would move immediately if a vendor published a named customer or a price.
The six site criteria, reweighted so the global cash flow criterion decides the order and spreading depth supports it. The primary test is whether the vendor names the capability, since the combined debt service figure is either a screen in the product or an exercise for the analyst, and vendors that have it tend to say so. Second is scope: multiple related entities, individual guarantors, and whether stress testing or scenarios can be run on the combined position. Third is what the calculation is built on, because a global cash flow figure is only as good as the returns underneath it. Note on evidence: this was the thinnest of the six buyer questions in our AI visibility analysis, with two assistants naming a single vendor each and one answering about corporate treasury software instead, so verification carries more of the weight on this page than anywhere else on the site.
Aloan
AI-native document-to-spreadBest multi-entity calculation
Lenders whose files routinely span several entities and guarantors
Standout
The combined position is the unit of analysis, not a roll-up bolted onto finished spreads.
Debt service, liquidity and leverage calculated across multiple entities, guarantors and related businesses in a single pass, with the add-backs and adjustments an analyst would apply already applied.
It treats the combined position as the unit of analysis rather than as a roll-up after the spreads are done, which is the structural difference on this page. Documents are matched to entities and periods on intake, so a fourteen-file borrower package arrives organized rather than sorted by hand, and the add-backs and adjustments happen inside the calculation. Every figure in the resulting memo links to its source document and page, which is the exact evidence an examiner asks for when a coverage ratio spans four entities. It ranks first on capability and audit design while carrying the weakest customer proof here, with nothing named publicly and a 2025 founding.
- Covers the whole chain from intake through covenant monitoring, so the spread feeds a memo instead of ending in a template
- Every calculated figure links to its source document and page, which is what makes an AI-produced spread defensible when an examiner asks where a number came from
- Multi-entity ratio math with add-backs and adjustments across guarantors and related businesses, rather than a single-entity spread with a manual roll-up afterwards
- Completed an independent SOC 2 Type II audit, hosts in the US, encrypts at rest with AES-256, and publishes a written guarantee that customer inputs and outputs are never used to train any AI model
- · No named customer reference exists publicly. The only social proof on the site is three unattributed review-site quotes, and the launch release names no institution, which is thin for a bank vendor-diligence file
- · Founded in 2025 and launched in March 2026, the shortest track record in this set by a wide margin, against competitors with 20 to 40 years inside community banks
- · No published pricing, customer count or asset-size band, so a buyer cannot self-qualify before a sales call, and the 30-minute document-to-memo claim is vendor-stated and not independently verified
- · Part of its visibility in AI answers is self-referential: two of the five assistants we read reach it through guide pages Aloan publishes itself, which is the same self-published retrieval path several other vendors in this category rely on
Deployment
Cloud, Embedded via API
Pricing
Quote only
Sweet spot
Community banks, regional banks, credit unions, CDFIs, CUSOs and non-bank commercial lenders
Abrigo
Credit analysis suiteBest established global cash flow suite
Credit shops wanting spreading, global cash flow and the memo together
Standout
What-if scenarios and narrative analysis run on the combined figure inside the same suite.
Global cash flow analysis named as one of three functions the software automates, alongside spreading and ratio calculation, with the memo and what-if scenarios generated off the same data.
Of the long-established suites, this is the one that states the capability plainly rather than leaving it to be discovered. Global cash flow sits beside spreading and ratio calculation as automated functions, tax return extraction feeds it directly, and what-if scenarios plus narrative analysis run on the result, so the combined figure reaches the committee packet in the same product. Peer benchmarks are bundled, which gives the coverage figure context. Second because the material does not describe the calculation scope in detail, so a buyer has to establish in a demo how many entities and guarantors can be combined and how the add-back conventions are configured.
- Tax return intake is native rather than bolted on: extraction runs on AI, OCR and proprietary algorithms and produces a spread in minutes
- Global cash flow is a named built-in capability paired with ratio calculation, which is exactly the pairing a community credit shop needs and several competitors cannot name
- The spread feeds downstream artifacts directly, so the analyst ends up with a memo and scenarios rather than a finished template
- Real-time peer benchmarks come with the product instead of requiring a separate industry data contract
- · The institution count is vendor-claimed and currently disagrees with itself on live pages: more than 2,400 financial institutions in 2026 press boilerplate against over 2,300 customers on the credit risk product page, and neither figure is spreading-specific
- · Covenant creation and tracking appear nowhere in the spreading material, unlike Baker Hill, which advertises covenants created during the spread itself
- · No pricing, no asset-size band and no deployment statement stronger than web-based is published, so the whole evaluation depends on a sales call
- · Abrigo APX for Lending sits in the site navigation but its page returns a 404, and the 2026 ThinkBIG announcements describe agentic lending and AskAbrigo advances with no general-availability labeling, so treat the newest AI layer as unverified
Deployment
Cloud
Pricing
Quote only
Sweet spot
Community banks and credit unions of all sizes, over 2,300 customers claimed across all Abrigo products
Wolters Kluwer CASH Suite
Credit analysis suiteMost explicit guarantor coverage
Credit shops where the guarantors carry the coverage
Standout
Stress testing named for guarantors as well as borrowers.
Dynamic global cash flow analysis named outright, built on historical and projected statements plus business and personal tax returns, with stress testing that covers borrowers and guarantors.
No vendor in this research documents global cash flow as precisely. Dynamic global cash flow analysis, business and individual tax returns, and stress testing of borrowers and guarantors are all named on the same material, which is the complete shape of the problem stated in the vendor's own words. Extraction underneath it validates every OCR value with a human, so the inputs to the combined figure have a described review step. Third only because the surrounding disclosure is poor: no published deployment model, no named customer, and an install figure dating from 2014, so capability confidence is high and commercial confidence has to be built in the sales process.
- Names business and individual tax returns, global cash flow and guarantor stress testing on the same page, which is the most complete capability documentation in this research
- Human validation of every OCR-extracted value, which is a defensible answer when an examiner asks who checked the number
- Modular, so a credit department can buy the analysis piece without committing to an origination platform
- Built explicitly for US community and regional banks and credit unions rather than adapted downward from an enterprise product
- · The deployment model is not disclosed on the product page or in the current brochure, so a buyer cannot tell whether they are evaluating cloud, hosted or installed software before a sales call
- · The more than 600 US banks and credit unions figure dates from January 2014 and has never been refreshed, which makes the install base impossible to gauge today
- · Every performance claim is anonymous. No named customer bank or credit union appears in the material we reviewed
- · Close to invisible in AI-assisted vendor research: one of the five assistants we read named it at all, so buyers relying on an assistant shortlist will not see it
Deployment
Not disclosed
Pricing
Quote only
Sweet spot
US community and regional banks and credit unions, a more than 600 institution figure that dates from January 2014
FISCAL
Spreading point solutionBest calculation flexibility
Credit shops with their own add-back conventions
Standout
Multiple businesses, multiple people and multiple loans, with the calculation options exposed.
Global cash flow across multiple businesses, multiple people and multiple loans with flexible calculation options, sitting beside debt service analysis and line-by-line tax form templates.
The scope statement is the most specific on this page. Multiple businesses, multiple people and multiple loans, with flexible calculation options, is a direct description of the file shape this analysis exists for, and the flexibility matters because every institution's add-back conventions differ. The templates underneath name 1120S, 1065, 8825, 1040 and Schedule C or E, so the inputs cover the property and personal income detail a combined figure needs. Fourth because it is on-premise only, has no named customers, and offers no published scenario or stress testing capability on the combined position.
- Purpose-built spreading and credit analysis rather than a module inside a platform, and positioned openly against rigid end-to-end systems designed for larger institutions
- Names its tax form template coverage with line-by-line mapping and automatic import, which is a more testable claim than spreads tax returns
- Global cash flow across multiple businesses, people and loans, with debt service analysis and a Word-editable memo attached
- Genuine credit union orientation rather than a bank product with a credit union page bolted on: member-business-loan-sized deals, CUSO deployments, and pricing based on business lending portfolio and user count rather than total assets
- · Zero named customers. Every reference is anonymized by asset size and state, so there is no logo, no callable reference and no verifiable install base, and the hundreds of credit union users figure is vendor-claimed
- · On-premise only. No cloud or SaaS option appears anywhere, which rules it out under a cloud-first policy and leaves patching, backup and disaster recovery with the bank
- · No named integrations. Core import is claimed but no core platform is named, and there is no published API, origination integration or partner list
- · No pricing figures, and the product has no dedicated URL of its own, so FISCAL Forward lives under a generic spreading and analysis path
Deployment
On-premise
Pricing
Quote only, based on business lending portfolio and number of users
Sweet spot
Community banks and credit unions, over 35 years in the segment, published testimonial bands from $96M to $1.5B
FlashSpread
Spreading point solutionBest standalone global analysis
Lenders who want the combined figure from a point solution
Standout
Entity and individual cash flow plus global analysis, without adopting a platform.
Entity cash flow, individual cash flow and a global analysis produced as named outputs from scanned business and personal returns, with a DSCR at the end of it.
For a lender that wants the combined figure without adopting a platform, this is the shortest path. Both halves of the calculation are named outputs, entity and individual cash flow, and the global analysis sits on top of them, all built from returns the borrower already sent. It can also be embedded into an existing workflow, so the combined figure can appear inside a system the lender already runs. Fifth because the combined calculation is not described in depth: no scenario or stress testing, no stated limit on entity count, and no CRE document handling, which constrains the property side of a combined position.
- Global analysis plus both entity and individual cash flow are named outputs, not inferred from adjacent features, so guarantor roll-up is genuinely in scope
- Handles business and personal returns plus financial statements, with calculated ratios and audit traceability on the export
- Genuinely embeddable rather than platform-only: an API that absorbs annual tax form changes, an embeddable UI, webhooks, and a claimed integration in under two sprints
- Has a named community bank reference with a titled credit executive attached to it, which is rare for a vendor this size
- · The standalone brand is gone at the domain level. flashspread.com redirects to BeSmartee, a company whose center of gravity is mortgage point of sale, and three of its four products are mortgage, which is a roadmap-priority question for a commercial buyer
- · Tax returns are the demonstrated strength. CRE work specifically, meaning rent rolls, operating statements and NOI, is not described anywhere on its pages
- · No pricing, no asset bands, and no refreshed customer count since the more than 100 institutions figure that dates from the 2021 and 2022 acquisition coverage
- · Three FlashSpread logos on the customer stories page still sit in coming-soon slots, and no case study is attributed to the product
Deployment
Cloud, Embedded via API
Pricing
Quote only
Sweet spot
Commercial lenders, credit unions and financial institutions, more than 100 institutions as of the 2021 acquisition
Suntell Square 1 Credit Suite
Credit analysis suiteBest related-entity coverage
Community institutions with related-entity borrower structures
Standout
Related-entity global cash flow from a vendor with checkable 2026 references.
Global cash flow analysis across multiple related entities, named directly, in a suite sold only to community banks and credit unions for the last three decades.
Related-entity coverage is the exact hook a community credit file needs, and it is named rather than implied. The return templates feeding it cover 1120, 1120X, 1065 and 1040, and the AI extraction module released in March 2026 improves the inputs without changing the analysis. It is also the only vendor here publishing dated, named 2026 customer wins, so the capability claim can be checked with a peer. Sixth because the material does not describe the guarantor treatment, scenario capability or calculation configurability, and nothing about pricing or integrations is published.
- The only vendor in this research publishing dated, named 2026 customer wins, which is the single cheapest and most useful piece of evidence a buyer can be given
- Global cash flow across multiple related entities is named outright rather than inferred from adjacent features
- Named tax return template coverage for 1120, 1120X, 1065 and 1040
- New AI extraction was released into the installed base at no extra charge rather than sold as a new tier
- · Zero visibility in AI-assisted research. Across six buyer questions and five assistants, not one named it, so it will not appear on an assistant-generated shortlist
- · Its AI extraction module shipped in March 2026, so the installed base has less than a year of experience with it and there are no published results yet
- · No pricing, no asset band and no customer count published, and its own site lists only a phone number for its address
- · No published integration list, so how the spread reaches an origination system or core has to be established in the sales process
Deployment
Cloud
Pricing
Quote only
Sweet spot
Community banks and credit unions only, in business since 1996
Global Wave Financial Track
Credit analysis suiteBest scenarios and stress testing
Larger lenders that stress test coverage rather than just calculate it
Standout
Scenarios and dynamic stress testing on the combined position.
Global cash flow scenarios with dynamic stress testing and covenant validation, built on a dedicated business and personal tax return analysis module.
It is one of only two products here where the combined position can be stressed rather than just calculated, and the covenant validation beside it means the coverage figure connects to something ongoing. The dedicated tax return module covering business and personal returns gives the calculation the inputs it needs, and the self-hosted option resolves a data-residency objection. Seventh because the scope of the combined calculation is not described, the fit evidence starts around $1 billion in assets, and no assistant we read surfaced the product at all, so most buyers will not encounter it.
- Covenant validation, global cash flow scenarios and stress testing all sit in the same product, a combination only Baker Hill and CASH Suite come close to here
- Business and personal tax return analysis is a named module rather than a line in a feature list
- Documented adoption across a very wide asset band, from around $1 billion to over $100 billion, with named institutional logos
- One of only two products here that can be self-hosted, which resolves data-residency objections outright
- · Zero visibility in AI-assisted research: no assistant we read named it on any of six buyer questions
- · The named customer set skews larger than the community institutions this category is mostly bought by, so peer references at $500 million in assets are not evident
- · The extraction accuracy figure above 97% is vendor-claimed with no published methodology
- · No pricing, no customer count and no asset-band targeting published, so a buyer cannot self-qualify
Deployment
Cloud, On-premise
Pricing
Quote only
Sweet spot
Banks and credit unions from about $1 billion to over $100 billion in assets
FINPACK
Specialist analysis toolBest benchmarked cash flow
Agricultural and seasonal lenders
Standout
Monthly cash flow projections, which reveal seasonal strain an annual figure hides.
Global cash flow analysis benchmarked against industry data, with monthly as well as annual multi-year projections and farm peer comparison from the largest farm financial database in existence.
It names global cash flow, benchmarks it against industry data, and does something almost nothing else here offers: monthly projection granularity, which matters for seasonal and agricultural borrowers whose annual coverage figure hides the months that actually strain them. FINBIN benchmarking gives a farm borrower's combined position a peer comparison no commercial vendor can produce. Eighth because everything reaching the calculation is entered by hand, with no AI or OCR extraction claimed anywhere, so the analysis is strong and the input labour is a generation behind.
- FINBIN benchmarking is genuinely unique. No commercial vendor has a farm financial database of that size to compare a borrower against
- Covers agricultural and commercial credit under one licence, including CRE and C&I spreading, rather than ag alone
- Publishes its pricing basis openly, at loan volume on a one-year renewable system-wide contract, which is more than eight of the other platforms here manage
- Global cash flow analysis with RMA benchmarking, plus monthly as well as annual projections
- · Data entry is manual entry of statements and tax forms. Nothing on its pages claims AI or OCR extraction, so it trails every automated-spreading vendor here on intake labour
- · No named client institutions and no lender count published, so the install base cannot be gauged
- · Commercial lender training is still listed as coming soon, which suggests the commercial side is less mature than the agricultural side
- · University-published rather than a venture or private-equity-backed software company, which changes what to expect from roadmap pace and support hours
Deployment
Cloud, On-premise
Pricing
No licence figure published; $450 for the two-day in-person Ag Credit Analysis workshop
Sweet spot
Agricultural and commercial lenders, used by lenders for over 40 years
Baker Hill
Credit analysis suiteBest coverage-to-covenant link
Banks that need coverage tracked, not just calculated
Standout
The coverage figure produces a covenant record that gets monitored afterwards.
Debt service and global cash flow calculations referenced on the spreading page, with covenant records created during the spread and RMA benchmark data included.
The product almost certainly does this work, and the covenant link is genuinely valuable: a coverage figure that produces a covenant record and gets monitored afterwards is worth more than one that lands in a memo and stops. Ninth on this page because the evidence is abbreviations rather than a statement. The spreading page references the calculations by their initials, and the spelled-out capability appears in the wider platform description instead, so a buyer cannot confirm the scope, the guarantor treatment or the configurability from published material.
- Covenants are created inside the spreading workflow, which is the clearest covenant story in this category and the reason portfolio monitoring does not start from scratch
- The full RMA Annual Statement Studies database is included, built on more than 150,000 financial statements across over 600 industries
- The only vendor here with direct published evidence that spreading is sold as its own entry point: Amalgamated Bank and Studio Bank both selected statement spreading specifically
- Backed by Flexpoint Ford with disclosed operating scale, including more than $7 billion in lending originations processed monthly
- · Brand instability at an awkward moment for a buyer. The NextGen name retires in 2026 in favor of UN/FY, so contracts, documentation and reference calls will straddle two product names for a while
- · UN/FY's headline numbers are projections rather than measured results, and two live pages disagree on whether underwriting moves from weeks to minutes or from weeks to hours
- · The $7 billion monthly origination figure and the 20,000 banker count are vendor-claimed, unaudited, and describe the whole origination suite rather than spreading
- · Global cash flow is not spelled out on the spreading page itself, only the GDSC and GCF abbreviations, and no customer count, asset band or pricing is published anywhere
Deployment
Cloud
Pricing
Quote only
Sweet spot
US banks, credit unions and finance companies, over 20,000 bankers using its origination software
Cync Software
Spreading point solutionBest components without the label
Lenders willing to verify the roll-up in a demo
Standout
Automated net worth and guarantor risk profiling as a module of its own.
Entity spreading, individual spreading with automated net worth and guarantor risk profiling, plus CRE rent roll and NOI work, all present and never described as global cash flow.
Everything the calculation needs is here in separate modules: C&I for the operating entity, Individual for the guarantors with automated net worth and risk profiling, CRE for the property with rent roll normalization and NOI variance. What is missing is any statement that the pieces combine into one debt service figure, and the phrase appears nowhere in its material. Tenth because on a page ranking this specific capability, unlabelled components require a buyer to verify in a demo what other vendors put in writing, and Cync's community-facing pages carry demo data rather than evidence.
- Deepest vertical coverage in this set: CRE, C&I, individual and agricultural spreading are four separate modules with separate feature lists rather than one spread with different labels
- Names actual tax forms down to Schedule F, which is a more falsifiable claim than spreads tax returns
- Individual spreading with automated net worth and guarantor risk profiling supports the roll-up global cash flow requires, even though the phrase is never used
- Agricultural lending is genuinely served through Schedule F extraction and commodity tracking, which very few competitors here attempt
- · Its community bank and credit union pages are built on demo data styled as real outcomes, with invented borrower names, percentages and quarters. No named community bank or credit union customer appears anywhere on the site, and no community institution result should be cited from those pages
- · Corporate identity is muddled. The product site never mentions NDS Systems, while the trademark line and a shared Tampa address tie them together, so diligence has to reconcile two brands
- · No founding year, customer count, asset band or pricing is published anywhere, which is unusually opaque for a vendor of this apparent age
- · The site is a fully client-rendered application that serves a roughly 4KB shell to anything that does not run JavaScript, so almost nothing about the product is machine-readable, which is the likely reason it under-appears in AI research relative to its feature depth
Deployment
Cloud
Pricing
Quote only
Sweet spot
Enterprise and community banks, credit unions, specialty and private credit lenders, no published customer count
nCino
Origination platform moduleBest extraction feeding the calculation
nCino institutions that will scope the calculation in a demo
Standout
The best-evidenced extraction in the category feeding whatever calculation follows.
The broadest document extraction in the category with a published accuracy figure, plus Debt Schedules and Commercial Real Estate Analysis as separate modules of the credit analysis suite.
Eleventh because global cash flow is not named anywhere we reviewed, including the Credit Analysis Suite page, which is a striking absence for a platform recommended this often for community bank commercial lending. The inputs are excellent: the widest document coverage here, the only published extraction accuracy figure, and machine learning that improves on repeat borrowers. Debt Schedules and Commercial Real Estate Analysis exist as separate modules, so the raw material for a combined figure is present. Ask precisely which screen produces an entity-plus-guarantor coverage ratio before assuming it does.
- The only vendor here publishing a quantified extraction accuracy figure, at over 99% correct categorization of tax statement data
- Broadest documented document coverage, from tax returns and company-prepared statements to 10-Ks, 10-Qs, multilingual files and multi-currency statements
- Learns from prior work rather than re-extracting cold, using previous data mappings to improve later spreads
- Audited scale no private vendor here can match: over 2,700 customers, roughly 1,500 of them depositories, and $594.8 million in FY2026 revenue
- · Spreading is not separably purchasable in any published form. Every reference frames it as part of commercial origination, and the 10-K describes origination sold per seat or by asset size on three-to-five-year contracts, so a bank that wants only spreading has no published path to buy it
- · Global cash flow and covenant tracking are not named anywhere reviewed, including the Credit Analysis Suite page, which is a real gap for community bank CRE and guarantor work relative to Abrigo, Baker Hill and FISCAL
- · A meaningful part of the AI layer being sold is pre-delivery: role-based Digital Partners roll out across the platform over the coming year starting with the Analyst partner in November 2025, and Analyst is the one relevant to spreading
- · Both accuracy claims are vendor-measured with no published methodology, and some marketing boilerplate is stale, with one release still citing more than 1,800 financial services providers against 2,700 in the 10-K
Deployment
Cloud
Pricing
Quote only, per seat or by asset size on three-to-five-year contracts
Sweet spot
Financial institutions of all sizes globally, over 2,700 customers of which roughly 1,500 are depositories
Moody's Lending Suite
Origination platform moduleBest scoring instead of coverage
Large lenders whose policy runs on ratings rather than coverage
Standout
Base, supervisory and custom scenario analysis on the credit models.
Extraction and mapping into probability of default, loss given default, an implied rating and scenario analysis, with covenants handled in a separate monitoring product.
Last on this page because global cash flow is not mentioned on any Moody's lending page we reviewed, and the current spreading page does not even name the documents it ingests, so neither the calculation nor its inputs can be confirmed from published material. What it offers instead is a different analysis: scenario capability and dual risk rating models that produce a rating rather than a coverage ratio. For a US community lender whose credit policy is written around global debt service coverage, that is not a substitute, and a retired brand name adds a step before the conversation can even start.
- Spreading is coupled directly to Moody's own credit models, so the same data returns PD, LGD, an implied rating and sector risk triggers
- The audit trail is built explicitly for examiners, logging every action and input across the whole workflow to support regulatory transparency
- Spreading sits inside a complete origination flow covering borrower portal, KYC screening, memo generation, loan documents, e-signature and core integration
- Publishes spreading case studies with named institutions, including a large African bank on the older QUIQspread tool and a Taiwanese bank on origination
- · The name most buyers arrive with is retired. The capability URL for the brand Moody's previously sold spreading under returns a 404 and its marketing subdomain redirects to the Moody's homepage, so a buyer asking for that product is quoted something now called Lending Suite. Live customer tenants still answer on the old hostname, which is why the retired name persists in the market
- · The current spreading page never states what it ingests. There is no mention of tax returns, PDFs or scanned statements, only financial data from many sources, and the specific extraction claims survive only in older QUIQspread material
- · Global cash flow is not mentioned anywhere on the Moody's lending pages reviewed, which is a material gap for US community credit shops where entity-plus-guarantor analysis is table stakes
- · No community institution orientation at all: no asset band, no customer count, and no named US community bank or credit union. Every named customer is a large international institution
Deployment
Cloud
Pricing
Quote only
Sweet spot
Large and international banks, no asset band or customer count published
How to evaluate global cash flow capability without taking a demo's word for it
1. Ask which screen shows the combined number
Not whether the product supports global cash flow. Which screen, in the demo, on your file, shows the combined debt service coverage across all entities and guarantors. Products that have it will show you in a minute. Products that assemble it from separate modules will explain the concept instead, and that difference is the entire evaluation.
2. Bring a file with a property entity and two guarantors
One operating company on a 1120S, a real estate entity on a 1065 holding the building, two owners with 1040s and Schedule E rentals, and a distribution from the operating company to one of them. Ask for the combined coverage figure and then ask how the distribution was treated. The answer separates real capability from a template with more columns.
3. Find out who owns the add-back logic
Every institution treats depreciation, distributions, owner compensation and non-recurring items slightly differently, and your policy will change. Ask whether the conventions are configurable, whether configuring them is a service engagement or a setting, and who maintains them through upgrades. A product with fixed conventions will be fought by your analysts within a quarter.
4. Check that the inputs match your borrowers
A combined figure is only as good as what feeds it. If your files are tax returns and rent rolls, a product built for audited statements and ledger connections will produce a clean number from incomplete inputs, which is worse than a slow one from complete inputs. Match the document coverage to what your borrowers actually send.
5. Ask whether the combined position can be stressed
A coverage ratio at one point in time is a number. A coverage ratio that survives a rate move, a vacancy or a lost contract is an argument you can take to committee. Only two products here name scenario or stress testing on the combined position, so ask specifically rather than assuming it comes with the calculation.
6. Trace one figure back to its page
Pick a number in the combined calculation and ask where it came from. The good answer is a click through to the source document and page. The weaker answer is an export and a promise. This is the first thing an examiner asks about a multi-entity coverage figure, and it is much easier to buy than to build afterwards.
Frequently asked questions
What is global cash flow analysis?
It combines the cash flow of a borrowing entity, its related entities and its individual guarantors into one debt service coverage figure, after add-backs and adjustments. It exists because a small business borrower is rarely one entity. The operating company, the entity that owns the building and the owners who guarantee both have to be assessed together, since the debt they collectively service is what determines whether the deal works.
Which software handles global cash flow best?
Aloan for multi-entity calculation with add-backs applied inside one pass. Abrigo for an established suite that names it as an automated function alongside spreading. Wolters Kluwer CASH Suite for the most explicit documentation, including guarantor stress testing. FISCAL for calculation flexibility across multiple businesses, people and loans.
Do the big platforms all support global cash flow?
No, and this is the most useful thing on the page. nCino does not name it anywhere we reviewed, including its Credit Analysis Suite page, and Moody's does not mention it on any lending page. Both are recommended constantly for commercial credit work. Cync has every component and never uses the phrase. Confirm the capability in a demo rather than assuming platform size implies it.
Is entity spreading plus personal spreading the same as global cash flow?
Not quite. Having both spreads is necessary and not sufficient. The combined figure requires a defined treatment of distributions, intercompany rent, guarantor personal debt service and non-recurring items, applied consistently. A product that produces two good spreads and leaves the combination to a spreadsheet has automated the easier half of the job.
Can global cash flow be stress tested?
In two of the products here it is named as a capability: Wolters Kluwer CASH Suite stress tests borrowers and guarantors, and Global Wave runs global cash flow scenarios with dynamic stress testing. Abrigo offers what-if scenarios on its analysis, and FINPACK does portfolio-level stress testing. Elsewhere it is either absent or undocumented.
How do examiners look at automated global cash flow?
They ask where the numbers came from and who reviewed them. A coverage ratio spanning four entities is a calculation with dozens of inputs, and the practical requirement is traceability: each figure linked to a source document and page, overrides logged, and a record of analyst review. Products that produce that as a by-product make the conversation short.
Does global cash flow work for CRE deals?
It has to, and the inputs are the constraint. A property file needs rent rolls and operating statements, not just returns, and several products here do not document rent roll handling at all. Cync names rent roll normalization and NOI variance, Aloan names rent rolls on intake, and FISCAL spreads CRE credits. Check the document coverage before the calculation.
Why was this the hardest capability to research?
Because the phrase is ambiguous outside lending. Asked about global cash flow software, some AI assistants answer with corporate treasury and FP&A tools, which solve a completely different problem for a completely different buyer. Inside commercial credit it has one specific meaning, and the vendors who serve that buyer well tend to say the words plainly.