Solution · Financial spreading

Spreads in minutes.
Judgment back to your analysts.

For commercial banks, credit unions and private credit teams: Botminds reads the borrower's financials — audited PDFs, scanned tax returns, management Excels — and returns a spread mapped to your template, with every cell linked to the page it came from. Your analyst reviews and approves. Nobody rekeys anything.

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5× faster than manual spreading100% of numbers cited1M+ documents processed

The bottleneck

Your analysts were hired for judgment.
They're doing data entry.

Hours per file

An analyst turns a 34-page borrower package into a spread one cell at a time. Multiply by every deal, every renewal, every quarter.

Spreadsheet drift

Three analysts, three interpretations of "other operating income." The book stops being comparable across itself.

Slow time-to-decision

The borrower's other bank answers first. Spreading time is decision latency, and decision latency loses deals.

The product, not a promise

A spread you can interrogate

Click any number and see the exact page it came from. Low-confidence values arrive flagged, not hidden. Nothing posts until a named analyst approves.

Spread workspace — Acme Manufacturing · FY22–FY24

Line item	FY22	FY23	FY24	Source
Revenue	9,800	11,100	12,400	p.3
Cost of goods sold	5,700	6,400	7,100	p.3
Gross profit	4,100	4,700	5,300	calc
Operating expenses	2,600	2,900	3,250 verify	p.7
EBITDA	1,500	1,800	2,050	calc
Interest expense	410	430	445	p.5
DSCR	1.28×	1.36×	1.42×	calc

Cited. Source-to-line-item mapping on every cell — verification is a click, not a re-derivation.

Flagged. Uncertainty is surfaced with an amber flag and the exact question to resolve.

Approved. A named human posts the spread. That's the control your examiners ask about.

How it works

File in. Spread out. Five steps.

1
Intake
Audited PDFs, scanned returns, management Excels — any format, any quality, every channel.
2
Extract
Agents pull every line item across statements, periods and entities — including the handwritten ones.
3
Normalize
Line items map to your spreading template and chart of accounts, however the borrower presented them.
4
Analyze
Ratios, trends, variance checks and DSCR computed against your policy thresholds.
5
Approve
Your analyst resolves flags and signs off. The spread posts to your LOS with its audit trail.

Who it's for

Built for the people who own the number

Credit analyst

Stop rekeying. Start reviewing.

Spread arrives done — you verify by clicking citations, not re-deriving cells
Flags tell you exactly what to check, with the source page open beside it
Renewals stop being a copy-paste archaeology project

Head of credit

One standard across the whole book.

Every analyst spreads to the same template, the same treatment, every file
Throughput scales with deal flow — not with headcount requisitions
Policy thresholds applied on every spread, exceptions escalated to you

Risk & IT

Governed by design, not by memo.

Full audit trail: source document, extracted value, reviewer, approval
SSO, encryption, tenant isolation; runs alongside your LOS and core
No rip-and-replace — spreads post into the systems you already run

Commercial & industrialCRESBAEquipment financePrivate creditAgricultural lendingCredit unions

Objections, answered

What credit teams ask us first

How do I trust the numbers?

Three ways, stacked. Every cell cites its source page — verification is one click. Values below the confidence threshold arrive flagged with the specific question to resolve. And nothing posts until a named analyst approves. You never inherit a silent error.

Does it spread to our template?

Yes — your spreading template and your chart of accounts are the target, not ours. "Other operating income" lands where your policy says it lands, on every file, for every analyst.

What about security and audit?

SSO, encryption in transit and at rest, tenant isolation. Every agent action is logged: which document, which value, which policy, which reviewer. The audit trail is built for the exam, not reconstructed for it.

How long to deploy?

Weeks, not quarters. Botminds runs alongside your LOS and core — spreads post into the systems you already use. Start with one lending team, expand by book.

Bring your messiest borrower file.

A scanned 1040 with handwriting. A management Excel with merged cells. Watch it become a cited, flagged, approvable spread — live, in the demo.

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Spreads in minutes.Judgment back to your analysts.

Your analysts were hired for judgment.They're doing data entry.