Automated 3-year historical financial spreading that banks trust.
Institutional spreads across three fiscal years plus trailing twelve months, with variance analysis, consolidation and an interactive ledger editor.
| 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% |
Institutional spreads
Revenue, COGS, gross profit, operating expenses, EBITDA, depreciation, interest and taxes are standardized into a lender-familiar chart of accounts across three fiscal years and a trailing-twelve-month column built from interim statements.
Trend and variance analysis
Year-over-year growth, gross and operating margins, days receivable, days payable, inventory turns and working capital are computed automatically and flagged when they move outside peer ranges.
Multi-entity consolidation
Operating companies, eligible passive companies and affiliates are consolidated with intercompany revenue, management fees and rent eliminated, so the lender sees one defensible picture of the enterprise.
Interactive ledger editor
Re-categorize a line item and every ratio, subtotal and memo exhibit recalculates instantly. Changes are versioned so you can show a lender exactly what moved and why.
Specification
- Periods
- FY-3, FY-2, FY-1, TTM, projected
- Ratios
- 22 liquidity, leverage, coverage and efficiency ratios
- Consolidation
- OC + EPC + affiliates with eliminations
- Output
- Excel workbook with live formulas
- Benchmarks
- NAICS peer ranges on margins and turns
- Versioning
- Every edit logged and diffable
Horizon Logistics LLC · consolidation with EPC
- 1Operating company (1065) and real-estate holding company (1120-S) uploaded; LoanPacket detects the EPC/OC rent relationship from Schedule E.
- 2$186,000 of intercompany rent eliminated; consolidated EBITDA restated to $742,300.
- 3Gross margin compression from 31.2% to 27.8% flagged; broker annotates fuel surcharge lag in the memo commentary.
- 4TTM column built from 8 months of QuickBooks interims plus 4 months of prior-year actuals, labeled accordingly.
“The spreads and balance sheet reconciliations match what our bank's credit analysts build by hand, except they arrive the same morning.”
Questions
Yes. Boutique and High-Volume plans include custom chart-of-account mappings so exports match the templates your lenders already use.
Interim months from QuickBooks, Xero or uploaded P&Ls are combined with the matching prior-year months from the filed return, and every month is labeled by source.
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.