Accend turns borrower documents into trusted, audit-ready financial data—then powers AI copilots for spreading, cash-flow modeling, and covenant tracking. Faster decisions, with accuracy and source-level traceability.
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Built for full underwriting packages
Tax & Financial Statement Document Intelligence
Tax-return packages
Tax returns aren’t just the main form—schedules, statements, and attachments hide critical details that are easy to miss.
Financial statements
Audited or unaudited, PDF or Excel, formats vary—and manual spreading and reconciliation burn hours.
Accend’s solution
Accend ingests the full package and produces structured, audit-ready spreads with traceable source links—ready for underwriting and cash-flow models.
One upload → audit-ready spreads in minutes. Accend auto-identifies form + tax year, indexes schedules/statements, and outputs structured spreads with source links.
Form 1040 / Form 1040-SR
. Main Form . Sch 1-2 . Sch A-F . Supporting statements
Form 1065 / 1120-S
. Main Form . Sch K/K-1 . Sch L . Sch M-1/M-2 . 8825 . 1125-A . Supporting statements
Form 1120 / 1120-C
. Main Form . Sch K . Sch L . Sch M-1/M-2 . 1125-A . Supporting statements
Need a specific form? We can support additional tax forms based on your workflow.
Parses audited and unaudited financial statements (IS/BS/CF) from PDF and Excel into structured spreads with source links. Automatically summarizes auditor notes to surface key policies and risk flags.
Handles complex real estate schedules
Parses Schedule E and Form 8825 at the property level—mapping income/expenses to each address + tax year for clean add-backs, rollups, and reconciliation
Finds what’s buried in statements
Reads supporting statements and “Other expenses/deductions” breakouts to capture hidden lines like amortization—and surfaces them directly in the spread with source links.
Centralized, bank-configurable
Cash Flow Spreadsheet Modeling Tool
Thousands of Excel cash-flow templates don’t scale.
Accend centralizes cash-flow modeling in one governed system. Parsed fields map instantly into bank-configurable models—while analysts keep spreadsheet control with audit-ready traceability.
Instant mapping + spreadsheet control
Fields flow into personal, business, and global models. Analysts can drill into source links, edit like a spreadsheet (overrides, rollups, notes), and rely on consistent bank-policy formulas and custom ratios—fully traceable for audit and second-line review.
Out-of-the-Box Models (Personal, Business & Global)
Guarantor / personal cash flow: K-1 method, EBITDA pass-through method, Adjusted Gross Income (AGI) method
Business cash flow: EBITDA method, CFADS method
Global cash flow analysis: Consolidates multiple business and personal entities (borrowers and guarantors) into a comprehensive global cash-flow view for scenario analysis.
Bank-Policy Configurable Models
We fine-tune chart of accounts, formulas, and custom ratios to match your bank’s policy—so every metric (EBITDA, DSCR, etc.) is calculated the way your policy defines, every time.
. Chart of accounts . Formula (EBITDA definition) . Custom ratios
FROM INTAKE TO COVENANT MONITORING
AI-Native Underwriting, End to End
Underwriting shouldn’t run on email and spreadsheets.
Accend powers AI-native workflows with audit-ready control: turning borrower documents into trusted, traceable financial data—and applying AI copilots and automation end to end, so teams move from manual → AI-assisted → automated underwriting without losing control.
Win More Deals with Accend’s AI-Native Underwriting
AI-powered tax return spreads in minutes Bank-policy configurable models Deep document intelligence & end-to-end workflow automation
Book a Demo & See It in Action
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