Financial statements spread in under five minutes.

Spreading takes a counterparty's financial statements and puts them into one standard template, so every period and every company can be compared line for line. TrustPlus AI does it from the statements you upload. It finds the statement pages, translates the document if it needs to, pulls out every line, maps it to your spreading template with the counterparty's industry in mind and computes the ratios. The finished spread comes back in under five minutes, where by hand it takes around three hours, and your analyst confirms it.

Yes. It reads PDF, Excel, Word and image files, whether that is native text, a scanned page or a photograph of a printout, and it finds the statement pages for you. Statements in other languages are translated cover to cover, notes included, and the spread comes back in your working language.

Yes. You can upload several periods at once, as one document or a dozen, and mix annual accounts with half-year or quarterly figures. Each period lands in its own column of the spread, so you see the full run of years alongside the latest interims.

Yes. Each line is mapped to the line names in your own spreading template, with the counterparty's industry taken into account, and the mapping gets better with every spread your team completes. The finished spread arrives in your Excel template with your column and tab layout, mapped once, or as JSON over the API, and it stays fully editable.

Yes. Every figure in the spread carries the document, page and line it came from, and when you select a figure it shows you that line on the source statement. An analyst or an auditor can check any number against the original.

Better than 98% at line level. We measure it against tens of thousands of our own test sets, each one a set of statements with its confirmed spread. Every extracted figure is compared with the confirmed value for the same line and period, and a line only counts as correct when the value, sign and unit all match.

Yes. The ratios are computed straight from the three statements to the set you define, and that set can differ by industry. So an airline gets net debt to EBITDAR and fixed-charge cover, a bank gets net interest margin, cost-to-income and cost of risk, an insurer gets loss, expense and combined ratios, and an industrial company gets receivable, inventory and payable days and its working-capital cycle. If your team already has its own ratio definitions, we set those up as well, and each ratio is scored against the thresholds in your risk appetite.

Yes. Where the accounts include consolidated statements, the consolidated figures take priority in the spread.

Yes, if you want it. Your systems can connect over the API, which returns each spread with its source citations, so the figures land in your credit or loan system without anyone re-keying them.

You can try, and it often works on a clean, English, single-period PDF. It tends to go wrong on the statements that take up your time: the scanned or photographed ones, the ones in other languages, and the ones from smaller private companies that lay out their accounts their own way. TrustPlus AI has been tested on tens of thousands of such statements and reads them at better than 98% line-level accuracy, maps every line to your own spreading template, shows you the source line behind each figure, and never uses your data to train a model.