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Commercial Lending Analysis System | TAC Credit Analysis Module
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Commercial Lending Analysis System

Commercial Lending Spread and Analysis Module

The TAC CREDIT™ Spread and Analysis Module makes a wide variety of essential reports available, each easy to manage and simple to create. The database incorporates convenient tools such as the Next Statement Due Date for each company.

Financial Statement Spread System

  • Ratio Analysis
  • Balance Sheet and Income Statement
  • Common Size and Y/Y Changes
  • Three Cash Flow Statements – TAC CREDIT™ Cash Flow; UCA Cash Flow; Indirect Cash Flow
  • Supporting Schedules
  • Working Capital/Tangible Net Worth Reconciliations
  • Charts of Key Financial Indicators
  • Optional Industry Data Comparisons
  • Stress Test of Key Cash Flow Drivers
  • Global Cash Flow Report

Tax Return Module (Patent Pending)

Expedite the input of IRS Tax Forms as you input tax returns directly into Tax Return Templates. TAC CREDIT then automatically creates the financial statements which you can edit as appropriate.

Consolidation Module (Patent Pending)

Consolidate multiple related entities, using multiple tax forms, into one group report that can produce the Global Cash Flow report together with personal guarantors and properties.

Personal Financial Statements (PFS)

You can input statements for up to 6 personal guarantors or use to spread an individual borrower. A combined PFS is provided.

Loan Covenant Compliance

Automatically complies up to 11 standard financial covenants and allows for manually complying other financial and non-financial covenants.

TAC Analyst™

Produce written reports, instantaneously. Our TAC Analyst feature produces a comprehensive narrative credit analysis to use in your credit approval process. It covers all the key analytical areas including Operating Performance, Financial Condition, and Cash Flow Analysis.

TAC Inquiry™

Key financial issues often require further clarification or detail from management. The TAC Inquiry finds and identifies them for you. This unique feature allows the user to input responses directly into the system, where they are automatically integrated into the TAC Analyst report.

TAC Analyst™ (with Inquiry Responses)

Integrates the TAC Analyst™ and TAC Inquiry™ reports to produce a comprehensive analysis to be used in the Credit Approval Process.


Be alerted to early signs of deterioration in a borrower’s financial condition, allowing you the time to successfully react. This Red Flags Report isolates the various indicators from the financial statements, which show when a commercial loan may be heading for problem status. Margin decline, quality of earnings, liquidity, cash flow coverage, leverage, and more are all examined. The report is fully automated and in narrative format.

Projection Module

This Module produces up to 5 years of projected financial statements based on 3 years of historical data. Trends are examined from which informed assumptions can be made. Reports include narrative comments, charts and a Debt-Service-Coverage Stress Test. The Stress test allows you to interactively alter key cash-flow drivers to evaluate the impact of various scenarios on the borrower’s ability to repay the debt as scheduled. Also includes a worksheet to aid the user in constructing meaningful loan agreement covenants and borrowing-base advance rates.

You work hard for your community, let TAC CREDIT work for you. Arrange an Online Demo and learn more about the advantages of TAC CREDIT™