LenderAnalyzer builds the global cash flow behind an SBA or commercial credit. Upload the business returns, the affiliate returns, each guarantor's personal 1040 and personal financial statement, and the bank statements, and get a combined view of the cash available to service all the debt, business and personal, with a global DSCR and every figure traceable to its source line. Self-serve from $99 a month, a faster way to consolidate a borrowing group than keying each return into a spreadsheet and reconciling the entities by hand.
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Global cash flow analysis is the underwriting step that pulls a whole borrowing group into one view. Instead of looking at the operating company alone, the lender consolidates the cash flow of the business, any affiliated entities the owners control, and each personal guarantor, nets out the money that moves between them, and asks one question: across everything, is there enough cash to cover every obligation the group carries. The SBA requires it. Under SOP 50 10, a lender has to run a global financial analysis on every owner of 20% or more, because an SBA guaranty reaches the owners personally and their outside income and debts change the real coverage. Conventional commercial and CRE lenders do the same thing whenever a guarantor's support is material to the credit. Done by hand, global cash flow is the slowest spread on the desk: you key the business return, then a K-1 driven personal 1040, then the guarantor's living expenses and personal debt off a credit report and personal financial statement, then you reconcile distributions so you do not count the same dollar twice. One transposed figure or one missed elimination and the global DSCR is wrong. Global cash flow analysis software automates the mechanical part. LenderAnalyzer reads the business returns, the affiliate returns, the personal 1040s with their schedules, the personal financial statements and the bank statements, extracts every line, and assembles the combined cash flow and global DSCR with each value linked back to the page it came from, so the analyst validates the consolidation instead of building it. It is honest about scope. A full SBA origination platform also runs eligibility, the SBA forms, E-Tran submission and 1502 reporting, and systems like Abrigo, nCino and Baker Hill own that workflow. What LenderAnalyzer covers is the financial consolidation underneath it, self-serve from $99 a month, so a community bank, credit union or SBA lender speeds the global spread on every file without an enterprise contract.
A team buying global cash flow software is trying to consolidate a borrowing group faster without losing the rigor an examiner or the SBA expects. Here is how the analysis works and where automation actually helps.
Global cash flow analysis, sometimes called global financial analysis, consolidates the cash flow of a business, its affiliated entities and its personal guarantors into a single measure of cash available to service all of the group's debt. It exists because a loan is repaid by the whole borrowing relationship, not just the operating company. If an owner draws income from three entities and carries a personal mortgage and two car loans, the credit is only as strong as the combined picture, and global cash flow is how a lender sees that picture on one page.
You start with the business cash flow, typically EBITDA or a cash flow available for debt service figure off the business return. You add the guarantor's personal cash flow: wages, K-1 income and other personal income, minus estimated living expenses and personal debt service. You add or subtract affiliated entities the same way. The critical step is elimination: distributions already counted in business cash flow cannot be counted again as personal income, or the same dollar inflates both sides. Global DSCR is the result, combined cash available divided by combined debt service. SBA files commonly look for a global DSCR at or above 1.0 to 1.15, while conventional lenders often want 1.25x, though the threshold is set by policy.
Three errors show up again and again. Double-counting owner income, when distributions that already sit in business cash flow get added a second time as personal income. Missing intercompany eliminations across affiliated entities, so rent or management fees paid between related companies are counted on both sides. And skipping personal living expenses, which leaves the guarantor looking cash-rich on paper when day-to-day spending consumes most of the personal income. Automated extraction does not remove the judgment, but by pulling every figure straight from the returns and statements it cuts the keying errors that quietly change the answer.
For the business, three years of business tax returns and interim financials. For each affiliate, the same. For each 20%-or-more owner, three years of personal 1040s with Schedules C, E and the K-1s, a current personal financial statement, and recent personal bank statements. A credit report supplies personal debt service. That is a stack of documents per file, and it is why the manual global spread runs well over an hour. LenderAnalyzer reads all of these document types in one pass and lines the entities up, so the analyst reviews a finished consolidation instead of assembling it from a dozen PDFs.
Ways lending teams consolidate a borrowing group into a global cash flow and global DSCR, and where a self-serve analysis layer fits next to a full platform. Last updated July 2026; the enterprise platforms are quote-based, so confirm current pricing with each vendor.
| Approach | Best for | What it produces | Self-serve | Pricing |
|---|---|---|---|---|
| LenderAnalyzer This page | SBA, commercial and CRE lenders that want fast, self-serve global cash flow on every file | Extracts business, affiliate and personal returns, PFS and bank statements into a combined cash flow and global DSCR, every figure traceable to source | Yes, free live trial, no sales call | Transparent, $99 to $399/mo |
| Abrigo (Sageworks spreading) | Community and regional banks wanting spreading and global analysis in a credit platform | Financial statement spreading, global cash flow and a credit risk workflow for smaller institutions | No, sales demo first | Quote-based enterprise |
| Moody's Financial Analyst / CreditLens | Banks wanting enterprise spreading tied to proprietary risk models | Spreading, global cash flow and validation feeding portfolio risk models | No, sales demo first | Quote-based enterprise |
| nCino / Baker Hill (LOS with spreading) | Institutions wanting global cash flow inside a full loan origination system | Spreading and global analysis within origination, SBA workflow and portfolio management | No, sales demo first | Quote-based enterprise |
| Manual global cash flow template | Small portfolios and low SBA volume | Whatever the analyst keys and consolidates by hand across the entities and guarantors | Not applicable | Analyst time, over an hour per group |
Comparison compiled by LenderAnalyzer from public vendor materials, June 2026. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
Global cash flow analysis is the underwriting method that consolidates the cash flow of a business, its affiliated entities and its personal guarantors into one measure of cash available to service all of the group's debt. It gives a lender a single, holistic view of repayment ability across the whole borrowing relationship rather than the operating company alone, which is why it is central to SBA and guarantor-supported commercial credits.
Yes. Under SBA SOP 50 10, a lender must perform a global financial analysis on every owner of 20% or more of the applicant business, because the SBA guaranty reaches those owners personally. The analysis combines business cash flow with each 20%-plus owner's personal income, living expenses and personal debt to confirm the group generates enough cash to repay the loan.
Global DSCR is combined cash available for debt service divided by combined debt service. You take the business cash flow, add each guarantor's personal cash flow (personal income minus living expenses and personal debt), adjust for affiliated entities, and eliminate any distributions already counted in the business figure so no dollar is double-counted. SBA files commonly target a global DSCR at or above 1.0 to 1.15, while conventional lenders often want 1.25x.
Business DSCR measures only the operating company: its cash flow against its own debt service. Global DSCR widens the lens to the entire borrowing group, adding the guarantors' personal income and obligations and any affiliated entities. A business can show a comfortable standalone DSCR yet a thin global DSCR once the owner's personal debt and living expenses are included, which is exactly the risk global analysis is designed to surface.
Typically three years of business tax returns and interim financials, the same for any affiliated entities, and for each 20%-or-more owner, three years of personal 1040s with Schedules C and E and the K-1s, a current personal financial statement, recent personal bank statements and a credit report for personal debt service. LenderAnalyzer reads all of these document types and assembles the combined spread in one pass.
The three most common are double-counting owner income when distributions already in business cash flow are added again as personal income, missing intercompany eliminations so rent or fees between related entities are counted twice, and ignoring personal living expenses, which overstates the guarantor's free cash. Each one inflates the global DSCR and hides real risk. Pulling every figure straight from the source documents removes the keying errors behind them.
The mechanical part can. AI reads the business returns, affiliate returns, personal 1040s, personal financial statements and bank statements, extracts every line item, and assembles the combined cash flow and global DSCR, with the analyst validating rather than retyping. The eliminations logic and the final credit judgment stay with your team, but automating the extraction and consolidation removes the slowest, most error-prone step in every SBA and guarantor-supported file.
It depends on the model. Enterprise credit and SBA origination platforms that include global cash flow, such as Abrigo, Moody's, nCino and Baker Hill, are quote-based with no public pricing, and cost scales with institution size. LenderAnalyzer is self-serve and transparent at $99 to $399 a month with about 50% off annual billing, so a smaller lender can start consolidating borrowing groups the same day without a contract or a sales call.
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