Cash Flow Analysis Made Easy!

We developed an innovative way to convert tax returns into a professional cash flow analysis with ease. Stop wasting staff time or money running cash flow analysis on your customers each year. Use our system, upload tax returns, and generate a cash flow analysis in a fraction of the time! Empower staff to run an accurate analysis without extensive training or paying accountants upwards of $150.00 for each spread.

We are 100% made in the UNITED STATES by US programmers subjected to background, credit checks, and confidentiality agreements. Our software is built using industry standard secure coding guidelines. All staff, owners, and contractors are US based. Ask our competitors if they can make the same claim? Do you really want the risk that your software was made by third-parties in foreign countries? 

Our system can replace all others with our automated, semi-automated, and manual capability to run cash flows on 1040 tax returns and schedules such as K-1s. Depending on the file quality uploaded our system can run a multi-year analysis in under a minute! Our cash flow algorithms are built by industry professionals with more than 30 years of experience. We believe our cash flow formulas to be more accurate than all other competitors, but if you disagree our system allows manual edits. We added a Fannie/Freddie self-employed output form to provide the inputs to complete your 1084s. 

NOW featuring our integrated Global Cash Flow process with 1065, 1120, 1120S added. You can now perform global cash flows on a combination of forms, adjust the ownership percentages for each entity, and switch between Cash or Accrual Basis. We are the only true Global Cash Flow system all in one with ability to integrate 1040s from multiple borrowers and all corporate forms. 

We offer our platform via VM Ware installed on your corporate server to protect your data and limit vendor management. We have a cloud option available or cloud/VPN options available depending on the features you want. The decision is always enhanced security versus usability. 

We expect to have our latest software update before the 2019 tax year to allow users to create spreads based off balance and income statements. The added feature will allow clients to perform complete spreads for commercial write underwriting. 



Maintain An Edge

Our cash flow analysis platform was built from the ground up with professionals who work in the industry. We know from doing thousands of analyses how time-consuming and painful these can be. Empower your staff to draft fast, accurate, and more cost-effective cash flow spreads with ROBOSPREADS! Adobe Acrobat Pro DC required for use. Download at

No NPI in Cloud or Enhanced Due Dilligence

We can offer a cloud version, but why put your customer's tax returns in the cloud and add in the headache of piles of vendor due diligence. Unlike our competitors we provide a secure plug in device that is installed locally! Run the program in your browser without accessing over the cloud. The in-house solution eliminates the third-party sharing risks!

Cash Flow Made Easy

Turn a time consuming, repetitive, and costly process into a breeze! Our system may be used by the most experienced lender to your newest processor. RoboSpreads makes tax analysis easy with automated spreads with limited to no intervention required. Our helpful tool tips and side by side analysis will make any review process a simple as can be!

Training and Expert Service

Our software is supported by Edwards Thrash and Associates LLC an affiliate of EV Banking Solutions LLC with more than 30+ years in the financial consulting and auditing business for financial institutions. We will post helpful cash flow training videos, guides, and be available to answer your staff's questions! Our software does the heavy lifting, but if you need it, we are here!

Reduce Costs

Accounting firms and consultants can charge upwards anywhere from $100-$500 per spread and these costs become annual events for many commercial loans. Not to mention all the spreads paid for on deals that don't close. Even doing spreads in-house is not free of charge as it costs staff time, effort, and training to produce a similar spread as our platform can generate in seconds.

Faster Outputs

We may not be able to always produce a cash flow instantly due to image quality, but in cases where review is needed our system removes most of the work and provides an easy to review side-by-side analysis. We only let you adjust line items that effect cash flow, reducing review, and highlight areas our algorithms designed to catch and identify errors.

Credalyzer Interface

RoboSpreads is the only cash flow platform that will interface directly with our flagship software Credalzyer, the software making Fair Lending easy! See more about our sister product at Empower your lenders even more by interfacing with our consumer lending platform!

Desktop, Mobile, or Local Install

ROBOSPREADS is designed to run on all mobile devices, tablets, laptops or desktops without the need to install an application. If you have internet and a web browser, you’re in business! Run our product in the cloud or onsite on our custom-built secure device. 




Our prices

Flexible Platforms for All Sizes

All platforms from the smallest to largest have the same user features and capabilities. We have complete cash flow platforms starting at $3,750.00 a year per branch plus a reasonable start-up fee for as little as $1,000 per device (includes initial device if internally hosted or VM Ware deployment with no device fee). The internally operated platform depends on the number of devices required to run your organization. We can supply needs for one to an unlimited number of branches whether through internal devices or our cloud service. Speak with your representative for details about the right fit for your institution!


Designed to fit the needs of most community lenders. Run unlimited financial spreads with pricing based on loan volume and asset size.

Request a Quote
One Login Per Client (no limit on how many users can be logged in and using at once)
Annual License Fee + a one-time start up fee
2-10yr term

Low Volume Lender

Best for small institutions or those with limited volume or the need for tax return spreads

Request a Quote
One Login Per Client (no limit on how many users can be logged in and using at once)
Lower Annual License + Per Anlaysis Fee + a one-time start up fee
Year by Year No Minimum Term

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Our clients

“Our sister company Edwards and Associates LLC has serviced Community Banks for over 20 years! We are committed to your success, and this software is an extension of our service to you!”

Our cash flow platform was built from the ground up with community lenders and professionals to provide only the best in technology, while considering the bottom line.

Community Lenders

“Our Founders Club consists of the original institutions using our beta software. We would like to thank them for their support and help in developing this platform!”

Our cash flow platform was built from the ground up with community lenders and professionals to provide the technology you need to run your institution, while considering the bottom line. We are building the future in Banking Software!

Our Founders Club

Our team

We Made Cash Flow Analysis Easy!

We answer when you call and contact any of our team, including the owners directly. We provide personal service in our consulting business as well as our software company.

M. Scott Edwards, CPA

Principal and Lead Advisor

Owner of Edwards And Associates LLC, 20+ Years in Banking, CPA, and Bachelor's Degree in Accounting from University of Arizona

A. Marcus Valen, MACCT, CIA

Principal and Senior Project Manager

11+Years in Banking, Audit, Compliance, Software Design, and IT. B.B.A Accounting, MACCT Masters of Accounting, IA, and Certified Internal Auditor

Abel Sanchez

System Architech and Engineer

IT Auditor, 13+ Years Exp, IT Manager, and Bachelors Degree in Computer Science.

Joe Ersinghaus

Software Architech and Lead Developer

10+ years in web application development, programming, and database infrastructure. Full Stack Developer

Ian Strascina

UX Design and Lead Data Modeling Architect

8+ Years Exp. in Web Application Development and Masters and Bachelors Degree in Computer Science

Sabrina Rojas, C.B.C.O

Chief of Marketing, Sales, and Training

8+ Years Exp. Compliance, QCR, IT & Administration Positions Held Associate ETA Education & Professional Designations ICBA Certified C.B.C.O