[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-348460-105":53,"doc-detail-348460-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","total-lending-premium-financial-statement-analysis-solutions","Total Lending - Premium Financial Statement Analysis Solutions","","Total Lending powered by LaserPro provides standardized financial statement management and advanced analysis to help credit departments manage credit risk efficiently and consistently. It reduces the time spent by credit officers and analysts capturing, reviewing, and analyzing customers’ financial statements through configurable models and in-cell calculations. Key capabilities include automated financial spreading, standardized direct and indirect cash flow calculations, common and proprietary ratio calculations, peer-group comparisons, covenant monitoring, financial projections, and consolidated reporting with Microsoft Word and Excel integration.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":11,"@type":70,"position":76},"https://docshare.wps.com/template/presentations/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/total-lending-premium-financial-statement-analysis-solutions/348460/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/total-lending-premium-financial-statement-analysis-solutions/348460.png","ImageObject",442,249,{"name":88,"@type":89},"\tCallum ","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-11-01","2026-09-22",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",13,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"How does Total Lending reduce the workload for credit officers and analysts?","Question",{"text":109,"@type":110},"It standardizes financial statement capture, review, and analysis using advanced management and analysis features, including configurable models and in-cell calculations to streamline evaluation.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What does “financial spreading” do in Total Lending?",{"text":114,"@type":110},"It automatically calculates financial statement totals and ratios as users enter data, providing an instant view of period-to-period changes and supporting detailed worksheets and multi-currency comparisons linked to a base currency.",{"name":116,"@type":107,"acceptedAnswer":117},"Which analysis features are included for credit risk and financial performance evaluation?",{"text":118,"@type":110},"Total Lending supports ratio calculations (including liquidity, efficiency, profitability, and capital structure), cash flow analysis (direct and indirect, plus global cash flow), peer-group comparisons, covenant monitoring, financial projections, and custom reports and graphs.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},348460,1791719345,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":8,"category_name":11,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":76},137451211410,"https://ap-avatar.wpscdn.com/avatar/2000bb0a9246f588df?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786362646172706240","TOTAL LENDING™ POWERED BY LASERPRO®  \nPremium and Complete—Financial Statement Analysis Solutions to Manage Credit Risk More Efficiently and Effectively  \n“  \nTotal Lending™ offers powerful features enabling staff to quickly and accurately analyze financial statements.”  \nTotal Lending™ Powered by LaserPro® provides advanced financial statement management and analysis. It enables financial institutions to standardize their financial analysis process, while providing more accurate and consistent data.  \nThe Total Lending financial analysis solution offers an advanced financial statement management and analysis system and that reduces the time spent by credit officers and credit analysts capturing, reviewing and analyzing their customers’ financial statements. In addition, it offers credit professionals a full range of analysis capabilities, including:  \n• Mainstream and customizable ratios  \n• Peer-group comparisons  \n• Financial projections  \n• Consolidations  \n• Covenant monitoring  \n• Custom reports and graphs  \n• Integrated use of Microsoft® Word and Excel®  \nThis extensive tool enables the configuration of financial models to support a wide range of financial analyses, including commercial and individual analyses. In addition, users can enhance each model to include unique analytical tools. Furthermore, you can easily create and modify formulas to support key indicators. In-cell calculations for simple  \ndata entry, the ability to enter notes, easy navigation and detailed reporting capability provide efficient and organized evaluation of financial data.  \nExtensive Financial Analysis Capabilities  \nAvailable in both the Total Lending Premium and Complete bundle solutions, financial analysis capabilities offer many operational and analytical benefits to credit departments to help process customers’financial statements. Powerful features enable staff to quickly and accurately analyze financial statements.  \nFinancial Spreading  \nFinancial statement totals and ratios are calculated automatically as users enter financial data, offering an instant view of period-to-period changes. Some of the standardized financial models available include:  \n• Business (C&I chart of accounts)  \n• Personal (personal financial statement and tax return)  \nFINASTRA Factsheet 1  \nTotal Lending™ provides standardized direct and indirect cash flow calculations  \nAutomatically calculate commonly used financial ratios that address liquidity, efficiency, profitability and capital structure.  \n70  \nThe Total Lending™ Business  \nC&I financial model comes pre-configured with approximately 70 financial ratios and other key calculations.  \n• Nonprofit (fund accounting chart of accounts)  \n• Business Tax (business tax return)  \n• Income Property (CRE property cash flow) as well as additional models. Enhanced spreading tools include worksheets to capture detailed data and the ability to link data between a worksheet cell and a financial model item. Financial spreading can also be done in multiple currencies while associated to a base currency for comparative analysis.  \nTotal Lending™ provides the user with an easy way to navigate and organize the financial statements. In addition, it offers flexibility to configure how data is captured and displayed within the system. Future configuration enhancements to financial models are administered and maintained by your institution, thus providing your operation with the tools to adapt to changing analytical needs at no additional cost.  \nCash Flow Calculations  \nTotal Lending provides you with standardized direct and indirect cash flow calculations. Additionally, financial models can be configured to support various forms of cash flow analysis. This includes a true “global cash flow” perspective (combined personal cash flow, business income and debt service, etc.) . Entities using any financial model can be “linked” in order to share specific financial data. This automated data transfer between models  \nprovides a pow","cbCairuIBj8iXChl","https://ap.wps.com/l/cbCairuIBj8iXChl","pdf",3584458,8,"English","# Key Capabilities\n## Financial Spreading\n## Cash Flow Calculations\n## Financial Ratio Calculations\n## Peer Group Comparisons\n## Financial Projections\n## Reports, Graphs, and Integration","[{\"question\":\"How does Total Lending reduce the workload for credit officers and analysts?\",\"answer\":\"It standardizes financial statement capture, review, and analysis using advanced management and analysis features, including configurable models and in-cell calculations to streamline evaluation.\"},{\"question\":\"What does “financial spreading” do in Total Lending?\",\"answer\":\"It automatically calculates financial statement totals and ratios as users enter data, providing an instant view of period-to-period changes and supporting detailed worksheets and multi-currency comparisons linked to a base currency.\"},{\"question\":\"Which analysis features are included for credit risk and financial performance evaluation?\",\"answer\":\"Total Lending supports ratio calculations (including liquidity, efficiency, profitability, and capital structure), cash flow analysis (direct and indirect, plus global cash flow), peer-group comparisons, covenant monitoring, financial projections, and custom reports and graphs.\"}]","Total Lending - Premium Financial Statement Analysis Solutions | PDF",1790073617]