SOLUTIONS

Solutions for Tax Return Analysis and Borrower Cash Flow

Trusted for over 40 years, Bukers combines software, complimentary software training, professional education, and real-world support to help lending professionals analyze borrower financial information and cash flow with greater confidence and consistency.

The Challenges Lenders Face

Complex borrower cash flow scenarios often require more than simple calculations. Tax returns, financial statements, and cash flow analysis can create uncertainty without the right tools, training, and support.

Complex Tax Returns

Business entities, K-1s, depreciation, rental losses, and pass-through income can create uncertainty during borrower analysis.

Inconsistent Cash Flow Analysis

Different interpretations of the same tax return can lead to inconsistent underwriting decisions and increased risk exposure.

Limited Real-World Guidance

Many professionals receive software onboarding but little practical support for analyzing real borrower scenarios and financial complexity.

Find the Right Solution

Whether you need software, training, or help with difficult borrower scenarios, our solutions are designed to support both workflow efficiency and analytical understanding.

Software Solutions

Bukers software helps lending professionals organize tax return and financial statement information, evaluate borrower cash flow, and apply a more consistent process to complex income analysis. Whether the return involves business income, rental activity, depreciation, pass-through entities, or global cash flow considerations, the software is designed to support more efficient and reliable spreading.

The goal is not just faster data entry. The goal is better analysis, clearer documentation, and more confidence in the numbers used to support lending decisions.

Explore our Software Solutions

Each solution is designed to support different areas of tax return analysis, borrower cash flow evaluation, workflow consistency, and lending efficiency.

Bukers Taxanalysis is designed to help lenders spread personal tax returns and apply a more consistent and efficient workflow to borrower cash flow analysis. The software helps lenders calculate and document recurring borrower cash flow while supporting clearer analysis and documentation throughout the lending process.

In addition to tax return spreading, Bukers Taxanalysis also allows lenders to spread personal financial statements, providing a more complete picture of the borrower’s financial position during the analysis process.

Key Features

  • Individual tax return spreading
  • Personal financial statement spreading
  • Integrated reporting and documentation
Learn More About Bukers Taxanalysis

Bukers BTA Pro is designed to help lenders spread business and corporate tax returns while applying a more consistent process to business cash flow analysis. The software supports the analysis of business entities and more complex borrower structures commonly encountered during commercial and business lending.

When spreading business tax returns, Bukers BTA Pro automatically converts the input data into GAAP-equivalent financial statements. This helps present business financial information in a clearer and more meaningful format for borrower cash flow evaluation and lending analysis.

In addition to business tax return spreading, Bukers BTA Pro also allows lenders to spread business financial statements as part of a more complete borrower analysis process.

Key Features

  • Business and corporate tax return spreading
  • Business financial statement spreading
  • Converts tax returns into GAAP-equivalent financial statements
  • Automated tax return spreading
Learn More About Bukers BTA Pro

Global cash flow analysis helps lenders evaluate the borrower’s overall financial picture by combining personal and business cash flow into a more complete analysis. This approach is especially important when borrowers own multiple businesses or when personal repayment ability depends heavily on business performance.

By bringing business and personal financial information together, lenders can better understand how income, liabilities, and cash flow interact across related entities and obligations. This helps support a more informed and consistent lending analysis process.

Key Features

  • Combines personal and business cash flow.
  • Support for complex borrower structures.
  • Helps evaluate overall repayment capacity and risk exposure.
  • More comprehensive borrower cash flow evaluation.

Global Cash Flow Analysis is included at no additional charge in both Bukers Taxanalysis and Bukers BTA Pro.

Learn More About Global Cash Flow Analysis

Automated spreading helps reduce manual data entry by pulling information directly from the borrower’s tax returns into the software. This can help lenders work more efficiently and spend less time entering large amounts of tax return data during the spreading process.

The automated spreading tools are designed to support the lender’s workflow while still allowing the lender to review, interpret, and analyze the information being used during borrower cash flow analysis. The goal is to help simplify the process while keeping the lender in control of the analysis.

Key Features

  • Automated tax return data extraction
  • Reduces manual tax return data entry
  • Helps improve workflow speed and efficiency
  • Supports lender review and analysis processes

Automated spreading functionality is available in Buker BTA Pro.

Learn More About Bukers Tax Return Reader

Training Solutions

Whether users are learning the software or developing deeper tax return analysis skills, Bukers training solutions are designed to support both practical software knowledge and long-term professional development.

Complimentary Software Training

Bukers provides complimentary software training designed to help users become comfortable with the tools and functionality available within the software. The training focuses on helping users understand how to use the software efficiently as part of their lending analysis process.

Training sessions are designed to be practical and approachable, helping users build confidence with the software while improving consistency and day-to-day usability.

Key Benefits

  • Learn the software tools and functionality.
  • Build confidence using the software.
  • Improve consistency and efficiency during the analysis process.
Explore Software Training

Bukers Academy

Bukers Academy provides professional training designed to help lenders build a stronger understanding of tax return analysis, borrower cash flow, and real-world lending scenarios. The courses focus on the concepts behind the analysis, helping users better understand the information they review throughout the lending process.

This training is designed to help lending professionals make more consistent cash flow decisions and approach complex borrower situations with greater confidence.

Key Benefits

  • Strengthen tax return analysis skills.
  • Better understand borrower cash flow concepts.
  • Gain confidence with complex lending scenarios.
Explore Bukers Academy

Support Solutions

Bukers support solutions are designed to help users beyond software installation and setup. From software questions to borrower cash flow scenarios and tax return interpretation, the goal is to provide practical support that helps lenders work through real-world analysis situations with greater confidence.

Bukers Hotline

The Bukers Hotline provides ongoing support for licensed software users and Bukers Academy trainees. Support is designed to help users work through real-world borrower analysis situations while building greater confidence with both the software and the analytical process.

Questions often involve borrower cash flow scenarios, tax return interpretation, financial statement analysis, and software-related usability questions encountered during day-to-day lending analysis.

Support May Include

  • Borrower cash flow questions
  • Tax return interpretation suport
  • Financial statement analysis questions
  • Software usability and workflow assistance
Learn More About the Bukers Hotline