SOFTWARE
BTA Pro Software for Business Tax Return Analysis
Every business tax return tells a financial story. Bukers BTA Pro helps bring that story into focus by converting tax return information into GAAP-equivalent financial statements and cash flow analysis, providing a clear and consistent financial foundation for commercial lending decisions.
Start with Smart. Lend with Confidence.
Efficient Analysis
Transform business tax returns and financial statements into meaningful financial analysis in no time. Generate cash flow statements, ratios, and cash driver adjustments that support lending decisions.
Consistent Reporting
Generate the same analytical reports for every borrower, providing a standardized presentation that simplifies credit review and documentation.
Evaluate Lending Scenarios
Create projections, perform stress tests, and compare multiple what-if scenarios. Assess the impact of changing assumptions before making a credit decision.
Focus on What Matters
Move beyond the mechanics of financial analysis and focus on understanding the borrower’s financial performance, repayment capacity, and credit quality.
Helping Lenders Analyze Business Performance with Greater Efficiency and Confidence
Business tax returns and financial statements each provide valuable insight into a company’s financial performance. Together, they create a more complete picture of the business. Bukers BTA Pro brings these sources together in a consistent format, helping analysts evaluate business performance, cash flow, repayment capacity, and credit risk with greater efficiency and confidence.
From Business Tax Return to Financial Analysis
Business tax return information is entered directly into screens that mirror the actual tax forms, making the spreading process familiar and easy to follow. As information is entered, Bukers BTA Pro automatically organizes the data into GAAP-equivalent financial statements, creating a consistent financial foundation for analysis.
Whether analyzing a simple pass-through entity or a complex corporate structure, BTA Pro organizes financial information into a consistent format that supports efficient and thorough credit analysis. Multi-year comparisons help lenders identify trends, evaluate financial performance, and gain deeper insight into a borrower’s business operations.
The software supports Forms 1065, 1120S,1120 and 990, including integrated Schedule K, M-1, and M-3 analysis, providing the flexibility to handle a wide range of borrower relationships.
Gain More from Business Financial Statements
Business tax returns are not always the only source of borrower financial information. BTA Pro also supports business financial statement analysis, giving lenders the flexibility to analyze financial statements, tax returns, or a combination of both within a single borrower relationship.
When different types of financial information are available from year to year, BTA Pro allows lenders to evaluate them together in a consistent format. Historical financial statements can be combined with business tax returns to create a more complete view of business performance, trends, and financial condition.
Whether working with internally prepared statements, reviewed statements, audited financial statements, or business tax returns, BTA Pro helps lenders organize financial information into meaningful analysis that supports informed credit decisions.
Cash Flow Analysis Models
Evaluate business performance from multiple perspectives using six cash flow models designed to support commercial lending decisions. Analyze repayment capacity, compare existing and proposed debt obligations, and gain deeper insight into a borrower’s ability to meet financial commitments.
Four Custom Cash Flow models—Traditional, Modified Traditional, Modified UCA, and Modified Indirect—provide the flexibility to incorporate existing and proposed debt obligations, capital expenditures (where applicable), and other adjustments needed to tailor the cash flow analysis to the borrower’s unique financial circumstances. Standard UCA and Indirect cash flow models are also available.
Reporting That Supports Better Decisions
Create professional reports that turn financial analysis into actionable lending information. Comprehensive trend, ratio, cash flow, and Cash Driver Adjustments help lenders evaluate borrower performance while providing documentation that can be printed, shared electronically, or incorporated into credit presentations and loan write-ups.
Projections & Stress Testing
Look beyond historical performance by creating projections and evaluating multiple lending scenarios. Test assumptions, compare outcomes, and assess how changing business conditions may impact future repayment capacity.
ProSight Peer Comparisons
Compare borrower performance against industry peers using the optional ProSight Peer Comparisons module. Access industry benchmarking data to provide additional context when evaluating financial performance, trends, and credit risk.
Automated Spreading
Reduce manual data entry by automatically importing business tax return information into BTA Pro using Bukers Tax Return Reader. Spend less time entering tax return data and more time on cash flow analysis.
Global Cash Flow Analysis
Most borrowers are more than a single tax return or business entity. Credit decisions often require lenders to evaluate the complete borrowing relationship, including personal cash flow, business cash flow, existing debt obligations, and proposed debt.
Bukers Global Cash Flow Analysis combines information from Taxanalysis and BTA Pro to provide a comprehensive view of repayment capacity across the entire relationship. Analyze multiple individuals, multiple businesses, and their associated debt obligations within a single global cash flow analysis.