> ## Documentation Index
> Fetch the complete documentation index at: https://docs.relayhub.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Financial Spreading

> Make a standard spread with credit ratios from borrower tax returns

The **Financial Spreading** screen makes a standard spread from the tax returns of a borrower. RelayHub proves each value against the source document, or holds it for your review. The spread also shows the credit ratios.

**Financial Spreading** is part of the Lending module. It is in the **Modules** group of the sidebar. See [Modules](https://docs.relayhub.ai/modules/overview.md).

## Make a spread

**1. Click New spread**

On the **Financial Spreading** screen, click **New spread**.

**2. Open the spread**

Click the spread in the list to open it.

**3. Upload a tax return**

Click **Upload tax return** and select a PDF file. RelayHub reads the return and adds the values to the spread.

**4. Review the held values**

The **Review queue** shows each value that RelayHub holds for review. Click **Verify** to accept the proposed value. Or click **Correct**, enter the exact amount and click **Save**.

**5. Export the spread**

When no value is held, click **Export**. After the export, the spread shows **Exported**, and you cannot upload more returns to it.

In a spread, you can click a held cell in the grid to go to the **Review queue**. To enter the **Customer name**, the **Customer ID** and the **Analyst**, click **Edit details**. To go back to the list, click **Spreads**.

> [!NOTE]
>
> If the screen shows a message that uploaded returns go to a named provider, the borrower data goes to that AI provider. An administrator can set up an isolated provider. See [Custom LLM Endpoints](https://docs.relayhub.ai/administration/providers/custom-endpoints.md).

## Spreading settings

Administrators see a **Settings** button on the **Financial Spreading** screen. It opens **Spreading settings**:

* **Keep source documents**: how long RelayHub keeps the uploaded returns: **Until the spread is deleted**, **30 days after export**, **90 days after export** or **1 year after export**. The returns contain sensitive data.
* **Require an isolated provider before uploads are allowed**: when this is on, an analyst cannot upload a return unless your organization sends its LLM calls to its own provider.

## When the module is off

If the Lending module is off, the screen shows **Lending isn't enabled**. An administrator sees the link **Manage modules in Settings**, which opens the **Capabilities** screen. Other users see **Ask an administrator to enable the Lending module.**


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.