Spreading finance is the practice of organizing financial data from statements into a standardized format for easier analysis and comparison. This technique is commonly used by banks, credit analysts, and financial professionals to assess a company’s financial health over time. By spreading finance data, users can calculate key ratios, identify trends, and make informed decisions on lending, investing, or risk management. It involves structuring data from balance sheets, income statements, and cash flow reports into templates that allow for consistent evaluation. Whether performed manually or through automation tools, spreading finance enhances accuracy and efficiency in financial reviews. It plays a critical role in streamlining workflows and supporting data-driven strategies in today’s fast-paced financial industry.