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FISCAL is the credit analysis software built for you.

Our credit analysis software offers straightforward, consistent tools to streamline statement spreading and tickler tracking, delivering smart efficiencies to community banks and credit unions.

Learn More About How FISCAL Can Help

Who is FISCAL for?

FISCAL SPREADING and TRACKING provides credit analysis, and financial spreading software for banks to help community banks and credit unions effectively handle their small business lending.

People often buy FISCAL because they have outgrown Excel for spreading and tracking, and need a more capable credit analysis software. They like Excel’s flexibility, but are looking to increase the efficiency of the input and the consistency of the output in their financial spreading platform — they need better credit analyst software.

Our automated financial spreading tools are built for people who typically work with tax returns, not audited financials, and put together deals that rely on the strength of the guarantor in order to cash flow. FISCAL customers include departments of one and those with dozens of users, but they’re all similarly focused on Global Cash Flow and don’t want financial statement analysis software to just “do it for them” because their deals require the kind of adjustments and analysis only human beings can make. If this sounds familiar, you’re the kind of person we work with all the time and our credit analysis software for banks could be for you!

FISCAL is focused on you.

Statement Spreading and Analysis

FISCAL SPREADING streamlines your underwriting process — without imposing structures that really work for large banks with large borrowers, not small business lending. Because we understand how community banks and credit unions work, we can keep you focused on your priorities by delivering standardization, consistency and flexibility. 


Reduce time spent with easy data entry.


Eliminate confusion and frustration with predictable reports and options.


Avoid the headache of rigid systems with convenient, real-world adjustments.

Exception and Tickler Tracking

FISCAL TRACKING streamlines your process for tracking financials and other loan documents with a system that works great right out of the box, and built-in flexibility to make changes globally or on the fly. Whether the department handles 20 loans or 20,000, we make it easy for community banks and credit unions to keep their portfolios clean.


Stay ahead of exceptions with built-in components and an intuitive process.


Keep everyone in sync with real time insight.


Make easy, case-by-case adjustments as needed.


FISCAL SPREADING and TRACKING streamline key processes for community banks and credit unions, effectively balancing consistency and flexibility.

People find it easy to use the familiar spreadsheet and checklist formats our bank credit analysis software offers, gaining the efficiency of standardized input, without losing the option to make necessary, real-world modifications to a given deal. And they appreciate the ability to add as much or as little detail as needed, without artificially rigid requirements.

FISCAL is not an end-to-end, assembly line solution with black box auto-decisioning and a one-size-fits-all workflow. Our financial spreading software works with YOUR processes, equipping you to do what you do better, faster and more easily.

FISCAL helps you get the job done.

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