Fiscal Spreading

Fiscal Spreading is credit analysis software for community lenders who work mainly with small businesses. Its maker, FISCAL, has been established since 1987. The tool replaces spreadsheets for entering and comparing financial statements, including tax returns and personal statements, and keeps the analyst in charge of judgement calls.

What Fiscal Spreading offers

• Statement spreading — standard data entry with tax form import and predictable reports.
• Global cash flow analysis — suited to deals that rely on a guarantor's strength.
• Real-world adjustments — flexible changes where a human analyst needs them.
• FISCAL TRACKING — a companion product for loan exceptions and tickler items such as covenants, insurance and collateral documents.

Who it works with

Community banks and credit unions, from departments of one person to teams with dozens of users.

Key facts

• Established: 1987.
• Related product: FISCAL TRACKING.