Contact Join Organization
One Carriage Lane, Bldg. K Charleston SC 29407-6060 UNITED STATES
+1 800.248.5550 +1 843.571.5700 +1 843.571.2511
1987 1 to 25

FISCAL’s financial statement spreading, loan analysis, and tickler tracking solutions are built for banks and credit unions that have outgrown Excel and need a more capable credit analysis software solution. FISCAL serves a range of institutions, from the smallest banks to those with dozens of lenders. They all share the need for a spreading solution that enables efficiency, creates consistency and eliminates time-consuming errors. With a focus on flexibility, FISCAL doesn’t pen you in with rules and rigid requirements better suited to big banks with large commercial borrowers submitting audited financials.

For more than 30 years, community banks across the country have depended on FISCAL to streamline their spreading and tracking tasks. A product of Vision Software Solutions, our bank credit analysis software is built to deliver benefits throughout the organization, including users, management, your board and examiners, and ultimately your customers.


Read More Read Less
Solutions Snapshot

FISCAL Forward and TRACKING streamline your statement spreading and tickler tracking processes without imposing rigid structures that don’t really work for small business lending. We understand how community banks work- our solutions can keep you focused on your priorities by delivering standardization and consistency, balanced with flexibility.

Software features include:

FISCAL Forward

  • Financial statement spreading for Businesses and Individuals

  • Global Cash Flow and Debt Service Coverage analysis

  • Credit Memo generation

  • Multiple spread templates and standard reports 

  • Easy-to-use interface for managing accounts


  • Financial statement tickler tracking

  • Document exception tracking

  • Covenant compliance monitoring

  • Policy exceptions

  • Customer-facing letter or email generation

  • Standard checklist templates and reports

  • Automated report creation and distribution

  • Quick view dashboard for extended visibility

Known for our outstanding customer support and robust training program, our expert team is happy to provide a one-on-one demo of FISCAL’s features and capabilities.

Functional Area
Lending: Commercial
Solutions for my Bank
Loan Processing & Operations
Loan Origination
Loan Review Services
Lending Software
Core Processor
(Any) Core Agnostic
Service Area Nationwide
ICBA Member Years 13