Commercial Lending

FISCAL provides financial statement analysis, ratio analysis, projections, and guidance in credit decisions. Commercial lenders using FISCAL’s comprehensive, powerful, and reliable reports and analysis agree that the information is extremely valuable in the course of their work. You can expect to lower commercial portfolio risk, increase loan volume, and generate more income with standardized policies, consistent tracking, and institution-wide procedures

Evaluating a business’s projected ability to repay a loan, incorporating possible future debt into projections, and taking into account the personal financials of principals and guarantors are just a few of the many options for financial analysis available in FISCAL.

From initial discussions with the loan applicants through to the final payment, FISCAL Credit Suite is there. Industry comparisons, decisioning, projections, Cash Flow analysis, tracking of covenants, exceptions, and documents, and easy-to-use reporting tools are all available through one database hosted on your computers.

Click here to see short (2-4 minute) videos highlighting just a few of the tools available in FISCAL. Or click here to set up a hosted web demo with one of our trained sales reps.

"FISCAL software offers us a quick, easy and accurate way to spread business tax returns or CPA-prepared financial statements. This gives the analyst more time to review the reports and analyze the information, which is provided in an easy-to-read format. FISCAL offers RMA standard comparisons, graphs, financial projections and strategic analysis that are all designed to assist the analyst or commercial loan officer in evaluating the financial well being of current and prospective business customers."

Denise Smith
Credit Analyst
First Federal Savings Bank of Twin Falls, ID