--- title: News-Updates | Fiscal description: FISCAL is focused on small community banking software solutions. For over thirty years, our products have delivered standardization and efficiency to banks and credit unions across the country. We understand how you work. --- [Contact Us | 800.248.5550](https://www.fiscalcs.com/contact-us-form/) Monday – Friday, 9:00 – 5:30 ET [![fiscal-forward-logo-reverse-color](https://blog.fiscalcs.com/hs-fs/hubfs/fiscal-forward-logo-reverse-color.png?width=2000&height=938&name=fiscal-forward-logo-reverse-color.png "fiscal-forward-logo-reverse-color")](https://www.fiscalcs.com/) - [SPREADING](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Overview & Features](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Demo](https://www.fiscalcs.com/fiscal-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [TRACKING](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Overview & Features](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Demo](https://www.fiscalcs.com/tracking-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [About Fiscal](https://www.fiscalcs.com/about-us/) - [About FISCAL](https://www.fiscalcs.com/about-us/) - [The FISCAL Story](https://www.fiscalcs.com/our-story/) - [Testimonials](https://www.fiscalcs.com/testimonials/) - [Support](https://www.fiscalcs.com/support-services/) - [Banks](https://www.fiscalcs.com/solutions-for-community-banks/) - [Credit Unions](https://www.fiscalcs.com/solutions-for-credit-unions/) - [Blog](https://blog.fiscalcs.com/news-updates) - [PRODUCT DEMO](https://www.fiscalcs.com/product-demo/) # News & Updates ## Subscribe here. Enter your email address to get the latest FISCAL updates delivered straight to your inbox. Path 2 ## Fiscal ![Fiscal](https://app.hubspot.com/settings/avatar/d41d8cd98f00b204e9800998ecf8427e) FISCAL is focused on small community banking software solutions. For over thirty years, our products have delivered standardization and efficiency to banks and credit unions across the country. We understand how you work. Find me on: ### Recent Posts ## [![two people viewing financial reports on a laptop](https://blog.fiscalcs.com/hubfs/top-spreading-software-credit-union.png) Top Spreading Software Features for Small Credit Unions March 26, 2024 Small credit unions are finding themselves at a crossroads between maintaining personalized member services and embracing technological advancements to enhance operational efficiency. Among these...](https://blog.fiscalcs.com/news-updates/small-credit-union-software) ## [![AI under microscope in finance](https://blog.fiscalcs.com/hubfs/Ai_tools_for_finance%20(1).png) AI Tools for Finance: What is the Role of AI in Community Banking? February 09, 2024 Technology plays a critical role in shaping how financial institutions operate, enhancing efficiency and precision – among these technological advancements, Artificial Intelligence (AI) has sparked...](https://blog.fiscalcs.com/news-updates/ai-tools-for-finance) ## [![debts in big letters with a calculator](https://blog.fiscalcs.com/hubfs/annual-debt-service-calculation.png) Accurately Calculating Annual Debt Service in Excel January 09, 2024 Annual debt service is a foundational calculation for financial statement spreading and evaluating small business loans. Much like other key calculations, getting annual debt service right is...](https://blog.fiscalcs.com/news-updates/calculating-annual-debt-service) ## [![AI word over cityscape](https://blog.fiscalcs.com/hubfs/AI_in_Lending_Platforms.png) AI Lending Platforms: The Capabilities, Benefits and Challenges November 28, 2023 Artificial intelligence (AI) is rapidly advancing in today’s business world, finding its way into tools and software that companies use daily. In early 2023, Salesforce announced its native...](https://blog.fiscalcs.com/news-updates/ai-lending-platforms-the-capabilities-benefits-and-challenges) ## [![Spreadsheets with sticky note that says CFADS](https://blog.fiscalcs.com/hubfs/How%20to%20Calculate%20CFADS.png) How to Calculate CFADS: Cash Flow Available for Debt Service October 31, 2023 What Is Cash Flow Available for Debt Service (CFADS) CFADS, also commonly called cash available for debt service (CADS), is the amount of funds available to pay for a business’s debt obligations. It...](https://blog.fiscalcs.com/news-updates/how-to-calculate-cfads-cash-flow-available-for-debt-service) ## [![](https://blog.fiscalcs.com/hubfs/Tickler%20System%20in%20Excel.png) What Is a Tickler System and How Do I Use It In Excel? September 20, 2023 For decades, banks and credit unions have used tickler systems to manage commercial lending accounts and ensure they are staying on top of documentation. Once done on paper and kept in filing...](https://blog.fiscalcs.com/news-updates/what-is-a-tickler-system-and-how-do-i-use-it-in-excel) ## [![FISCAL Forward logo](https://blog.fiscalcs.com/hubfs/fiscal_forward_logo_blog_v3.png) FISCAL Forward Launch Advances Financial Statement Spreading Efficiency September 01, 2023 For more than 30 years, FISCAL has provided easy-to-use and reliable credit analysis tools to community banks and credit unions, helping them streamline their financial statement spreading and...](https://blog.fiscalcs.com/news-updates/fiscal-forward-launch) ## [![financial spreading reports](https://blog.fiscalcs.com/hubfs/FinancialStatementSpreadingUltimateGuide_blog-1.png) Financial Statement Spreading for Small Business: Your Ultimate Guide August 21, 2023 Small business lending is an essential part of community banking. For local banks and credit unions, lending to entrepreneurs and small businesses in the community helps foster economic development...](https://blog.fiscalcs.com/news-updates/financial-statement-spreading-guide) ## [![Financial Spreading Worksheet with Bank Teller](https://blog.fiscalcs.com/hubfs/Blog%20Images/Bank%20Teller.png) Spreading Financials: Common Mistakes to Avoid July 18, 2023 Community banks and credit unions that lend to small businesses typically have a standard set of practices they use to assess the risk and profitability of potential loans. While there are a number...](https://blog.fiscalcs.com/news-updates/spreading-financials-mistakes) [All posts](https://blog.fiscalcs.com/news-updates/all) [Next](https://blog.fiscalcs.com/news-updates/author/fiscal/page/2) ## Want to learn even more about FISCAL and what’s going on in our world? Sign up for our monthly newsletter to get updates on the software and industry delivered directly to your inbox. 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