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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...

The Ultimate Guide to Attending ICBA Live 2024

February 15, 2024

The Independent Community Bankers of America ICBA LIVE annual conference is the largest gathering of community bankers in the world, offering an opportunity each year to learn, connect, and get...

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...

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...

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...

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...

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...

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...

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...