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Normalizing Unusual Financial Statements

July 19, 2021

When looking at a 3-year spread, what do you do if one of the statements is a substantial outlier? How can you establish a reasonable expectation of ability to repay? We know that past performance is...

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Benefits of a Tickler System Software

May 06, 2021

Because so many of our clients were keeping up with ticklers in Excel prior to switching over to FISCAL TRACKING, we sometimes have a tendency to focus on how Excel might be Slowing down your...

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How FISCAL Helped Banks and Credit Unions During COVID-19

March 17, 2021

The COVID-19 pandemic has changed the way people run their businesses indefinitely. Not only have we had to get used to new restrictions, working conditions, and hours, but we’ve also had to find...

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Global Cash Flow Analysis: How to Get it Right

February 18, 2021

When it comes to small business lending, you already know that conducting a global cash flow analysis is a must. These businesses may not cash flow sufficiently on their own, so you have to know how...

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How Excel Might be Slowing Down your Efficiency- FISCAL SPREADING

December 17, 2020

Decades ago, the introduction of spreadsheet software mostly eliminated the physical act of “spreading” financial statements, running ratios on a calculator or creating a cash flow analysis by hand...

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How Excel Might be Slowing Down Your Loan Tracking Efficiency – FISCAL TRACKING

December 09, 2020

As an institution grows, keeping up with financial statements and tickler tracking often becomes a frustrating and time consuming task. The farther you fall behind, the more time it takes. Many...

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