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Small credit unions are finding themselves at a crossroads between maintaining personalized member services and embracing technological advancements to enhance operational efficiency. Among these...
Technology plays a critical role in shaping how financial institutions operate, enhancing efficiency and precision – among these technological advancements, Artificial Intelligence (AI) has sparked...
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...
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...
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...
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...
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...
Small business lending is a numbers game, but when it comes to managing risk, there are subjective aspects of the process that go beyond the borrower’s cash flow and debt service coverage ratio...
“Digital transformation” is a popular buzzword today, referring to the efforts companies are making to connect all digital parts of the business seamlessly. The goals of a digital transformation are...
