News & Updates

Investing in commercial lending software is a commitment. It takes time and resources to integrate the product into your processes and get employees the credentials and training they need. It’s also...

Helping a business grow or a new business open its doors is one of the most satisfying parts of working in commercial lending. However, the process of analyzing and approving small business loans can...

Today’s banks have a wide selection of options when it comes to loan origination and credit risk software. Community banks and credit unions are seeking software that’s going to make the process less...

Tax returns are an essential tool for analyzing the financial health of a small business and better understanding cash flow. While there is a wealth of information within these forms, tax returns...

Small banks and credit unions face a challenge as they grow–how to scale financial statement analysis as the bank’s portfolio expands. While growth clearly shows you’re doing something right, you...

A good debt service coverage ratio analysis is the primary factor in demonstrating a business’s ability to meet its debt obligations. To complete a debt service analysis, lenders calculate the debt...

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...

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...

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...