FISCAL

What FISCAL does

FISCAL (legal entity: Vision Software Solutions, LLC) is a privately held US software company founded in 1987 and headquartered in Charleston, South Carolina. The company builds financial statement spreading and loan exception tracking software for community banks and credit unions engaged in small business lending. Its product portfolio consists of two core offerings: FISCAL Forward, which standardizes financial statement spreading, tax return analysis (1120-S, 1065, 1040), and global cash flow analysis across multiple business entities and guarantors; and FISCAL TRACKING, which manages loan exceptions, covenants, UCC filings, collateral documents, insurance, and ticklers through pre-built checklists and automated alerts. Both products are positioned as targeted alternatives to large, rigid Loan Origination Systems used by big banks, with explicit emphasis on standardization plus flexibility for human-judgment adjustments.

Under the hood, FISCAL provides pre-built, customizable templates (Income Statement, Balance Sheet, Personal Financial Statement, 1120-S, 1065, 1040), adjustment panels for normalizing one-time items (e.g., PPP loans), automated credit memo population from core system data, scheduled and email-distributed reporting, image-recognition-based tax return scanning that auto-populates fields, and embedded RMA Annual Statement Studies benchmark data licensed from The Risk Management Association. The platform is delivered as licensed software with subscriptions covering support, updates, and training; pricing is quote-based and not publicly disclosed.

FISCAL generates revenue through software licenses and subscriptions sold via a consultative, demo-driven direct sales motion targeting US community banks and credit unions. The company maintains an inside sales team reachable at 800.248.5550, hosts the FISCAL Presents webinar series and FP Shorts video content, runs an active blog and monthly newsletter, and offers on-demand demo videos and live training sessions. It has no outside funding, no public listing, no disclosed parent company, and no M&A activity. Customer references are anonymized by institution asset size (e.g., a 1.5B Credit Union, 410MM Bank, 385MM Bank), and the company states its templates have been 'vetted by thousands of end users.'

Name

FISCAL

Legal name

Vision Software Solutions, LLC

Website

https://fiscalcs.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

FISCAL is a privately held US software company providing financial statement spreading and loan exception tracking software to community banks and credit unions. Its FISCAL Forward and FISCAL TRACKING products standardize small business lending underwriting and portfolio management workflows.

Ownership category

akta.pro rank

Product category

Credit Analysis Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Budgeting & Fiscal Planning (BPAIAEAA)

Keywords

• Credit analysis software
• Financial statement spreading
• Loan exception tracking
• Small business lending tools
• Community bank software

Headquarters

HQ city

Charleston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Licenses and Subscriptions: FISCAL generates revenue through software licenses and subscriptions for FISCAL Forward (spreading) and FISCAL TRACKING (tracking). The company provides ongoing support, updates, and training as part of the subscription. Pricing is quote-based and not publicly disclosed.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

FISCAL provides financial statement spreading and loan exception tracking software purpose-built for community banks and credit unions engaged in small business lending. Its two core products — FISCAL Forward (spreading and analysis) and FISCAL TRACKING (exception and tickler tracking) — replace error-prone Excel-based workflows with standardized templates for tax return analysis, global cash flow calculation, automated reporting, and pre-built checklists for loan covenants and documentation.

Product overview

FISCAL is a statement spreading and exception tracking software provider offering two integrated core products: FISCAL Forward for financial statement spreading and analysis, and FISCAL TRACKING for loan exception and tickler tracking. These products work together to serve community banks and credit unions for small business lending, providing standardized templates, consistent reporting, and flexible processes that balance efficiency with the customization required for deals that rely on guarantor strength and global cash flow analysis.

Differentiator

Problem solved

Functional benefit

Brands

• FISCAL Forward: Statement spreading and analysis software for financial statement analysis, tax return analysis, and global cash flow analysis
• FISCAL TRACKING
• FISCAL Presents
• FP Shorts

Products and services

• FISCAL Forward Financial statement spreading and analysis software designed for community banks and credit unions. It streamlines underwriting for small business lending by providing standardized, consistent, flexible spreading and analysis of tax returns and financial statements, with support for global cash flow analysis across multiple business entities and guarantors.
• FISCAL TRACKING Exception and tickler tracking software for loan portfolios. It streamlines tracking of loan exceptions, financial ticklers, tax returns, covenants, UCC filings, collateral documents, and insurance with pre-built checklists and intuitive reporting for community banks and credit unions.

Quantifiable outcome

• One customer estimated saved 'several hundred hours of manual work' from FISCAL's tax return due date change applets during COVID-19

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Abrigo: Abrigo provides credit risk, lending, and compliance software targeted squarely at US community banks and credit unions — directly overlapping FISCAL's customer base and lending-workflow use cases (spreading, exceptions, covenant tracking).
• Baker Hill (a Q2 company): Baker Hill delivers commercial loan origination, credit risk, and portfolio management software for community banks — the closest functional competitor to FISCAL Forward and FISCAL TRACKING in the same SMB-lending underwriting workflow.
• nCino: nCino's Commercial Banking Operating System includes credit analysis, spreading, and loan-exception management modules used by banks and credit unions, competing with FISCAL at larger community institutions.
• LendingPad: LendingPad is a loan origination and credit analysis platform built specifically for credit unions and community banks, addressing member business lending workflows similar to FISCAL's.

Broad incumbents

• Jack Henry & Associates: Jack Henry provides core banking and complementary lending software (including exception/tickler capabilities) to thousands of US community banks and credit unions — overlapping FISCAL's buyers even if FISCAL's spreading tool is more focused.
• Moody's Analytics: Moody's Analytics sells risk and credit-analysis software (including spreading tools and benchmark data) to financial institutions, overlapping FISCAL's analytical workflow at a much larger scale and broader portfolio.
• S&P Global Market Intelligence: S&P Global Market Intelligence provides financial data, analytics, and credit-decisioning tools used by banks — a broader incumbent that overlaps FISCAL's credit-analysis use case as part of a much larger data franchise.
• Finastra: Finastra's lending suite includes commercial loan origination and credit-analysis modules serving banks and credit unions, putting it in indirect competition with FISCAL's spreading and tracking tools.
• Temenos: Temenos provides core and lending banking software globally to institutions including community banks and credit unions, with credit-decisioning components that overlap FISCAL's value proposition.

Emerging players

• LendingTree / BusinessLoans (data-enabled SMB underwriting tools): While consumer-facing, LendingTree's SMB underwriting and analytics stack touches similar small-business credit-analysis workflows that FISCAL's community-bank customers originate, representing an adjacent/emerging technology pressure point.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fiscal-software
• Xx.com/fiscalcs

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FISCAL