# FISCAL Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about FISCAL Software - reviews, pricing plans, popular comparisons to other Banking Systems products and more.

Source: https://www.capterra.com/p/79422/FISCAL/pricing

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# 

 FISCAL Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews)

FISCAL

## What is FISCAL?

FISCAL Forward is credit analysis software built for small business lending in community banks and credit unions. With standardized Tax Return and Financial Statement spread templates; consistent reports; and a flexible process throughout, FISCAL empowers you to move beyond Excel spreading. Don’t get forced into rigid, big-bank processes that don’t work for you. Get the Financial Analysis, Global Cash Flow, DSCR reports, and Word-based Credit Memo you need without the burden of a full LOS.

## What is FISCAL used for?

[Banking Systems](https://www.capterra.com/banking-systems-software/)[Loan Origination](https://www.capterra.com/loan-origination-software/)[Commercial Loan](https://www.capterra.com/commercial-loan-software/)

Overall rating

Based on 8 user reviews

Reviews sentiment

Positive

\-

Neutral

\-

Negative

\-

Contact vendor  
for pricing

Free trial  
available

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## Compare with a popular alternative

Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status.

### FISCAL

4.8 (8)

VS.

[4.9 (112)](https://www.capterra.com/p/191761/Mortgage-Automator/reviews/)

Starting Price

Contact vendor

Starting Price

Contact vendor

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

4.8 (8)

Ease Of Use

4.9 (112)

Value For Money

4.9 (8)

Value For Money

4.9 (102)

Customer Service

5.0 (8)

Customer Service

4.9 (111)

## FISCAL alternatives

[4.9 (24)](https://www.capterra.com/p/254642/HES-LoanBox/reviews/)

Starting price

$75000.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

100%

of reviewers

rated it above 4 stars

Highest Rated

[5.0 (6)](https://www.capterra.com/p/201030/Timvero-Core/#reviews)

Starting price

$3900.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

100%

of reviewers

rated it above 4 stars

[4.8 (285)](https://www.capterra.com/p/9277/The-Mortgage-Office/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

97%

of reviewers

rated it above 4 stars

[5.0 (5)](https://www.capterra.com/p/10018704/TaskSuite/#reviews)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

100%

of reviewers

rated it above 4 stars

[View all alternatives](https://www.capterra.com/p/79422/FISCAL/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Compliance Tracking

5.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Track and report regulatory data to either internal management or external stakeholders

Lending Management

5.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Initiate, finance, and manage the complete life cycle of loans and cultivate relationships with borrowers

Loan Processing

5.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Collect, organize, and prepare loan information to send to the lender for approval

Portfolio Management

5.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Overview of all programs that help compare initiatives, align projects with strategic goals and identify risk

Risk Management

5.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties

Cash Flow Management

Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period

FISCAL 14 features

Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period

Track and report regulatory data to either internal management or external stakeholders

Non-for-profit financial institution that is owned by all of its members

Alter the layout and content of reports

Pre-designed layouts that can be customized to match preferences and requirements

Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk

Provides commercial businesses with funds to finance various needs

Initiate, finance, and manage the complete life cycle of loans and cultivate relationships with borrowers

Process of securing a loan from a bank or any other lender.

Collect, organize, and prepare loan information to send to the lender for approval

Overview of all programs that help compare initiatives, align projects with strategic goals and identify risk

Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties

Create, save, and re-purpose templates for emails, forms, etc.

Set up connections to third-party platforms to improve business processes

Features

4.6 (8)

4.6

Based on 8 reviews

## Pricing

Value for money

4.9 (8)

### Starting price

Contact vendor  
for pricing

Free trial  
available

Value for money

4.9 (8)

4.9

Based on 8 reviews

## Support, customer service and training options

Customer Service

5.0 (8)

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Deployment

-   Web
-   Android
-   iPhone/iPad

Typical users

-   Freelancers
-   Small businesses
-   Mid size businesses
-   Enterprises

Customer Service

5.0 (8)

5.0

Based on 8 reviews

## User reviews

Overall rating

4.8

Based on 8 reviews

Filter by rating

5(6)

4(2)

3(0)

2(0)

1(0)

Mentioned topic

Sorted by most recent

DM

Doug M.

Portfolio Manager

Banking

### "Great Product "

4.0

Overall Rating

4.0

4.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

9/10

August 16, 2021

If you are looking for a spreading program without all the unneeded bells and whistles then FISCAL is perfect for the price.

Pros

This program is very easy to use and the customer support is very responsive and helpful.

Cons

As an admin it would be better if you could make behind the scene modifications without having to reach out to FISCAL as it is locked down.

Switched from

[nCino Cloud Banking Platform](https://www.capterra.com/p/140944/nCino/)

[Microsoft Excel](https://www.capterra.com/p/176574/Excel/)

The ease of the program along with the price

Alternatives considered

[Baker Hill NextGen](https://www.capterra.com/p/229109/Baker-Hill-NextGen/)

Reasons for choosing FISCAL

The ease of the program along with the price

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

MF

Martha F.

Sr. Business Lender

Banking

### "Best Software program available!"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

August 12, 2021

The customer service is great with FISCAL. My representative will call/email to check on me and if there is anything we need or have questions on. If he is not available they are great to refer me to someone that can help me on the spot. They are an awesome group!!

Pros

I have been using this software for many years now and it has made my job easier. I'm able to spread the financials and get my members an answer quickly on a loan request.

Cons

I love everything about this software. I did research before we purchased and it was recommended to me. I have been happy with the selection and have even added another user this year.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

SO

Stephanie O.

Senior Vice President

Banking

### "FisCAL Software"

4.0

Overall Rating

4.0

4.0

Ease of Use

3.0

3.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

February 14, 2020

We are able to help our customer banks that lack the expertise to spread their customers.

Pros

Data entry is easy Ability to customize a credit memo to suit our needs Report design

Cons

Color Scheme? Could be a little more cheery or offer the ability to change themes. There are some hidden options available. You have to know they're there in order to use them. I wish we didn't have to download the RMA data each time. It would be really cool is was an automatic update.

Switched from

[Microsoft Excel](https://www.capterra.com/p/176574/Excel/)

We wanted to be able to do more than just calculate a DCR. This allowed us the ability to also do a global cash flow on whoever whenever we want.

Reasons for choosing FISCAL

We personally found an error in another bank's spreads that were completed in Sageworks. The reports didn't flow as well and some didn't make sense.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

February 21, 2020

Thanks for the feedback! Balancing out-of-the-box functionality with powerful features for advanced use is certainly one of our challenges. Our bulletins, monthly training webinars, and responsive support are all part of the effort to help users find answers when they are ready for them!

CC

Cindy C.

Sr. Credit Administrator

Banking

### "Highly thoughtful and user-friendly platform!"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

February 11, 2020

Our bank has had an excellent experience with FISCAL SPREADING. We feel that there is a lot of thoughtfulness in the user interface design. The platform feels simple, but it has ability to generate all the results that we need.

Pros

\- Platform interface is intuitive and easy for a new user or a more junior individual to learn, particularly true for the basic spreading and reporting functions. This is important so that new employees or junior analysts can quickly learn how to use the platform. - Allows for both personal and business spreads in one platform, and both spreading templates are intuitive to use. - Advanced functionality is also excellent: creating multiple spreads for one entity (which is useful when we receive multiple type of reporting quality, such as co-prep, tax returns, CPA-audited, etc.); being able to quickly create global spreads and DSCR analyses; being able to document adjustments in the system; real estate sensitivity is also simple to complete

Cons

\- In my opinion, I think the system-generated reports can be enhanced aesthetically. - I have to click on multiple buttons to get to a report because pop-up windows keep arising such as "do you want to save your changes" and then "the grey letters will get cut off in printing" and then "do you want to select an RMA industry now" kind of messages every time. And they are the same pop-ups every time. - To export a report to PDF (which is our most common output format), there are multiple selections to be made. I believe the default is a .rpt format (which we never use).

Reasons for choosing FISCAL

We felt that FISCAL SPREADING is a tool that we could learn quickly on account of its intuitive user-interface, and the platform provided thoughtful functionality. We also felt that the customer service was excellent, as we were always put in touch with someone who knew the software and understood our questions. The pricing for the tool was reasonable. Our goal was to find a great spreading tool that our team could quickly learn to use. We did not want to pay for other functions that we did not need. We were also happy that we could retain the data on our own servers.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

February 21, 2020

Thanks! It's always good to hear that we are giving our power users the functionality they need even for their more complex credits!

BA

Bob A.

Director of Business Lending

Banking

### "Fiscal Spreading"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

February 10, 2020

For years, we used the software for our annual loan review only (spreading and tracking financial intel). In the past three years, we have used it as our primary work horse to assemble new loan credit packages and credit memos. We have been able to eliminate one-off spreadsheets, and create a consistency in look and feel that was not there before. We are very happy with the capabilities of the software.

Pros

We like the support from the Fiscal team the most with this software. They are wonderful people, who literally always answer the phone when we call. But we are not calling to get help using the software on day to day spreads; instead we are always looking for ways to expand what the software can do for us, and the support team is always there to bounce ideas and solutions off of.

Cons

In the past we had some issues with global debt service calculations, but we've been able to work through this kink, and things work just fine for us now.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

February 21, 2020

Thanks! We love to help people get the most out of our products by making changes where needed and by staying engaged to help them expand their use over time!

RF

Reagan F.

Sr VP/CCO

Banking

### "Financial Spreading Made Easy!"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

February 5, 2020

We use FISCAL for all our financial spreads and analysis for underwriting our commercial loans. My experience with FISCAL has been extremely positive and for the money, it's the best!

Pros

The ease in which the software is able to be utilized and the immediate functionality of it. I was looking for a financial spreading software that I could literally buy off the shelf and immediately put it to use. FISCAL did exactly that and much more. In addition, the support from FISCAL was the best I had seen and experienced before. Always accessible and always stayed with me via phone or email until my question was resolved.

Cons

The least thing I liked initially was having to set up a separate "entity" name when my borrower was an individual. Once I got the hang of it, it ceased to be any issue at all. With the updates to the software, this is not an issue any longer.

Reasons for choosing FISCAL

I chose FISCAL because it looked more user friendly than the other financial spreading software I had researched, the cost of the product, and the people who work at FISCAL which I experienced first hand in the demo. FISCAL proved me right on all accounts.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

February 11, 2020

Thanks! That's really good to hear!

JB

Julie B.

AVP of Commercial and Business Services

Financial Services

### "Excellent Resource"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

February 5, 2020

We decided to use Fiscal a while back and have really been impressed with the product and the staff support.

Pros

It is easy to use, very reliable, and you can make it as detailed as you like.

Cons

The initial set-up can take some time but definitely worth the effort once it is complete.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

RR

Robin R.

VP Credit / SBA Admin

Banking

### "Fiscal User"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

January 17, 2020

While I wouldn't call it a problem, the initial software that the Bank was using was high-end and we only used about 5% of the program's capabilities. Further, there was a major learning curve involved in regard to formatting, which could take several hours or days to figure out formatting. With Fiscal we are using all of the program and they will do the initial formatting of the credit analysis report. A couple of phone conversations and the Bank had the format we wanted. Totally different experience from the prior program.

Pros

The best part about the software is the ease of use. Since it is set up much like an Excel file, it is very easy to customize the charts to meet the needs of the Bank. Further, I really appreciate that the financial spreads can be exported into either a Word or Excel format. The export feature allows me to format the credit analysis report to meet the needs of loan committee, but also the Board of Directors and participating banks.

Cons

I would really like to see the Debt Coverage chart incorporated into the actual credit memo. For those loans that are not complex, coping the chart into the analysis isn't a problem However, when the borrower has several businesses and the global cash flow is extensive, coping the excel file into the analysis can present a formatting problem.

Reasons for choosing FISCAL

After comparing both products, we found that Fiscal is a better fit for our Bank. We knew other Bank's that matched our size and loan types that were also using Fiscal and each of those Bank's recommended that our Bank give the program a try.

Review source

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

Response from Vendor

February 11, 2020

Thanks! It's especially helpful to hear about the contrast you found between FISCAL SPREADING and a big-bank solution. Quick responses and efficient implementation are priorities for us!

[View all Reviews](https://www.capterra.com/p/79422/FISCAL/reviews/)

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