Fiscal Spreading & Tracking

Fiscal Spreading & Tracking is a Credit Analysis Software in Charleston, SC. The company provides statement spreading and exception tracking tools designed for community banks and credit unions engaged in small business lending. Its primary offerings include FISCAL Forward, which streamlines underwriting through global cash flow and debt service analysis, and FISCAL TRACKING, a dedicated system for managing loan exceptions, ticklers, and compliance documents. The software serves institutions of varying sizes, from departments of one to those with dozens of users, aiming to replace error-prone spreadsheet processes with standardized, flexible solutions that allow analysts to focus on relationship building.

The company was established in the late 1980s by brothers Bob and Barry Brinson and their brother-in-law Tom Bullock, who pioneered the shift of financial statement spreading from paper to personal computers. Vision Software Solutions acquired the product line in 2000, and the company has since operated into its third generation under the leadership of Barry Brinson Jr. and Mike Brinson. In 2008, the firm expanded its capabilities by acquiring ExceptionComplete, integrating it into the FISCAL SPREADING & TRACKING suite. The 2023 launch of FISCAL Forward introduced updated features for reporting and credit memos, reinforcing the company’s focus on secure, on-premise deployment where customer data remains behind the institution’s own firewalls. FISCAL Forward includes an editable Microsoft Word credit memo and financial statement templates, while FISCAL TRACKING features built-in checklists, real-time reporting, and automated letters to request information from borrowers.

Fiscal Spreading & Tracking holds a rating of 5 based on 12 reviews. The company has served the industry for over thirty years, with an average customer tenure exceeding eleven years. Its solutions are designed to balance consistency with the flexibility required for complex, case-by-case deal structures, offering core integration capabilities and dedicated support that resolves most inquiries without phone queues. Training is available through step-by-step videos, live webinars, and real-world engagement exercises, with support provided via phone and email.

By combining three generations of banking technology experience with targeted spreading and tracking tools, Fiscal Spreading & Tracking provides community banks and credit unions in Charleston with reliable, efficient software for managing small business lending portfolios.

The business is located on Carriage Lane, just steps from Ashley River Road and a short distance from Old Towne Road. It sits near Saint Andrews Parks and Recreation and the Wespanee neighborhood.

BizScoreAI awarded a Discoverability score of 100 out of 100, which ensures AI crawlers can find every page of the website so assistants can recommend the business. The Technical score of 92 out of 100 confirms the site is secure and indexable for search engines to read without errors.