Oak Branch Advisors specializes in providing solutions for participants in the private credit sector with needs that cannot be served with a “one size fits all” approach.
Our fundamental belief is that building services upon a strong foundation of leading edge technology and accurate asset-level data can foster enhanced transparency, better-informed decisions and efficient processes for our clients. Oak Branch has been a leading provider of forensic underwriting and litigation consulting services, supporting some of the largest banks and law firms in the country. Today, our team of highly-skilled market practitioners and analysts, in combination with our innovative and dynamic technology platform, provides solutions across all private credit assets. We take a consulting-like approach to each new engagement, customizing our service offerings and system configurations to meet our clients’ unique needs.
Configurable end-to-end technology accommodating any credit product.
Grow your portfolio without expanding headcount.
Level III valuations and decision critical analytics at your fingertips.
Whole Loan Quality Control, Underwriting Support and Forensic Due Diligence.
Our flexible cloud-based platform facilitates a wide variety of financial instruments and business processes, providing critical data and document onboarding, monitoring and analytics capabilities through the full lifecycle of a transaction.
Oak Branch offers a dynamic alternative to traditional middle office staffing. Our team provides comprehensive deal onboarding followed by ongoing administrative services including:
Leveraging the data collected and enhanced through our Middle Office Services, Oak Branch provides actionable valuation and analytics services in support of our clients’ critical investment decisions. Examples include:
In addition to providing Middle Office and Analytics Services, Oak Branch supports its whole loan clients from origination/acquisition through disposition and beyond with a full range of credit and due diligence services that help clients understand and manage all aspects of risk contained in their loan files:
Oak Branch helps market participants in the Middle Market Direct Lending sector efficiently navigate their operational and risk management challenges. Despite the tremendous growth of the sector, many lenders and investors are still struggling with how to scale their portfolios prudently and efficiently given the structural complexity of their loans as well as the wide variety of funding mechanisms used to finance their investments. Each loan agreement is highly negotiated by the front office with bespoke terms and conditions, which must then be operationalized by the middle and back offices as well as by the lender’s external service providers. Unitranche and Asset-Based Lending (ABL) transactions add more layers of complexity.
Oak Branch provides solutions for reconciling and normalizing cash flows, monitoring collateral and deal covenants, providing targeted analytics/reporting, etc. across a wide variety of loans and funding structures.Services for Asset Based LendingDOWNLOAD NOW >
Oak Branch works with Commercial Real Estate investors at all levels of the capital structure to achieve operational efficiency while optimizing transparency. By using a single system to capture the bespoke structural features, covenants/triggers and cash flows for each financing agreement as well as detailed property- and tenant-level information, Oak Branch provides an integrated solution for onboarding, monitoring and reporting on all aspects of a Commercial Real Estate transaction. Higher-level analytics such as valuation are performed on the same technology platform using deal-specific waterfalls, DSCR, Debt-Yield, LTV and other cash management triggers with forecasts based on the latest property/lease data. A flexible construction loan module also allows Oak Branch to provide added value by tracking budgets and invoices along with their associated advances to provide a comprehensive monitoring solution.
Oak Branch has extensive experience providing underwriting and due diligence services for the Residential Mortgage market. For Private Credit investors and service providers, Oak Branch provides comprehensive operational and risk management support through our whole loan, RPL/NPL and specialty sector services from pre-acquisition through disposition.
Data reconciliation is performed on our proprietary system across multiple sources including loan origination systems, loan files and other due diligence providers as well as normalization for reporting or securitization purposes. Oak Branch also calculates and tracks ongoing cash flows for loan, cohort and portfolio level reconciliations with client and/or servicer data. Finally, for those residential mortgage portfolios that are subject to eligibility rules, borrowing base compliance and other performance criteria, Oak Branch provides analytical solutions and services that integrate the terms and conditions of a variety of financing mechanisms.
The Structured and Specialty Finance sectors of Private Credit comprise some of the most complex and varied credit transactions in the market. As such, many asset managers, investors, funders and service providers struggle with how to scale their portfolios prudently and efficiently. Underlying collateral includes both real and financial assets such as inventory, marketplace loans, merchant cash advances, trade receivables, insurance premiums, equipment leases, etc. – all with their own unique characteristics and challenges.
Meanwhile, the financing mechanisms including Asset-Based Loans (ABLs), Structured Notes/Securities and Structured Funds are just as widespread. Oak Branch takes a modular approach to these structures by starting with due diligence and cash flow-based services at the collateral pool level and integrating them, as necessary, with the structures, covenants, eligibility criteria and cash flows of the funding vehicles. The flexibility of our unique technology platform allows us to incorporate all bespoke features and provide full transparency at each level of the transaction as well as at the fund/portfolio level.Services for Asset Based LendingDOWNLOAD NOW >