Before a bank facility or refinance closes, lenders and borrowers both benefit from a clear view of working capital swings, contingent liabilities, and earnings quality. Our pre-loan financial due diligence engagement digests management accounts, debt schedules, and customer concentration so the credit narrative matches the ledgers.
Scope and timing
Typical coverage spans twelve to twenty-four months of financial history plus current-period run-rate. We highlight seasonal cash troughs, related-party balances, and covenant headroom under the proposed facility terms when those terms are shared with us. Most single-entity reviews finish within three weeks of receiving a complete data room.
Who receives the report
The report is written for your management team first. With your written permission we can join a lender call to walk through findings. We remain independent of the bank; our role is to clarify financial risk, not to advocate for approval.