Direct Lending

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 prudently and efficiently scale their portfolios 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.

Commercial Real Estate

Oak Branch works with Commercial Real Estate investors across 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.

Residential Mortgages

Oak Branch has extensive experience providing underwriting, due diligence and litigation consulting services for the Residential Mortgage market. Clients look to Oak Branch’s subject matter experts and experienced project management team for support throughout the litigation process, including performing comprehensive data collections, loan file completeness assessments, guideline matching, and loan-level reviews, as well as preparing and drafting expert reports, and deposition preparation.

Our team consists of mortgage credit and project management professionals who understand the issues and risks faced by financial institutions. 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.

Structured and Specialty Finance

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 prudently and efficiently scale their portfolios.

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.