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# Oak Branch Advisors

> Oak Branch Advisors is a technology-enabled middle office and loan administration firm for private credit, headquartered in Greenwich, CT with an office in New York. Backed by its proprietary platform PCS/1, OBA provides loan administration, transaction surveillance, covenant and borrowing base monitoring, waterfall calculations, calculation agent services, cash flow modeling and reporting for lenders, borrowers, asset managers and institutional investors across all private credit strategies in the US and North America.

## Sitemaps
- [XML Sitemap](https://www.oakbranchadvisors.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Litigation Finance: Structuring Debt Around Irregular Cash Flows](https://www.oakbranchadvisors.com/litigation-finance-debt-structure/): Litigation collateral can produce substantial cash, but rarely on a schedule. How delayed draws, PIK, cash sweeps and payment waterfalls fit a litigation finance loan, and why administration becomes part of the credit.
- [What Is a Borrowing Base? A Complete Guide for Asset-Based Lenders](https://www.oakbranchadvisors.com/what-is-a-borrowing-base-a-complete-guide-for-asset-based-lenders/): What is a borrowing base in simple terms? A borrowing base is the maximum amount a borrower can draw under a credit facility, based on the current value of eligible collateral multiplied by an agreed advance rate, minus any reserves.

## Pages
- [News and Articles](https://www.oakbranchadvisors.com/news-and-articles/)
- [Terms & Conditions](https://www.oakbranchadvisors.com/terms-conditions/): Last updated: September 10, 2026
- [Legal](https://www.oakbranchadvisors.com/legal/): This page brings together the policies and notices that govern your use of the Oak Branch Advisors LLC website. We encourage you to review each of the documents below. Together they explain how we handle information, the terms on which we make this Site available, and important information about the content we publish.
- [Privacy Policy](https://www.oakbranchadvisors.com/privacy-policy/): Oak Branch A1. IntroductionOak Branch Advisors LLC (“Oak Branch Advisors,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy & Cookie Policy (the “Policy”) explains what information we collect through our website at oakbranchadvisors.com (the “Site”), how we use and safeguard it, the cookies and similar technologies we use, and the rights and choices available to you.Oak Branch Advisors provides middle-office loan administration, calculation agent, and related services to institutional participants in private credit and asset-based finance. This Policy applies to visitors to our Site and to individuals who contact us, request a consultation, or otherwise interact with us in connection with our services. It does not alter the terms of any separate agreement between Oak Branch Advisors and its clients, which govern the handling of client and portfolio data provided under those engagements.2. Scope of This PolicyThis Policy covers personal information we collect:Directly from you, when you complete a contact or consultation form, email or call us, or communicate with our team;Automatically, as you navigate the Site, through cookies, server logs, and similar technologies; andFrom third parties, such as analytics providers, business contacts, and publicly available professional sources.This Policy does not apply to third-party websites, platforms, or services that may be linked from our Site. We encourage you to review the privacy policies of any third party before providing personal information to it.3. Information We Collect3.1 Information You Provide to UsWhen you request a consultation, submit an inquiry, or otherwise correspond with us, we may collect:Identity and contact details – your name, business email address, telephone number, company or fund name, and job title;Correspondence content – the information contained in your message, inquiry, or request, and any documents you choose to share with us; andProfessional context – details about your organization and the services you are interested in, so that we can respond appropriately.3.2 Information We Collect AutomaticallyWhen you visit the Site, we and our service providers automatically collect certain technical information, including:Device and connection data – IP address, browser type and version, operating system, and device identifiers;Usage data – pages viewed, links clicked, referring and exit pages, date and time of access, and time spent on pages; andCookie data – information collected through cookies and similar technologies, as described in Section 7.3.3 Information From Third PartiesWe may receive information about you from analytics and advertising partners, from business or referral contacts, and from publicly available professional sources. We use this information to understand engagement with our Site, to respond to inquiries, and to conduct business development consistent with this Policy.We do not knowingly collect special categories of sensitive personal information through the Site, and we ask that you not submit such information to us unless specifically requested in connection with a service engagement.4. How We Use Your InformationWe use the information we collect for the following purposes:To respond to your inquiries, provide requested information, and schedule and conduct consultations;To provide, operate, maintain, and improve the Site and our services;To communicate with you about our services, including administrative messages and, where permitted, relevant updates;To analyze how the Site is used so that we can improve its content, functionality, and performance;To protect the security and integrity of the Site, prevent fraud or misuse, and enforce our terms;To comply with applicable laws, regulations, and legal process, and to establish, exercise, or defend legal claims.We do not sell your personal information, and we do not share it for cross-context behavioral advertising in exchange for monetary or other valuable consideration.5. Legal Bases for Processing (EEA/UK Visitors)If you are located in the European Economic Area or the United Kingdom, we process your personal information on the following legal bases:Legitimate interests – to operate and secure our Site, respond to inquiries, and pursue business development, where our interests are not overridden by your rights;Consent – for non-essential cookies and certain communications, which you may withdraw at any time;Performance of a contract – to take steps at your request prior to entering into, or to perform under, an agreement; andLegal obligation – to comply with laws and regulatory requirements to which we are subject.6. Cookie Policy6.1 What Are Cookies?Cookies are small text files placed on your device when you visit a website. They are widely used to make websites function, to improve efficiency, and to provide reporting information. We also use similar technologies such as pixels, web beacons, and local storage, which we refer to collectively as “cookies” in this Policy.6.2 Types of Cookies We UseCategoryPurposeStrictly NecessaryRequired for the Site to function – they enable core features such as page navigation, security, and form submission. The Site cannot operate properly without them, and they cannot be switched off in our systems.Performance & AnalyticsHelp us understand how visitors interact with the Site by collecting aggregated, non-identifying information about pages visited and any errors encountered, so we can measure and improve performance.FunctionalityAllow the Site to remember choices you make (such as your preferences) to provide a more personalized experience.Targeting & AdvertisingMay be set by us or our partners to build a profile of your interests and measure the effectiveness of campaigns. Where used, these are only set with your consent.
- [Esoteric Strategies](https://www.oakbranchadvisors.com/sectors/asset-based-lending/esoteric-strategies/): Overview
- [equipment finance](https://www.oakbranchadvisors.com/case-studies/equipment-finance-and-small-business-products/): An asset manager running equipment finance and small business product strategies was cash flow forecasting across dozens of siloed spreadsheet tabs, disconnected from the source-of-truth data held by its fund administrator. Oak Branch Advisors consolidated the forecasting and reporting into PCS/1, removing the manual bottleneck.
- [fund administrator partnership](https://www.oakbranchadvisors.com/case-studies/fund-administrator-partnership/): Case Study
- [non-performing loan analytics](https://www.oakbranchadvisors.com/case-studies/non-performing-loan-analytics/): Case Study
- [merchant cash advance securitization](https://www.oakbranchadvisors.com/case-studies/merchant-cash-advance-securitization/): Case Study
- [insurance company direct lending](https://www.oakbranchadvisors.com/case-studies/insurance-company-direct-lending/): Case Study
- [litigation finance administration](https://www.oakbranchadvisors.com/case-studies/litigation-finance-administration/): Case Study
- [warehouse lending administration](https://www.oakbranchadvisors.com/case-studies/warehouse-lending-abl-administration/): Case Study
- [Case Studies](https://www.oakbranchadvisors.com/case-studies/): Every engagement below is a real Oak Branch Advisors mandate, anonymized to protect client confidentiality. Together they show how we model, monitor, and report on complex credit across the full private credit spectrum, powered by our PCS/1 platform.
- [Small Business Products](https://www.oakbranchadvisors.com/sectors/asset-based-lending/small-business-products/): Overview
- [World-Class Cash Flow Modeling & Forecasting](https://www.oakbranchadvisors.com/services/cash-flow-modeling-forecasting/): We support private credit managers, funds, and institutional investors who need accurate cash flow modeling and forecasting across single strategies or entire multi-strategy portfolios.
- [Accurate Borrowing Base & Waterfall Calculations](https://www.oakbranchadvisors.com/services/borrowing-base-waterfall-calculations/): We support private credit managers, asset-based lenders, and structured finance participants who need dependable borrowing base and waterfall calculations across their facilities.
- [Commercial Real Estate](https://www.oakbranchadvisors.com/sectors/commercial-real-estate/): Why Commercial Real Estate Credit Needs Specialized Support
- [Structured Finance & Securitization](https://www.oakbranchadvisors.com/sectors/structured-finance/): Why Structured Finance Needs Specialized Support
- [Trade Receivables](https://www.oakbranchadvisors.com/sectors/asset-based-lending/trade-receivables/): Why Trade Receivables Needs Specialized Support
- [Consumer Debt](https://www.oakbranchadvisors.com/sectors/asset-based-lending/consumer-debt/): Consumer asset-based lending involves financing pools of individual consumer loans, often numbering in the thousands or tens of thousands, originated by banks, fintech platforms, or specialty lenders. Managing this collateral means handling high transaction volume and frequent portfolio turnover without losing accuracy.
- [Equipment Finance](https://www.oakbranchadvisors.com/sectors/asset-based-lending/equipment-finance/): Why Equipment Finance Needs Specialized Support
- [Litigation Finance](https://www.oakbranchadvisors.com/sectors/asset-based-lending/litigation-finance/): Why Litigation Finance Needs Specialized Support
- [Direct Lending](https://www.oakbranchadvisors.com/sectors/direct-lending/): Why Direct Lending Needs Specialized Support
- [Asset-Based Lending](https://www.oakbranchadvisors.com/sectors/asset-based-lending/): Why Asset-Based Lending Needs Specialized Support
- [PCS/1](https://www.oakbranchadvisors.com/technology-pcs1/): PCS/1 is Oak Branch Advisors' proprietary platform built specifically to model, monitor, and report on complex asset-based loans and private market transactions, the kind of deals that off-the-shelf software was never designed to handle.
- [Private Credit Managers](https://www.oakbranchadvisors.com/who-we-serve/for-asset-managers/): The Problem Asset Managers Face
- [Insurance Companies](https://www.oakbranchadvisors.com/who-we-serve/for-insurance-companies/): The Problem Insurance Companies Face
- [Foundations](https://www.oakbranchadvisors.com/who-we-serve/foundations/): What We Do for Impact Portfolios
- [Originators & FinTech Platforms](https://www.oakbranchadvisors.com/who-we-serve/for-fintech-originators/): The Problem FinTech Originators Face
- [Data Aggregation & Reporting](https://www.oakbranchadvisors.com/services/data-aggregation-reporting/): We build a data aggregation and reporting model tailored to your portfolio.
- [Calculation Agent Services](https://www.oakbranchadvisors.com/services/calculation-agent-services/): Sophisticated financing structures depend on accurate, independently verified calculations. When calculations sit solely with one party to a transaction, other stakeholders lose confidence. Independent calculation agent services provide the objectivity structured transactions require.
- [Concentration, Eligibility & Covenant Compliance](https://www.oakbranchadvisors.com/services/concentration-eligibility-covenant-compliance/): Why These Tests Cannot Be an Afterthought
- [Transaction Surveillance & Credit Facility Monitoring](https://www.oakbranchadvisors.com/services/transaction-surveillance-monitoring/): PCS/1 is utilized for transaction surveillance and credit facility monitoring, including tracking performance trends period over period, giving our surveillance teams the data and tools to identify client issues early across even the largest portfolios.
- [Middle Office & Loan Administration](https://www.oakbranchadvisors.com/services/middle-office-loan-administration/): Why You Need Specialized Support
- [Fund Administrators](https://www.oakbranchadvisors.com/who-we-serve/for-fund-administrators/): The Problem Fund Administrators Face
- [Disclaimer](https://www.oakbranchadvisors.com/disclaimer/): The website located at www.oakbranchadvisors.com (the “Site) is provided to you by Oak Branch Advisors, LLC (“Oak Branch”). All information on the Site is for informational purposes only and should not be construed as legal or investment advice. Oak Branch accepts no liability for the accuracy, content or completeness of any information posted on the site, nor for or any direct or indirect damages resulting from usage of or the inability to use the Site.
- [FAQs](https://www.oakbranchadvisors.com/faqs/): Choosing an operational partner is an important decision. Whether you're moving away from spreadsheets, replacing a provider, or preparing for growth, we're committed to providing the transparency and expertise you need to make an informed choice.
- [Services](https://www.oakbranchadvisors.com/services/): Managing private credit portfolios requires more than administrative support. Oak Branch Advisors delivers institutional-grade operational services designed to help lenders, borrowers, fund managers, investors, and originators operate with confidence.
- [Differentiators](https://www.oakbranchadvisors.com/differentiators/): As private credit markets become more complex, firms need operational partners who understand both the technology and the transactions behind the numbers. Oak Branch Advisors was built to solve challenges that traditional administrators, generic service providers, and software-only platforms often cannot. Our differentiators aren't marketing claims—they're the capabilities our clients rely on every day
- [Sectors](https://www.oakbranchadvisors.com/sectors/): Not all credit markets are created equal.
- [Who We Serve](https://www.oakbranchadvisors.com/who-we-serve/): Private credit transactions involve multiple stakeholders, each with unique operational, reporting, compliance, and monitoring requirements.
- [About](https://www.oakbranchadvisors.com/about/): Oak Branch Advisors was built to solve a problem that most traditional service providers were not designed to handle: the growing complexity of modern private credit. As non-bank lenders, structured finance investors, and specialty credit managers expanded into increasingly bespoke transactions, the gap between front-office dealmaking and back-office execution widened. Critical data lived in documents, spreadsheets, and siloed systems—making transparency, scalability, and security difficult to achieve.
- [Contact](https://www.oakbranchadvisors.com/contact/): Whether you're evaluating providers, replacing spreadsheets, or preparing for growth, we're here to help.
- [Home](https://www.oakbranchadvisors.com/): Oak Branch Advisors provides technology-enabled middle office support, loan administration, and portfolio surveillance powered by our PCS/1 platform for private credit funds, lenders, and borrowers.

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## Team Members

## About Oak Branch Advisors
- Oak Branch Advisors (OBA) combines subject matter expert teams with its proprietary technology platform, PCS/1 (Private Credit System 1), to run the middle office for private credit transactions.
- OBA helps private credit managers scale cost-effectively, improves the accuracy and transparency of reporting, and provides an independent check that transactions are monitored correctly.
- OBA adds the most value on complex, esoteric and asset-based transactions, where standard loan servicing software and generic fund administration fall short.
- Clients typically start with a small number of deals and expand OBA's role across more of their portfolio over time.

## Services
- Middle Office and Loan Administration: https://www.oakbranchadvisors.com/services/middle-office-loan-administration/
- Transaction Surveillance and Credit Facility Monitoring: https://www.oakbranchadvisors.com/services/transaction-surveillance-monitoring/
- Concentration, Eligibility and Covenant Compliance: https://www.oakbranchadvisors.com/services/concentration-eligibility-covenant-compliance/
- Borrowing Base and Waterfall Calculations: https://www.oakbranchadvisors.com/services/borrowing-base-waterfall-calculations/
- Calculation Agent Services: https://www.oakbranchadvisors.com/services/calculation-agent-services/
- Cash Flow Modeling and Forecasting: https://www.oakbranchadvisors.com/services/cash-flow-modeling-forecasting/
- Data Aggregation and Reporting: https://www.oakbranchadvisors.com/services/data-aggregation-reporting/

## Who OBA serves
- Private credit and asset managers: https://www.oakbranchadvisors.com/who-we-serve/for-asset-managers/
- Originators and FinTech lending platforms: https://www.oakbranchadvisors.com/who-we-serve/for-fintech-originators/
- Insurance companies investing in private credit: https://www.oakbranchadvisors.com/who-we-serve/for-insurance-companies/
- Foundations and impact investors (MRI and PRI portfolios): https://www.oakbranchadvisors.com/who-we-serve/foundations/
- Fund administrators (as a specialist partner, not a competitor): https://www.oakbranchadvisors.com/who-we-serve/for-fund-administrators/

## Sectors and strategies
- Direct lending: https://www.oakbranchadvisors.com/sectors/direct-lending/
- Structured finance and securitization: https://www.oakbranchadvisors.com/sectors/structured-finance/
- Asset-based lending: https://www.oakbranchadvisors.com/sectors/asset-based-lending/
  - Consumer debt, equipment finance, esoteric strategies, litigation finance, small business products and merchant cash advance, trade receivables
- Commercial real estate credit: https://www.oakbranchadvisors.com/sectors/commercial-real-estate/

## Technology: PCS/1
- PCS/1 (Private Credit System 1) is OBA's proprietary platform. It manages loan-level and collateral data, runs covenant, eligibility and concentration tests, calculates borrowing bases and waterfalls, and produces client reporting.
- OBA's own teams use PCS/1 to manage every client transaction.
- More: https://www.oakbranchadvisors.com/technology-pcs1/

## Proof
- Anonymized case studies covering warehouse lending and ABL administration, litigation finance, insurance company direct lending, merchant cash advance securitization, non-performing loan analytics, fund administrator partnership, and equipment finance and small business products: https://www.oakbranchadvisors.com/case-studies/

## Key resources
- What Is a Borrowing Base? A Complete Guide for Asset-Based Lenders: https://www.oakbranchadvisors.com/what-is-a-borrowing-base-a-complete-guide-for-asset-based-lenders/
- Frequently asked questions: https://www.oakbranchadvisors.com/faqs/
- What makes OBA different: https://www.oakbranchadvisors.com/differentiators/

## Leadership
- Chad Burhance, Chief Executive Officer
- Dan Hevesi, Executive Managing Director
- Bryan Boyer, Chief Technology Officer

## Contact
- Greenwich (headquarters): 500 West Putnam Avenue, Suite 400, Greenwich, CT 06830
- New York: 260 Madison Avenue, New York, NY 10016
- Phone: 203-542-7200
- Email: consultations@oakbranchadvisors.com
- Request a consultation: https://www.oakbranchadvisors.com/contact/
- LinkedIn: https://www.linkedin.com/company/oakbranchadvisors