A trusted partner for your clients' next loan or deal.
When a borrower is between finance leaders, needs to answer detailed credit questions or wants its financials ready for underwriting or diligence, Ledger & Oak works alongside them as a trusted advisor. We prepare clear, lender-ready financials and packages and keep you informed, so the relationship and the transaction move forward with confidence.
WHERE WE HELP
Supporting your clients at every step toward closing.
A transition in finance leadership
The company is between a CFO or controller and its next hire, and needs steady reporting, covenant certificates and a clear voice on the numbers in the meantime.
Answering detailed credit questions
Credit has asked for a forecast, a borrowing base or a walk through of a variance, and the client wants answers that are clear, supported and timely.
Preparing for underwriting
The client is assembling statements, schedules and reconciliations for underwriting and wants them consistent, complete and presented the way the lender expects.
Getting ready for buyer diligence
A broker has a seller preparing to go to market, and the financials need to be organized and documented to support a confident diligence process.
WHAT WE DELIVER
Financial cleanup and reconstruction
Reconciled, corrected and, where needed, reconstructed financial statements for the periods the lender or buyer requires.
Lender-ready packages
Statements, schedules, forecasts and narrative assembled the way credit teams expect to receive them.
Forecasts and covenant models
Cash and operating forecasts with covenant calculations, so the borrower and lender can see compliance ahead of time.
Quality-of-earnings-style support
Analysis of earnings, adjustments and working capital that prepares a business for a formal quality of earnings review. This is advisory work, not an audit or attest engagement.
Sell-side readiness
Clean financials, normalized earnings and a data room prepared before buyers begin diligence, so deals close on schedule.
Interim finance leadership
Fractional CFO or controller coverage until the borrower hires and onboards a permanent replacement.
HOW REFERRALS WORK
Confidential, fast and transparent with you.
You make an introduction
Call or email us with the situation. A short description is enough to start, and the conversation is confidential.
We assess quickly
We speak with your client promptly, review the books and tell them, and with their consent you, what it will take to get the numbers where they need to be.
We do the work
We clean up the financials, build the package or forecast and work directly with your client's team.
You stay informed
With your client's consent, we keep you updated on progress and timing, so you can plan the credit decision or the closing.
HOW AN ENGAGEMENT WORKS
Prove the value first. Commit later, if at all.
Assessment
We start with a focused review of your numbers, systems and the decision in front of you, and we tell you plainly what we would do and what it would take.
Project-based retainer
Work begins as a defined project or a modest retainer with monthly deliverables, so you see the value in your own numbers before any long-term commitment.
Ongoing support
Clients who continue do so on terms that fit the engagement, often month to month for businesses, because the work stays useful.
THE DECISION SUPPORT DISCIPLINE
Lenders and buyers ask the same questions a hospital board asks: what things cost, where margin comes from and what the forecast shows. Our Decision Support methods produce answers they can underwrite.
Have a client whose numbers are in the way?
Tell us about the situation in confidence. We will assess it quickly and keep you informed with your client's consent.