Google Rating
5.0
Trusted by teams managing complex credit strategies
PCS/1 is a web-based technology platform that supports the modeling, ongoing maintenance, and reporting of complex asset-based loans and other private market transactions. It gives clients portfolio-level visibility into pools of loans and their underlying collateral, alongside the transaction-level detail needed to manage them day to day.
Where most systems in the market were built for standardized, securitized, or bank-regulated loan products, PCS/1 was built from the ground up for private credit, a market that by design sits outside those standardized parameters.
Most loan markets are highly standardized. They’re built to flow into securitized products or to satisfy bank regulatory frameworks, which means the software supporting them can be standardized too.
Private markets, and asset-based lending in particular, doesn’t work that way. Every transaction is governed by its own credit agreement, dense documents of bespoke terms, custom covenant definitions, and collateral eligibility criteria that don’t repeat from deal to deal.
To build a system that actually works for this market, you need to understand both the credit side and the technology side at the same time. That combination is rare, and it’s the reason a true off-the-shelf solution for complex ABL has never really existed. PCS/1 exists to close that gap.
Four capabilities that set PCS/1 apart from generic loan administration software.
Processes tens of thousands of lines of collateral against eligibility criteria and concentration limits, at a scale manual processes and spreadsheets can't sustain.
Handles intricate cash sweep and interest capitalization methodologies, and lets our team build and apply complex loan covenant rules to a transaction efficiently, without forcing bespoke deals into rigid templates. Transactions don’t have to have a separate spreadsheet to track critical components that don’t fit in a system.
Lets users view multiple loans across a single borrower, or aggregate collateral types across an entire portfolio of transactions, for a complete, single picture of exposure, performance trends and cash flow events.
Creates multiple sets of forecasted cash flows and tests them against realized cash flow over time, while tracking both back-leverage and incentive structures across a transaction.
Our platform helps clients spend less time managing processes and more time managing investments.
PCS/1 is accessible from the web and highly secure, operating on the best in class technology stack, giving it the reliability and scalability of modern enterprise infrastructure combined with the flexibility needed for bespoke private credit transactions.
Clients access their information through dynamic, dashboard-based reporting, that is fully configurable with views covering individual loans and full portfolios. A web-based client portal presents data sets and reporting in a comprehensive and intuitive user interface.
This is the layer that turns Oak Branch from a back-office vendor into an extension of a client’s own team: the technology handles the scale and complexity, while our specialists apply the expertise each transaction requires.
PCS/1 was built first to power how our own team manages client transactions. That won’t change. But the roadmap ahead is expanding what the platform can do and who can access it directly.
Included in the licensing model will be private equity and trial balance capabilities to further expand the operational footprint that PCS/1 already covers.
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.
PCS/1 is Oak Branch Advisors’ proprietary technology platform for modeling, monitoring, and reporting on complex asset-based loans and other private market transactions, including portfolio-level views across pools of loans and their underlying collateral.
Most loan administration software is built for standardized, securitized, or bank-regulated products. PCS/1 was purpose-built for private credit and asset-based lending, where every deal is governed by its own bespoke credit agreement, covenant structure, and collateral eligibility criteria.
PCS/1 can process tens of thousands of lines of collateral against eligibility and concentration limits, aggregate exposure across an entire portfolio of transactions, and run multiple forecasted cash flow scenarios against realized performance.
PCS/1 is cloud-based, running on AWS, and built on a Python, PostgreSQL, and Airflow stack.
PCS/1 has been in active internal use for over two years, supporting more than 100 transactions and USD billions in assets under management.
Yes. Clients currently access their information through PowerBI-based dashboards covering individual loans and portfolios. A unified, web-based client portal is in development.
Oak Branch Advisors plans to offer PCS/1 as a licensed, standalone product for larger organizations in the future, alongside the managed service model we offer today.
PCS/1’s focus is on the collateral underlying a transaction rather than spreading borrower financials the way many legacy systems do, since collateral performance is where the operational risk in asset-based lending concentrates.
