A private investment firm active across several esoteric lending strategies needed a way to monitor a growing set of warehouse credit facilities without relying on manual spreadsheet tracking. Oak Branch Advisors implemented daily collateral monitoring and compliance testing through PCS/1, giving the firm the operational foundation to expand into new structured lending strategies.
The firm provides financing across a range of esoteric lending strategies, including residential mortgages, healthcare receivables, and small business loans. As its warehouse lines grew, so did the volume of underlying collateral loans and the number of compliance tests and borrowing base calculations that had to be run against them on an ongoing basis.
None of this could be handled reliably in spreadsheets. The volume was too high, the tests too numerous, and the risk of a missed or miscalculated test too costly. The firm needed a solution built specifically for this scale and complexity, not a patchwork of manual workarounds.
Oak Branch Advisors built a direct data interface through PCS/1 to receive collateral loan-level data from the firm on a daily basis. From there, our team implemented the full set of eligibility and borrowing base compliance tests required across each warehouse line, running them consistently against the incoming data rather than in periodic manual batches.
Because the underlying strategies varied, testing logic was built to reflect the specific terms and structure of each facility rather than applying a single generic template across all of them.
With daily monitoring and testing in place, the firm gained clear, current visibility into every warehouse line and the confidence to keep growing. The relationship has since expanded well beyond the original facilities into private structured investments backed by additional asset types, including consumer loans, auto loans, aircraft, and non-U.S. mortgages.
Collateral loan-level data flows into PCS/1 on a daily cadence, keeping test results current rather than reliant on periodic reviews.
Each warehouse line's specific eligibility and compliance rules are modeled and tested automatically against incoming collateral.
Results are delivered through structured reports and dynamic dashboards, giving the firm real-time visibility rather than static point-in-time snapshots. Officer's Certificates are prepared on the fly.
This approach fits managers and originators running warehouse or asset-based lending facilities across traditional, esoteric or non-traditional collateral types, particularly where deal volume or strategy diversity has outgrown what a spreadsheet-based process can reliably support.
Daily collateral monitoring and borrowing base testing that moved a growing book of warehouse credit facilities off spreadsheets and onto PCS/1.
Data flows into PCS/1 on a daily basis, and eligibility and borrowing base tests run against it continuously rather than on a periodic manual schedule.
Yes. This client’s engagement has expanded significantly beyond its original scope as new lines and asset types were added, without requiring a rebuild of the underlying process.
