Built for High-Volume Lending
Small business loan and merchant cash advance (MCA) portfolios move differently than traditional asset-based lending. Repayment is frequent, often daily or weekly, factor rates replace fixed interest structures, and transaction volume is high relative to deal size. Managing that volume in spreadsheets creates risk and slows reporting. Oak Branch provides the operational backbone to track, reconcile, and report on these portfolios at scale.
What Oak Branch Handles
Loan & MCA Onboarding
Extraction and setup of key terms, factor rates, and repayment schedules at the point of origination.
Remittance Reconciliation
Daily and weekly reconciliation of expected versus actual repayments across the portfolio.
Covenant & Compliance Monitoring
Ongoing testing against deal terms and early flagging of delinquent or underperforming positions.
Portfolio Reporting & Analytics
Consolidated reporting across the full book, built for both investment and operations teams.
Investor & Lender Reporting
Reporting packages tailored to the requirements of investors, warehouse lenders, and fund administrators.
Built For Small Business Lending Partners
Private credit funds and managers financing small business loan or MCA portfolios; originators and fintech platforms scaling small business lending programs; warehouse lenders providing facilities against small business loan pools.
Purpose-Built for Small Business Lending
Oak Branch Advisor’s proprietary technology platform, PCS/1, centralizes loan and MCA data, automates reconciliation, and delivers reporting through a secure, scalable infrastructure, built specifically for the operational demands of private credit.
Get Operational in Days
Whether you’re scaling an existing small business lending program or bringing on a new MCA strategy, Oak Branch can be operational within days. Request a consultation to discuss your portfolio.
Frequently Asked Questions
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.
What types of small business financing does Oak Branch support?
We support small business term loans and merchant cash advance structures, including factor-rate repayment and daily or weekly remittance schedules.
Can Oak Branch Advisors handle high transaction volume?
Yes. Our infrastructure is built for portfolios with frequent repayment cycles and high transaction counts relative to deal size.
Do you work with fintech and non-bank originators?
Yes. We regularly support originators and fintech platforms that need institutional-grade operational infrastructure without building it in-house.
