Spreadsheets Break Down as Portfolios Grow
Private credit cash flows depend on the specific terms of each loan: interest and principal schedules, fees, resets, and triggers. As portfolios scale, modeling these across dozens of disconnected spreadsheet tabs becomes slow, fragile, and disconnected from the source-of-truth data. Accurate forecasting requires a model built on clean, integrated data.
One Integrated Model, Built on Clean Data
Loan-Level Cash Flow Modeling
Modeling of interest, principal, fees, and schedules for any loan or collateral type.
Forecasting & Projections
Forward cash flow projections built on integrated portfolio data.
Scenario Analysis
Customized scenarios tailored to each strategy and tested against realized performance.
Discounted Cash Flow (DCF)
DCF and time-series analysis to support valuation and decision making.
Integrated Data Sourcing
Models sourced from transaction documents, clients, funds, and third-party data providers.
Decisions Are Only as Good as the Model Behind Them
Reporting, forecasting, and decision making all depend on the accuracy of the underlying cash flow model. When models live in disconnected spreadsheets, they are slow to update and easy to break. A single integrated model gives managers projections they can act on with confidence.
Built for Managers Who Need Reliable, Scalable Projections
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.
One Model, Aggregated Across Every Strategy
PCS/1 models any loan and any collateral type, aggregating and parsing cash flows across the full spectrum of a portfolio so consumers of the data can drive reporting, forecasting, and decisions from a single source.
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 is cash flow modeling in private credit?
It is the process of projecting the interest, principal, fees, and other cash flows generated by loans and collateral, based on the specific terms of each transaction.
How is forecasting different from modeling?
Modeling captures how each investment generates cash flow. Forecasting projects that forward and tests it under different scenarios and assumptions.
Can you handle multi-strategy portfolios?
Yes. PCS/1 aggregates and parses cash flows across the full spectrum of a portfolio, including multiple strategies at once.
Why move off spreadsheets?
Spreadsheets are slow to calculate, easy to break, and are disconnected from source data. An integrated model scales and stays accurate, while providing the security that institutional investors demand.
What technology supports this service?
Our proprietary platform, PCS/1, models any loan and collateral type and supports forecasting, scenario analysis, and DCF.
Does Oak Branch provide forecasting scenario analytics?
Yes. Oak Branch can build forecasting scenarios for cash flows, repayments, defaults, losses, recoveries, borrowing base availability, covenant performance, and investor distributions. Scenario analytics can help clients evaluate downside cases, expected cases, and alternative operating assumptions.
Can PCS/1 support cash-flow forecasting?
Yes. PCS/1 can model projected cash flows using transaction assumptions, asset-level data, historical performance, and user-defined scenarios. Forecasting outputs can be used for liquidity planning, investor reporting, valuation support, and risk analysis.
