Insights
Each article is written the way our reports are written, with the arithmetic shown. If the analysis is useful, the engagement will be more so.
26 July 2026 · 8 min read
Not a folder review and not an audit. It is a rebuild of the earnings picture from source documents. Here is what gets reconciled, what gets tested, and what a real engagement finds.
26 July 2026 · 9 min read
Every small-business sale price is built on adjusted earnings, and adjusted earnings are built on add-backs. A worked schedule showing which claims survive scrutiny and which quietly inflate the price.
26 July 2026 · 9 min read
What lenders actually assess, the documents that decide the outcome, why good deals get declined, and how to walk in with a case a credit team can approve.
26 July 2026 · 8 min read
Banks do not read business plans the way investors do. Here is what a credit assessor actually looks for, section by section, and the mistakes that get plans set aside.
26 July 2026 · 8 min read
The 12-month cashflow forecast is the first thing a credit assessor opens. What it needs to contain, how to make the assumptions defensible, and the traps that sink credibility.