Trace actual receipts
Bank statement credits are matched to invoices, customer patterns and declared turnover—not accepted at face value.
Independent application audit · South Africa
Cash flow that stands up to scrutiny.
We test the figures behind business loan applications before they reach a credit desk—tracing bank activity, normalising cash flow and documenting assumptions a lender can follow.
Request an application reviewSee how evidence is checked
Where we focus
Evidence before narrative
Expose cash pressure
Debt instalments, tax obligations, owner drawings and seasonal working-capital needs are brought into one supportable view.
Build a clear file
Review notes identify reconciled figures, unresolved exceptions and the source behind every material assumption.
Flagship engagement
Business loan cash-flow verification
For owner-managed companies and finance advisers preparing term-loan, vehicle-finance or working-capital applications. The review typically takes five business days after a complete evidence pack is received.
Read the scopeIncluded
- 12 months of bank activity reviewed
- Management figures reconciled to cash movement
- Existing debt commitments tested
- Normalised monthly cash-flow schedule
- Signed findings memorandum
From R8,900 excluding VAT. Complex groups quoted after document review.
From recent engagements
What clients noticed
“The reviewer found that two large deposits were director funding, not sales. Correcting that before submission made the application slower, but far more defensible.”— Manufacturing owner, Pinetown
“Our seasonal low point was finally visible beside the annual forecast. The lender’s follow-up questions were specific rather than a blanket request for more statements.”— Wholesale distributor, Durban
“I wanted a quicker answer and the evidence request felt exacting. The final memo did give our credit adviser a clean trail from invoices to bank entries.”— Logistics operator, Richards Bay