From evidence pack to findings memo

1. Scope without sensitive uploads

The first call covers the business, facility type, requested amount, bank-account count and application date. Do not send statements through the public enquiry form. Once terms are accepted, we provide secure transfer instructions and an evidence list.

2. Completeness gate

We check statement periods, opening and closing balances, management-account dates and debt schedules. Missing months stop the review clock because conclusions drawn from a partial cash history can mislead.

3. Transaction tracing

Material credits are classified as customer receipts, transfers, asset proceeds, borrowing or owner funding. Samples are traced to invoices and ledger entries. Payments are grouped around operations, tax, debt service, capital expenditure and owner withdrawals.

4. Reconciliation and normalisation

Cash movement is compared with reported turnover and operating costs. Once-off items are shown separately rather than silently removed. Timing differences and unexplained variances are recorded for response.

5. Forecast challenge

Historic collection periods, margins and seasonality are compared with forward assumptions. Agreed downside cases test whether wages, suppliers, tax and proposed instalments can be met in the same month.

6. Close-out and issue

You receive a draft exception summary for factual correction. After the close-out meeting, we issue the schedule and signed findings memorandum. We can answer a lender’s factual question about our work with your written authority; we do not advocate for approval.

Evidence usually requested

• Full PDF statements for each trading and facility account
• Management income statement and balance sheet for matching periods
• VAT201 returns where registered
• Aged debtors and creditors
• Current loan, lease and instalment schedules
• Material customer invoices or contracts supporting forecast receipts

Arrange the initial scope call.