Reading cash-flow bridges inside loan applications · Field Notes
How we test the bridge between reported earnings and the cash figures lenders rely on when sizing repayment capacity.
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Practical writing from application audit desks
Short pieces on the questions that appear inside loan, grant, and credit packages—written for practitioners who handle the papers.
Grant applications and the quiet problem of matching funds · Field Notes
Matching contributions look straightforward on a form until bank statements refuse to show the money sitting where the narrative claims.
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When related-party sales inflate application revenue · Field Notes
A practical approach to spotting circular turnover between affiliates before it distorts a facility request.
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Building a document freeze date that committees can trust · Field Notes
Why agreeing a freeze date for the application package protects both the reviewer and the decision room.
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