A specialty finance lender hired Sapling to deliver a Field Exam Report and corresponding Exam Workbook for a specific client.
We redesigned the working process to make it more efficient in the first phase by identifying issues upfront. This approach allows us to focus additional work only on clients where it is necessary.
We conducted accounts receivable reconciliation against financial statements and the borrowing base certificate. We performed a dilution analysis, identifying potential customer concentration risks, and carried out a high-level assessment of receivable dilution and turnover days over the trailing twelve months.
We reconciled deposits from lockbox account bank statements with collected accounts receivable, analyzed the overall cash management process, and provided commentary on variances.
Sell-Side Quality of Earnings- August 26, 2026
A B2B distributor selling to major retailers in the U.S. engaged Sapling to perform a sell-side Quality of Earnings review to support the planned sale of the business. The engagement focused on reconstructing and validating historical financial performance using transaction-level data, bank activity, inventory records,...
Project Pipeline and 3-Statement Model- August 3, 2026
A heavy civil construction contractor running operations across several entities asked Sapling to build a management model that delivers private equity-level, best-in-class budgeting and scenario planning. The goal was a 3-statement model and dashboard that builds up from the project pipeline, so the team could...
