What we examine
Audit Scope
A map of the sections we read when auditing a finance approval application — so you know what to prepare before we open the file.
Every finance approval application is a small archive: a persuasive cover story sitting on top of schedules, identity papers, and collateral extracts. Our audits follow that archive in the order a careful credit reader typically does — not the order that looks best in a pitch deck.
Use this scope page to assemble your draft. If a section below does not exist in your package, say so at intake; we will not invent pages to fill the map.
Cover narrative
Facility request, use of proceeds, repayment story, and any claims about market position. We check whether the story matches the numbers that follow.
Borrower & guarantor identity
Entity names, registration details, signatory authority, and guarantor packs. Inconsistencies here slow committees before credit debate begins.
Financial schedules
Income statements, balance sheets, cash-flow summaries, and bridges. We look for internal math and for claims in the narrative that the schedules do not support.
Facility terms requested
Amounts, tenors, covenants proposed, and security package summary — checked against collateral appendices and prior facility references.
Collateral appendices
Registry extracts, valuations, insurance, equipment lists, inventory summaries. Described more fully under our collateral review engagement.
Supporting letters & contracts
Customer concentration letters, lease agreements, purchase orders, and other exhibits cited in the narrative. We verify that cited documents are actually attached.
What sits outside scope
We do not appraise property, give legal opinions on enforceability, or predict a lender’s final decision. Those belong to valuers, counsel, and the credit committee. Our job is the integrity and readiness of the application.
Choose an engagement
If you need the full map read end to end, start with the Full File Audit. If only appendices worry you, see Collateral & Appendix Review.