“Our application said the loan was for ovens and opening stock, but the supplier documents only supported the ovens. Resolver marked the exact gap and we added a separate stock schedule. I appreciated that they did not claim this would secure approval.”
— Lebo K., bakery owner, Bellville
“The report was thorough, perhaps more detailed than I expected, so working through it took most of a day. Still, the priority labels helped: we corrected the opening bank balance and explained our winter dip before sending the pack.”
— Pieter V., maintenance contractor, Somerset West
“A customer payment had been placed in the invoice month instead of the month we usually receive it. Shifting that timing exposed a tight week we needed to plan for. That was the most useful part of the cash-flow sense-check.”
— Ayesha S., uniform supplier, Durban
Client story: a vehicle-finance pack with two different totals
A regional delivery business was replacing two vehicles. Its application form included the deposit in the funding requirement, while the business plan described that amount as the owner’s contribution. The supplier quotations also expired before the planned credit review date.
The audit did not choose the financing structure. It identified the contradiction, referenced each location and asked the owner to confirm the intended treatment with the finance provider. The owner obtained current quotations, corrected the requested amount throughout the pack and added a note showing when the deposit would leave the bank account.
Client story: making seasonality visible
A small events supplier forecast equal monthly sales despite a history concentrated around year-end functions and summer weddings. Rather than replace management’s sales assumptions, the findings compared the forecast timing with bank receipts and asked for evidence supporting the changed pattern.
The owner revised the schedule to show a quieter winter, delayed an equipment purchase by one month and attached signed bookings supporting the stronger final quarter. The pack then explained the seasonal position instead of leaving an assessor to discover it.
These accounts illustrate review work, not lending outcomes. Names are abbreviated and details are shared with permission.