Built around the question, not the report.
Traditional finance software starts with the data and leaves the thinking to you. Oak starts with your question — can I afford it, will I make it, what should I change — and works backwards through your numbers to a direct answer.
A finance chief that never clocks off.
Cross-module by design
Ask about a hire and the Advisor weighs your cash projection, margin trend, cost base and forecast at once. Answers reflect everything, not one report.
It learns your business
Your seasonality, your key clients, your pressure points. Every analysis adds to what the Advisor knows, so month three is sharper than day one.
Quantified, not vague
Not "consider reducing costs" — but "£640/month is leaving for nothing; start with these three subscriptions."
Reasoning on show
Every answer decomposes into the factors behind it, so you can challenge it, learn from it, and take it to your accountant with confidence.
How a lender would see you — before a lender does.
Oak assesses your business through the four lenses underwriters actually weight — account conduct, credit quality, compliance and trading history, behavioural risk — then gives you a readiness grade with the reasoning per lens and a prioritised 90-day improvement plan. AI guidance on readiness, not a lending decision: you walk into any application knowing exactly how you'll be read.
Account conduct
Credit quality
Compliance & trading
Behavioural risk
“The right answer, to the right question, in plain English.”
— The Oak brief
Sign-up to first insight, in five steps.
- 01Choose a plan — live in minutes
- 02Build your business profile — ten minutes
- 03Run your first module — cash flow is the classic
- 04Ask the Advisor the question you've been carrying
- 05Come back weekly — Oak sharpens as it learns
No data migration and no accountant needed to set it up. Oak works from the numbers you already know — and tells you which extra data would sharpen its answers as you go.