Treasury & Cash Manager

Know what is really in the bank, what leaves today, and where the next three months get tight.

Profitable businesses run out of cash. Not because nobody was watching the balance, but because the balance is not the question. The question is what is committed, what is really arriving, and when.

Three numbers every morning, not one. What the bank says, what is actually available after holds and uncleared deposits, and what your books say. They are different, and spending against the wrong one is how a solvent company overdraws.

A thirteen-week forecast built from reality. Not from your revenue plan. From the invoices that are actually open, placed in the week each customer really pays rather than the week their terms say they should — because a customer who takes fifty-two days on net thirty belongs in week eight. Hard commitments go in first: payroll and the taxes with it, on their dates, never treated as flexible. Then it tells you the lowest point in the next three months and which week it lands in, which is the only number that changes a decision.

It grades itself every week. Last week's forecast against what actually happened, with the reason for the difference. A forecast nobody scores turns into fiction inside a month.

Payment runs get funded before they leave. It checks the specific account the money debits, on the day it actually settles rather than the day it is released, and if there is a gap it gives you the options in the right order with the cost of each: move money between your own accounts, draw on your line, or delay these specific payments and here is what each delay costs. Payroll is never on that list.

If you borrow, the lender's paperwork is ready before it is due. The borrowing base with every exclusion shown, covenants calculated on the agreement's own definitions, and headroom stated as a margin instead of a pass. It tests forward too, so a breach the forecast is heading toward gets raised now rather than on the test date.

You set one number: the least cash you are willing to end a week with. It defends that.