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Ideas for managing liquidity
How a treasury works, what decisions it makes and what information it needs to make them in time.
Treasury
Featured article
What is treasury management?
Treasury is more than receiving money, making payments and checking balances. What it does, how managing cash differs from managing liquidity, and how it works in practice.
By FLIQO Team6 min read
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ForecastingTreasury also manages uncertainty: why a good cash forecast has to change
A cash forecast that never changes isn't necessarily a good one; it may be a sign that nobody is reviewing its assumptions. Why forecasts change and how to make uncertainty visible and manageable.
11 min read
LiquiditySelling isn't collecting: why a company can grow and run out of cash
The cash conversion cycle and the time between making a sale and having the money available. Why growth can demand more cash, and what treasury's role is.
10 min read
Treasury
How do you know if treasury is managing liquidity well? The indicators that matter
A treasury can process thousands of payments without a single error and still manage its liquidity poorly. The indicators that show whether funds are being used well, and how to read them to decide.
9 min read
Liquidity
Consolidated vs. available liquidity: why can an organization have money while one of its companies runs out of cash?
The consolidated view adds up every company's money, but each company pays with its own. Why adding up balances isn't enough, and what you need to know to use liquidity where it's needed.
9 min read
Risk
What is a liquidity stress test and how can it prepare a company for a crisis?
A company shouldn't find out how long it can operate without its main revenue on the day that revenue stops coming in. What a stress test is, how it's built and what decisions it helps prepare.
11 min read
Liquidity
The hidden cost of idle cash: how much can a company lose by not managing its surpluses?
A company can lose money without making a single wrong move: all it takes is leaving funds idle longer than needed. How to recognize a real surplus and what it's worth to put it to work.
9 min read
Risk
Is it risky to keep all of a company's liquidity in a single bank?
A company can have enough money to pay everything and still be unable to use it when it needs it most. What counterparty risk is, how limits work and what treasury should keep under control.
8 min read
Liquidity
How much cash should a company really keep on hand?
Too much cash costs money; too little puts the ability to pay at risk. How to think about minimum cash, why it isn't a fixed number, and when a high balance is truly a surplus.
8 min read
Forecasting
Why do cash flow forecasts fail?
Most forecasts don't fail because of a calculation error, but because of the information, the assumptions and the events that weren't factored in on time. Seven causes and how to fix them.
8 min read
Forecasting
Liquidity forecasting: how much cash will your company really have tomorrow?
Knowing how much money you have today doesn't tell you whether it will be enough in thirty days. How a forecast is built, why it misses and what it's good for when it does.
7 min read
Liquidity
Solvency vs. liquidity: can a company have equity and still run out of cash?
A company can be profitable, hold valuable assets and show solid equity, and still be unable to pay what falls due tomorrow. Why solvency and liquidity are two different things.
5 min read
Liquidity
How does treasury manage a company's liquidity?
Having money in the bank doesn't mean having enough liquidity. Six tasks that separate a treasury that reports balances from one that anticipates decisions.
5 min read