Cash Management
Cash Management
Organize operating cash, reserves, and surplus funds according to when your business expects to use them.
Cash Management
We help businesses organize operating cash, reserves, and surplus funds according to liquidity needs, time horizon, and intended use.
Liquidity Planning
Determine how much cash should remain readily available for payroll, taxes, operating expenses, emergencies, and other near-term obligations.
Cash Allocation
Separate operating funds, reserves, and surplus capital so each can be managed according to its purpose, timing, and risk.
Short-Term Investments
Evaluate money-market funds, Treasury securities, certificates of deposit, and other short-term investments for funds not immediately required by the business.
Not All Cash Has the Same Job
Business cash can serve different purposes. The appropriate strategy depends on why the money is being held, when it may be needed, and how much risk is appropriate in the meantime.
Money needed for payroll has one overriding requirement: availability.
Funds needed to meet near-term payroll obligations generally require immediate access and a high degree of stability.
This money is expected to leave the business soon, so liquidity is more important than pursuing additional return.
The objective is not simply to hold more or less cash.
The objective is to determine what each dollar needs to do, when it will be needed, and how much risk is appropriate until then.
Cash management may be coordinated with treasury and liquidity planning, fixed-income solutions, general business investing, growth planning, and wealth management for business to align operating liquidity, reserves, surplus capital, and broader business financial goals.
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800.832.8514
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