Cash Management Isn't Just for Big Businesses
Good cash management isn't about having a treasury department. It's about knowing what's coming in, what's going out and what needs your attention.
The Small Business Treasurer
Take Control of Your Business's Cash
Understand it. Forecast it. Manage it. Protect it.
Big-business treasury principles. Small-business practicality. Practical tools and guidance to help small-business owners understand, forecast, manage and protect their cash and capital.
Your business may not need a treasury department. But it still needs to manage its money like it matters.
Can you answer these questions about your business?
01
How much cash do you expect your business to have a few weeks from now?
02
How much money are you expecting from customers, and when will it actually arrive?
03
How much of the money in your bank account is actually available to spend?
04
What are your biggest cash commitments over the next few months?
05
What would happen if your largest customer paid you 30 days late?
06
Who can access your business's money and approve payments?
You don't need complicated systems to answer these questions. But you do need visibility. That's where good cash management starts.
Why Cash Management Matters →Cash Management Isn't Just for Big Businesses
Large businesses have finance and treasury teams whose job is to understand where cash is, what's coming in, what's going out and what the organisation will need in the weeks and months ahead.
Small businesses rarely have that luxury. But they still have cash to manage, decisions to make and risks to control.
You don't need a treasury department or complicated financial systems to manage cash well. You need to understand:
- How much cash do I really have?
- What's coming in, and when?
- What's going out, and when?
- What have I already committed to spend?
- What could put pressure on my cash?
- What might my cash position look like in a few weeks?
- Is the money I have properly protected?
The principle
Good cash management is less about complexity and more about visibility, planning, discipline and sensible controls.
Practical Cash Management
Straightforward thoughts, lessons and practical guidance about the money coming into your business, the money going out and the money you're working hard to keep.
How Far Ahead Should a Small Business Forecast Its Cash?
Does your business need a 13-week forecast? The right horizon is the one you'll actually use.
You've Earned the Cash. Now Protect It.
Getting money into the business is only half the job. Sensible controls help you protect what you've worked hard to earn.
Free resource
Free 13-Week Cash Flow Forecast Template
A simple weekly template to help you see what your business expects to receive, what it expects to pay and what that could mean for your cash in the weeks ahead.
The template gives you 13 weeks to work with, but you don't have to use them all. Start with four weeks if that's what you can reasonably see. Extend your forecast as your visibility and confidence improve.
Want to understand what the numbers are telling you?
The template helps you see the numbers. The course helps you understand what they're telling you — and what to do next.
Learn the practical principles behind understanding, forecasting, managing and protecting your business's cash.
Built on real-world experience
Principles that matter, made proportionate
The Small Business Treasurer draws on more than 20 years of practical experience across international banking, corporate treasury, cash management, liquidity, payments, working capital and finance operations.
The aim is not to bring the complexity of a multinational treasury department into a small business. It is to take the principles that matter and make them practical, understandable and proportionate for smaller businesses.
Why we exist →Ready to Take Greater Control of Your Business's Cash?
Cash Confident: The Small Business Owner's Guide to Managing and Protecting Your Cash brings these principles together in one practical course designed for small business owners.
Understand your cash. Look ahead. Develop better cash-management habits. Protect what you've worked hard to build.
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