A structure for your cash that holds up when your business gets more complex
When you're managing cash across multiple accounts, entities, or credit facilities, informal approaches start to break down. Treasury and liquidity planning gives your business a deliberate structure — with the flexibility to adjust as things change.
What this engagement puts in place
Treasury and liquidity planning is advisory work that results in a defined, documented structure for how your business manages cash reserves, uses short-term instruments, and maintains access to credit when operational needs shift.
Defined target cash balances
A clear framework for how much cash to hold at any given time — across accounts and entities — based on your operational patterns and risk tolerance.
Structured access to liquidity
Credit facilities and sweep arrangements evaluated and structured so you have access to cash when you need it — without holding more than necessary in low-yield accounts.
Plans that stay current
Quarterly review cycles built into the engagement so the structure adjusts as your business changes — not a document that becomes outdated in six months.
When your cash management needs outgrow your current approach
There's a point in a business's growth where cash management stops being a straightforward task and becomes something that genuinely requires structure. Multiple bank accounts. Different entities. Credit lines that need to be used thoughtfully. Short-term cash that should probably be working harder.
At this stage, informal approaches — watching balances, moving money reactively, relying on a credit line as a general buffer — start to introduce real costs and risks. Cash sits idle in one account while another runs tight. Credit facilities get used in ways that aren't optimal. Reserve targets, if they exist at all, are more feel than framework.
None of this reflects bad management — it reflects a business that's grown into a level of complexity that needs deliberate attention.
Cash sitting in the wrong places
Excess reserves parked in non-interest-bearing accounts while credit lines are simultaneously being drawn — a structural inefficiency that has a real cost.
No clear target for how much to hold
Without a defined reserve framework, cash decisions become instinctive — leaving the business either overcapitalized or periodically tighter than it needs to be.
Credit facilities used as a substitute for planning
Borrowing to cover operational gaps that a better-structured liquidity plan would have anticipated — adding cost and complexity that builds over time.
Our approach to treasury and liquidity
We work through four areas systematically — reserve targets, short-term instruments, credit facility structure, and ongoing review — building a coherent plan rather than addressing each in isolation.
Target cash balance framework
We define minimum, operating, and strategic reserve levels across your accounts and entities — calibrated to your cash conversion cycle, fixed obligations, and the nature of your revenue variability.
Short-term investment evaluation
For cash held above operational minimums, we evaluate sweep arrangements and short-duration instruments appropriate for your liquidity needs — balancing yield with the accessibility requirements of your business.
Credit facility structure
We review your existing credit arrangements — revolving lines, term facilities, any intercompany structures — and assess whether they're sized and structured for operational flexibility rather than just availability.
Quarterly review cycle
Included in the engagement — a structured review each quarter to assess how the plan is holding up against actual business performance and market conditions, with adjustments made as needed.
What working together looks like
Treasury and liquidity planning is typically the most involved of our three services — because the complexity it addresses is genuinely greater. But we structure the process so it doesn't become burdensome.
The initial phase involves understanding your full financial structure: how many accounts and entities, what credit facilities are in place, how cash currently moves between them. From there, we develop the framework and plan, present it, and work through it with your team.
The quarterly reviews are designed to be efficient — usually a focused working session to compare plan against actuals, identify any material changes in the business, and update the framework accordingly. The goal is that your treasury structure stays relevant without requiring constant attention.
Structural intake
We map your full cash structure — accounts, entities, credit facilities, intercompany flows. This gives us the foundation to build a plan that reflects reality.
Framework development
Reserve targets defined, short-term investment options evaluated, credit facility structure reviewed. We document everything clearly so your team can apply it without ambiguity.
Presentation and walkthrough
Full plan presented to your team with explanation of every component. We cover the reasoning, not just the recommendations, so your team understands the framework.
Quarterly reviews (ongoing)
A structured review session each quarter — plan versus actuals, business changes, market adjustments. The framework stays current as your business evolves.
The investment
Includes the initial plan and quarterly reviews — structured as a complete engagement, not a one-time deliverable.
Treasury & Liquidity Planning
$3,500 USD
Engagement fee — includes initial plan and quarterly reviews
What's included
Full structural intake across accounts and entities
Target cash balance framework — minimum, operating, strategic
Sweep arrangement and short-term investment evaluation
Credit facility structure review and recommendations
Documented treasury plan delivered in full
Walkthrough session with your team
Quarterly review cycles to keep the plan current
Adjustments based on business changes and market conditions
For businesses with particularly complex multi-entity structures, we're open to discussing scope and fee arrangements during the initial conversation.
Who this service is built for
Treasury and liquidity planning is most suited to businesses that have reached a level of cash complexity where informal approaches are creating real friction.
Mid-sized companies managing cash across multiple bank accounts or legal entities
Businesses with existing credit facilities that aren't sure they're structured optimally
Companies holding significant cash reserves without a clear framework for how much to hold and where
Finance teams that want a structured plan with built-in review cycles rather than a one-time document
What a typical engagement timeline looks like
Structural intake, analysis, framework development, and initial plan presentation. Your team receives the documented treasury plan and walkthrough.
First quarterly review — plan versus actuals, assessment of any changes in the business, framework adjustments as needed.
Quarterly reviews continue. The treasury structure stays current with your business — not a document that sits in a folder unused.
Our commitment to the engagement
A treasury plan that doesn't reflect the actual structure of your business isn't a plan — it's a template. We commit to building something that works for your specific accounts, entities, and credit arrangements, not a generic framework applied uniformly.
The quarterly review cycle is a genuine commitment, not an add-on. We treat it as a material part of the engagement — because a plan that isn't revisited stops being useful quickly.
We also want the initial conversation to be genuinely useful. If it becomes clear that treasury planning isn't the right starting point — or that a different service would be more valuable first — we'll say so directly.
How to get started
A direct path from first contact to a working treasury framework.
Reach out
Use the contact form to describe your situation — number of accounts or entities, current challenges with cash management, what you're hoping to put in place.
Intake conversation
A more detailed call — usually 45–60 minutes — to understand your full financial structure, confirm scope, and agree on what the engagement will address.
Engagement begins
Structural intake followed by framework development and plan delivery — typically within four weeks. Quarterly reviews then follow on a regular cycle.
Ready to put a structure in place?
Get in touch and we'll start with a conversation about your current cash structure and whether Treasury & Liquidity Planning is the right place to begin.
Get in TouchExplore other services
Some clients find that forecasting or working capital analysis is a useful complement to treasury planning.
From $2,000 USD
Cash Flow Forecasting
Weekly, monthly, and quarterly projections built from your historical patterns — delivered as an interactive model with adjustable assumptions.
Learn MoreFrom $2,800 USD
Working Capital Optimization
Analysis of your AR, AP, and inventory cycles to improve cash availability without taking on new financing. Includes benchmarking and action items.
Learn More