Financely helps growing businesses improve cash conversion, tighten working capital discipline, and reduce avoidable liquidity pressure. This service is aimed at businesses with at least USD 500,000 in annual revenue that want better control over receivables, payables, forecasting, and short-term cash movement.
What This Service Covers
Many businesses report profit on paper and still run with weak cash control. Collections are inconsistent, customer payment terms drift, supplier timing is unmanaged, and management lacks a reliable short-term view of what cash is actually doing. That usually leads to stress at the worst moment: payroll week, tax dates, large vendor payments, or a growth phase that absorbs more working capital than expected.
Our cash flow optimization service is designed to fix that. We review where cash gets trapped, where it leaks unnecessarily, and where timing can be improved without damaging core commercial relationships. The focus is practical. Faster collections, tighter forecast visibility, better payment sequencing, clearer liquidity planning, and stronger internal discipline around working capital.
Receivables Review
We examine invoicing delays, collection habits, customer payment behaviour, overdue balances, concentration issues, and where receivables are slowing cash conversion.
Payables Timing
We assess supplier terms, payment sequencing, avoidable early payments, critical vendor dependencies, and how outgoing cash is being managed month to month.
Cash Forecasting
We help build a cleaner short-term cash view so management can see pinch points earlier and make decisions with more control.
Working Capital Discipline
We identify process issues around billing, approvals, collections follow-up, spend timing, and other operating habits that create unnecessary liquidity pressure.
What We Typically Review
| Area | Review Focus |
|---|---|
| Accounts Receivable | Invoice timing, aged debtors, disputed balances, customer concentration, collection cadence, and payment term discipline. |
| Accounts Payable | Supplier due dates, payment prioritisation, term usage, recurring obligations, and unnecessary cash drag from poor sequencing. |
| Forecasting | Cash visibility over the coming weeks and months, seasonality effects, expected outflows, and management reporting quality. |
| Operating Habits | Approval bottlenecks, billing delays, weak ownership over collections, and process issues that hold cash back. |
Pricing
Annual Package
USD 24,000 / year
Best fit for companies that want continuous support at the lower effective monthly rate.
This annual package covers recurring cash flow optimization support across collections discipline, payment timing, cash forecasting, and working capital review.
Pay Via Bank DetailsMonthly Package
USD 2,250 / month
Month-to-month option for businesses that prefer a rolling engagement.
The core service is priced on a USD 2,000 per month basis under annual commitment. The monthly option carries a higher rate to reflect the shorter billing cycle and reduced commitment.
Pay Via Bank DetailsHow The Process Works
We start by reviewing the revenue profile, receivables cycle, current payables behaviour, major cash outflows, and how management currently tracks liquidity. From there, we identify the main pressure points and build a tighter operating framework around cash movement. That may include improved collections cadence, cleaner payment sequencing, better weekly cash visibility, tighter customer term discipline, and clearer internal ownership for the key cash processes.
The point is not to produce a decorative report. The point is to improve how cash actually moves through the business.
Who This Fits
This service fits companies that are growing, profitable but cash-tight, dealing with slow collections, managing uneven payment cycles, or entering a phase where liquidity discipline matters more than broad strategy talk. It is especially relevant for management teams that know money is coming in, but not landing fast enough or predictably enough.
Frequently Asked Questions
Is this only for distressed businesses?
No. This service is often most useful before the company reaches a stressed position. It is about tightening control, not just reacting to problems.
Do you need direct access to our bank accounts?
No. The service is based on financial information, reporting inputs, operating data, and management coordination. Access requirements depend on scope and the tools already used by the business.
Can this help if our issue is mainly collections?
Yes. Weak collections is one of the most common causes of cash strain, and it is usually one of the first areas reviewed.
Why is the monthly package priced higher than the annual package?
The annual package reflects commitment pricing. The monthly option is intentionally higher because it offers more flexibility and less term certainty.
Financely provides cash flow optimization support on a best-efforts basis. Scope depends on the company’s revenue profile, reporting quality, operational responsiveness, and willingness to apply the recommended changes. This service supports working capital discipline and liquidity management. It is not a guarantee of funding, profitability, or cash generation.