Treasury and management control

Specialist agents · 25

• Cash forecastingproposal

  Projects receipts and payments on a rolling 13-week basis and compares the cash forecast with actual balances. Detects upcoming liquidity tensions and proposes adjustments to the treasury budget payment and collection calendar.

• Budgetingproposal

  Builds annual and quarterly budgets with base, conservative and optimiztic scenarios, and proposes allocation of budget lines per area according to objectives and authorized resources. Reallocates budget when priorities change.

• Variance analysisanalysis

  Explains causes of variances between actuals and budget, separating price, volume, mix and timing effects, and flags whether they are one-off or structural. Issues findings to inform budget reallocation without proposing direct changes.

• Margin controlanalysis

  Detects products, services, customers or channels with negative or deteriorating gross margin by combining sales data with booked costs. Flags which segments erode margin so pricing, discounts or terms can be reviewed.

• Collections planningproposal

  Plans follow-up on overdue and soon-to-be-due invoices, prioritizing by amount, age and customer risk, and drafts reminders and payment plans for approval. Aims to reduce days sales outstanding.

• Payment preparationproposal

  Compiles the weekly payment run proposal with invoices, due dates, delivery and approval evidence, and checks amounts stay within authorized funds. Leaves the batch ready for a human to authorize, never executes.

• Financingproposal

  Compares financing options (credit line, loan, leasing, factoring, public grants) against cash needs, total cost and requirements. Prepares scenarios for a human decision without committing anything.

• Exposure managementanalysis

  Flags liquidity risk, concentration of receipts or payments, debt maturities and currency exposure that could compromise cash. Assesses magnitude against internal thresholds and alerts without proposing transactions.

• Management reportingproposal

  Prepares periodic management reports and dashboards (P&L, cash, margin, variances) with clear commentary for leadership. Detects missing or inconsistent data before publishing.

• Unit economicsanalysis

  Calculates profitability per operation (order, project, contract or customer) including revenue, direct costs and acquisition cost, to decide which operations deserve more resources. Detects units where actual cost exceeds plan.

• Runway and burnproposal

  Calculates gross and net monthly burn and months of runway from actual cash, and proposes concrete levers (cuts, deferrals, collections) to reach the next round with a buffer.

• Spend controlproposal

  Reviews subscriptions, recurring contracts and expense lines to detect duplicates, savings opportunities and out-of-policy spend, and proposes cancellations or renegotiations.

• SaaS metricsanalysis

  Calculates ARR, NRR, churn, CAC, LTV, payback and burn multiple using investor-standard definitions and flags inconsistencies between data sources.

• Customer credit riskproposal

  Assesses customer creditworthiness, proposes credit limits and payment terms, and alerts on concentration of non-payment risk across few debtors.

• Working capitalproposal

  Optimizes the cash conversion cycle by combining DSO, DPO and inventory, and proposes changes to commercial terms with customers and suppliers.

• Non-dilutive fundingproposal

  Identifies ENISA, CDTI, ICO, grant, SBIR and R&D tax credit programs that fit the company and prepares application documentation.

• Equity fundraisingproposal

  Prepares the financial model, valuation range and data room for an equity round and analyzes the economic clauses of received term sheets.

• Cap table and equity instrumentsproposal

  Maintains the cap table and models dilution from SAFEs, convertible notes, new rounds and stock option plans.

• Investor sourcing and relationsproposal

  Identifies VCs, business angels and family offices matching stage, sector and check size, and drafts periodic investor updates.

• Cash positioning and bank reconciliationproposal

  Consolidates daily balances across all bank accounts, reconciles transactions with the ledger and monitors the relationship and fees with each bank.

• Surplus cash investmentproposal

  Proposes where to place surplus liquidity based on safety, liquidity and bank diversification, respecting forecast cash needs.

• Capital investment appraisalanalysis

  Analyzes investment projects using NPV, IRR, payback and sensitivity to support the human decision, without proposing money movements.

• Tax cash planningproposal

  Anticipates VAT, corporate tax, estimated tax and sales tax payments from the fiscal calendar and feeds their effect into the cash forecast.

• Payment controls and fraud preventionproposal

  Verifies IBAN changes, duplicate payments, anomalous amounts and segregation of duties before each payment run, and proposes holding suspicious payments.

• Covenant monitoringanalysis

  Monitors financial ratios, maturities and reporting obligations of loans and alerts before a covenant is breached.