Working Capital Management – Keep Business Wheels Turning
Cash flow is the lifeblood of a business. You can make a profit on paper, but if your account is empty when bills are due, the business stops. Customer payment terms, seasons, and inventory tie up capital that should be available to you.
Profitability is theory, cash flow is reality. Trusty is your AI CFO that monitors your working capital turnover. We don't just patch the gap, we optimize the entire chain. We ensure you have a buffer when you need it, and minimal costs when there's money in the bank.
Three reasons why cash struggles (even when sales are strong)
Often a cash crisis hits just at the threshold of growth or when the season changes.
1. Extended payment terms
A big customer announces: "Our payment terms are now 60 days". However, you have to pay subcontractors and taxes in 14 days. This 45-day gap must be financed yourself.
2. Seasonal variations
An ice cream factory makes its money in summer, but costs run in winter too. Or a construction company buys materials in spring but invoices only in autumn. Cash must last through the quiet months.
3. Surprises and "Force Majeure"
An important machine breaks down, a key customer cancels an order, or raw material prices spike. Without a buffer, a small setback can lead to payment default.
Trusty's tools for cash flow optimization
We build you a financing buffer that flexes according to need.
1. Factoring (Invoices to cash)
When a customer demands long payment terms, don't act as a bank.
Solution: Sell invoices to a lender immediately after dispatch.
Effect: Get 80–90% of the invoice amount to your account in 24–48 hours. Eliminates payment term risk and immediately improves cash turnover.
2. Business Credit Line (Flexible buffer)
Like a corporate credit card, but with larger amounts.
Solution: Continuous credit line (e.g., €10,000 – €150,000), from which you draw money only as needed.
Effect: You pay interest only on the drawn amount. Perfect solution for balancing seasons or short-term purchase financing.
3. Short-term lump sum loan (For unexpected expenses)
When an unexpected expense comes up that can't wait.
Solution: Quick lump sum loan without collateral.
Effect: Money to your account quickly for machine repair or urgent inventory replenishment.
AI sees the future of cash flow
Traditional accounting looks backward, Trusty looks forward.
- Cash sufficiency: How long will current cash last with the current cost structure?
- Seasonal variations: Can your company prepare for the upcoming quiet season?
- Inventory turnover: Is money sitting on the shelf too long?