Treasury

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Treasury Management

Optimize your company’s cash management with Every’s treasury tools.

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Cash Management

Maximize the value of your company’s cash:

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Treasury Dashboard

Comprehensive view of your treasury:

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High-Yield Accounts

Earn more on your cash balances:

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Account Types

Different accounts for different needs:

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Sweep Accounts

Automatically optimize cash: How Sweeps Work:

1. Set target balance for operating account
2. Excess cash automatically sweeps to high-yield account
3. Cash returns when operating account drops below target
4. Happens daily, automatically

Benefits:

• Maximize interest earnings
• Maintain liquidity
• No manual transfers needed
• Optimize every dollar

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Cash Forecasting

Predict future cash positions:

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Liquidity Management

Ensure you have cash when you need it: Liquidity Ratios:

• Current Ratio - Current assets / current liabilities
• Quick Ratio - (Current assets - inventory) / current liabilities
• Cash Ratio - Cash / current liabilities

Target Benchmarks:

• Maintain 3-6 months operating expenses in liquid accounts
• Keep 30 days expenses in checking
• Invest excess in high-yield accounts

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Investment Options

Safe, short-term investment vehicles: Treasury Securities:

• T-Bills - 4 week to 52 week maturities
• T-Notes - 2 to 10 year maturities
• Backed by U.S. government
• Highly liquid
• Competitive yields

Money Market Funds:

• Professional management
• Diversified holdings
• Daily liquidity
• Stable $1 NAV target
• Low risk

Commercial Paper:

• Short-term corporate debt
• 1 to 270 day maturities
• Higher yields than treasuries
• More risk than government securities

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Debt Management

Manage business debt effectively: Outstanding Debt:

• View all loans and credit lines
• Track payment schedules
• Monitor interest costs
• Calculate debt ratios
• Plan payoff strategies

Refinancing Opportunities:

• Monitor interest rate environment
• Compare current rates to market
• Calculate refinancing savings
• Evaluate prepayment penalties

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Working Capital Management

Optimize your working capital cycle: Components:

1. Accounts Receivable - Money customers owe you
2. Inventory - Products or materials on hand
3. Accounts Payable - Money you owe vendors

Optimization Strategies:

• Accelerate receivables collection
• Extend payables (strategically)
• Minimize inventory holding
• Negotiate better payment terms

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Banking Relationships

Manage relationships with financial institutions:

• Track all banking partners
• Monitor account terms and fees
• Compare service offerings
• Negotiate better rates
• Consolidate where beneficial
• Diversify for risk management

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Foreign Exchange

Manage currency exposure: FX Services:

• Multi-currency accounts
• Spot FX trades
• Forward contracts
• Currency hedging
• Real-time exchange rates

Use Cases:

• International payments
• Foreign receivables
• Currency risk hedging
• Global expansion

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Treasury Policies

Establish treasury management policies:

• Investment Policy - Allowed investment types and limits
• Counterparty Policy - Approved financial institutions
• Liquidity Policy - Minimum cash requirements
• Risk Management - Risk tolerance and limits
• Authorization Policy - Approval requirements

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Compliance and Controls

Maintain strong treasury controls:

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Treasury Reports

Generate comprehensive treasury reports:

• Cash Position Report - Current cash by account
• Cash Flow Report - Inflows and outflows analysis
• Yield Report - Interest earnings and APY
• Liquidity Report - Available cash and reserves
• Investment Portfolio - Holdings and performance
• Debt Service Schedule - Upcoming debt payments

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Risk Management

Identify and manage treasury risks: Types of Risk:

• Credit Risk - Counterparty default risk
• Liquidity Risk - Inability to meet obligations
• Interest Rate Risk - Rate fluctuations impact
• Currency Risk - FX exposure
• Operational Risk - Process failures

Mitigation Strategies:

• Diversify counterparties
• Maintain liquidity buffers
• Use rate hedging instruments
• Natural hedging for FX
• Strong internal controls

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Automation

Automate treasury operations:

• Automated cash sweeps
• Scheduled transfers
• Auto-invest excess cash
• Rebalancing rules
• Alert thresholds
• Report generation

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Treasury Best Practices

Optimize your treasury function:

1. Daily Cash Management - Review position daily
2. Regular Forecasting - Update forecasts weekly
3. Yield Optimization - Don’t let cash sit idle
4. Relationship Management - Build strong bank relationships
5. Policy Adherence - Follow treasury policies
6. Continuous Improvement - Regularly review and optimize

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Getting Treasury Support

Access treasury expertise:

• Dedicated treasury advisor
• Cash management consultation
• Investment strategy guidance
• Policy development support
• Market insights and updates
• Best practice recommendations