Want a simple treasury system?

As a follow up to yesterday’s discussion on treasury and why this needs to be on your radar going into 2026 (if not already)…let’s break it down more for you!

Most business owners were never trained in treasury management and honestly most of you don’t have time to deal with this type of work, so that’s where we can help. It sounds complicated, but it does not have to be. A good treasury process is simply a routine that controls cash, banking, payments, and short-term financial decisions.

Here is a simple treasury system you can set up in any small business.

1. Create a daily cash report
Start with a short spreadsheet or dashboard that shows:

• Bank balances

• Incoming payments

• Outgoing payments

• Available cash after obligations

• Credit line availability

This report tells you exactly where you stand every day. No guessing and no surprises or waiting to get a bank statement to see “how you did”

2. Track receivables daily
List invoices sent, payments received, and customers who need follow up. If customers are past due, assign someone to reach out and confirm payment timing. Cash belongs in the bank, not sitting unpaid on an invoice.

3. Manage payables on a schedule
Do not pay vendors randomly. Create a weekly or bi-weekly payment schedule. Line it up with your incoming cash so you protect liquidity while still being a reliable partner. Find ways to extend your terms with vendors where possible as this can be an advantage going into the new year for you.

4. Reconcile accounts often
Treasury relies on accurate numbers. Reconcile bank and credit card activity throughout the month. When records are current, you always know the truth and it gives you confidence in positioning.

5. Review short-term cash forecasts
A simple 13 week cash forecast shows what money will come in, what money needs to go out, and where tight weeks may occur. If you see a problem ahead, you can fix it early. Update this proactively, normally rolling it each week.

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6. Build relationships with your bank
If you ever need capital, equipment financing, or a line increase, the bank will want to see financial discipline. Treasury creates that discipline and builds trust. When’s the last time you spoke to your banker? Have you ever?

7. Assign responsibility
Someone has to own treasury. It can be the owner, a bookkeeper, or a finance manager, but it cannot be nobody. When everyone assumes “someone else is watching cash,” it gets ignored. This goes for anything in your business. Assign a level of ownership.

A treasury system brings control and it turns cash management into a routine instead of a crisis. It gives veteran business owners confidence, structure, and the ability to make decisions based on facts, not stress.

If you want help setting up a treasury process, daily cash report, or forecast built for your business, reply to this email and I will help you get started.

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