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Your business is strong, focused, and mission-driven right? Many of you operate without a clear treasury function in place though. Treasury is not a big-company luxury. It is the financial heartbeat of a business. It protects cash, supports growth, and helps owners avoid costly surprises.
Treasury management simply means this and you need to focus on it.
Knowing where your cash is. Knowing where it is going. And knowing how to protect it.
When you take control of those three areas, everything else in the business gets stronger.
Here are the core parts of treasury management that matter most to small/medium and veteran-owned businesses.
1. Cash Concentration and Visibility
You should always know today’s cash position and what it will look like tomorrow, next week, and next month. Spreading money across accounts creates blind spots. Cash must be easy to see and easy to track. Visibility creates confidence.
2. Liquidity Planning
Cash shortages do not happen suddenly. They build slowly. Forecasting gives you time to adjust, delay expenses, accelerate collections, and protect operations. A 13-week cash forecast is one of the most powerful planning tools a veteran-owned business can have.
3. AR and AP Coordination
Receivables and payables are not separate tasks. They must be synchronized. You cannot be demanding payment from customers while sending cash out the door without a plan. Treasury ensures inflows and outflows work together to maintain stability.
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4. Fraud Prevention and Controls
Treasury protects your bank accounts and payment systems. Dual approvals, separation of duties, vendor verification, and strong banking relationships keep money from disappearing. Fraud is real. Prevention is a necessity.
5. Banking Strategy and Support
Veteran-owned companies should have a banker who knows their goals. Better terms, lower fees, and faster support are earned over time. Treasury builds that relationship so banking becomes a strategic advantage, not a transaction.
When you run treasury with intention, you unlock better decision making, stronger cash flow, and long-term stability. Veterans understand discipline and planning. Treasury is simply putting that discipline into your financial operations.
If you want help building a simple treasury structure for your business in 2026, reply to this email. You should not feel like cash is unpredictable. You should control it.
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