During the month of January, three+one is publishing a five-week Winter Blog Series to discuss the five different categories of our cashVest® score. Every three+one liquidity analysis includes a cashVest score to establish a baseline going forward. It has been demonstrated, time and again, that if an entity follows our recommendations in each of the five categories, and a higher cashVest score is achieved, the more money an entity will earn on their low- and non-performing cash.

This week will highlight our fourth category:

Cash Flow Optimization:

Before an entity can best manage its operating and non-operating cash, it must first streamline the flow of cash into and out of the organization. With the levels of technology throughout the U.S. banking system, you should be able to review and quantify the movement of your cash flow, no matter how swiftly it moves.

You should be monitoring excess balances in all of your accounts and be checking the market for every income generating opportunity. We perform ongoing in-depth analyses of our clients’ accounts on a transactional level. The result is we help uncover short- and long-term gaps in an entity’s budget and cash flow and match it to opportunities in the marketplace.

The rapid flow and ease of cash movement is essential for you to optimize your cash flow for investment. But before you can put your operating cash to work, you need to have it come into the bank.

Achieving a five-star rating in the Cash Flow Optimization category requires (a) having strong banking relationships; (b) adopting technology and practices that create efficient and streamlined cash-flow practices; and (c) avoiding “lost opportunities” in managing operating cash.

At three+one, we can provide specific recommendations—through detailed analyses—on treasury and merchant services that enable a public entity or Higher Ed institution to adopt processes that optimize its cash flow, save money, and increase income.

if you’d like a copy… click here!