Cash-flow planning for SMEs – stay on top of liquidity, even without a controller

Large companies have a controlling team that always knows where liquidity stands. Most SMEs don’t – yet they’re driven by the same questions: Will the cash last the next few weeks? Can we afford the investment? What happens if a big client pays late?

The typical gap

SMEs usually keep their books clean – but the forward-looking view is missing. The balance sheet shows where you stand; it doesn’t tell you how your account will develop over the coming weeks. That’s the gap a controlling function otherwise fills. Without one, it often comes down to gut feeling – until things get tight.

Cash-flow statement: where the money came from and where it went

The first step is clarity about the past. You ask Arcarius in One-on-One for a cash-flow statement for a given period. It’s created straight from your accounting – structured, with the key flows from operations, investing, and financing, and exportable as Excel or PDF if you like. No manual gathering, no piecing together in Excel.

Cash-flow planning: looking ahead

Even more valuable is the projection. Have Arcarius create a rolling cash-flow forecast for the coming weeks – including an explanation of the model, so you understand what the numbers are based on. On that basis you can play through scenarios: What if the big invoice comes in 30 days later? What if the investment happens now instead of in autumn? This is exactly what SMEs often use Arcarius for – liquidity planning, investment decisions, and sensitivity analyses.

Controlling-grade insight without a controlling team

The point isn’t the single analysis, but the view you gain: the forward-looking perspective that would otherwise require a dedicated role – on demand, from your real accounting, usage-based and already for a few credits. You ask, Arcarius delivers the basis. Reviewing, adjusting, and deciding stays with you – with a much clearer picture than before.

Read more: Use Cases · How One-on-One works