🇪🇸 Gestión de tesorería: guía completa

Summary

Núria from Agicap discusses the critical role of treasury management in preventing business failures, often due to cash flow issues. She outlines the importance of forecasting, cash flow control, and maintaining good customer relationships to ensure financial health. The video highlights the benefits of using treasury management software like Agicap for daily cash tracking and offers a free demo to interested businesses.

Takeaways

• 😨 One in four Spanish business projects fail before their fifth year, with over 40% of these due to lack of foresight and liquidity issues.
• 🔍 Cash flow management is crucial for businesses of all sizes and industries, as it helps to avoid financial surprises and ensures operational continuity.
• 💼 Good treasury management involves making informed economic decisions and maintaining sufficient solvency to cover business activities and expenses.
• 💰 Companies need to manage their cash flow to ensure they have enough funds to meet operational costs such as supplier payments, payroll, financial debts, and taxes.
• 📈 Regularly controlling financial forecasts can provide greater visibility into current and future financial calculations, helping to anticipate and act on potential cash flow issues.
• 🏦 Effective cash flow management can save money by avoiding additional costs associated with negative cash flow, such as bank fees or administrative charges.
• 📊 A well-managed cash position can also lead to increased profitability through various investment options offered by banks, tailored to the company's goals.
• 📋 Creating a treasury budget that aligns expected cash inflows and outflows over time is essential for foreseeing and preparing for potential financial challenges.
• 🔄 Regular updates to the treasury budget are necessary to reflect the current financial state and adapt to changing circumstances.
• 💡 Agicap software is designed to address common treasury management challenges, offering online tools for CFOs and financial teams to streamline cash flow tracking and forecasting.

Q & A

What is the main focus of the Agicap software?

Agicap is a treasury management software designed to help businesses of all types optimize their cash flow management and forecasting.

According to the Iberinform study mentioned, what is the primary cause of business failures within the first five years?

The primary cause of business failures within the first five years, as per the Iberinform study, is a lack of forecasting, with more than 40% of the cases being due to this reason.

Why is cash flow management crucial for businesses?

Cash flow management is crucial because it includes all the decisions a company must make to maintain sufficient solvency, allowing businesses to see what is economically viable and make appropriate future decisions to avoid liquidity issues.

What are the three main reasons for managing cash flow effectively?

The three main reasons for managing cash flow effectively are: 1) to ensure the company has the necessary funds to conduct its business activities and meet its financial obligations, 2) to help save money and identify when financing is needed, and 3) to improve profitability by investing excess cash wisely.

How often should a treasury management table be updated to be effective?

A treasury management table should be updated regularly, ideally on a weekly basis, to ensure it reflects the most current financial data and allows for timely decision-making.

What is the importance of maintaining a good relationship with customers in treasury management?

Maintaining a good relationship with customers is important as it can reduce the likelihood of payment delays. However, it's also crucial to manage these relationships without compromising on payment terms to avoid financial strain.

What is the significance of inventory management in relation to treasury management?

Inventory management is significant in treasury management as it helps find a balance between carrying too little or too much inventory, which can impact the need for future financing and the overall liquidity of the business.

Why is it beneficial to negotiate with banks when the company is doing well financially?

Negotiating with banks when the company is financially stable can lead to better terms and access to overdraft facilities. This preparation can be crucial in avoiding liquidity issues and securing financial support in times of need.

What challenges does Agicap software aim to solve for financial teams?

Agicap aims to solve challenges such as long hours spent updating budgets, lack of visibility across a single platform, managing multiple bank accounts, pending collections, upcoming maturities, investments, and the need for scalable processes and simplified financial insights.

How is Agicap software designed to cater to different business needs?

Agicap is designed to be fully customizable to the needs of each company, regardless of industry or size, recognizing that each business has unique objectives, processes, and teams.

What does Agicap offer to demonstrate its software capabilities?

Agicap offers a free demonstration where they will show how to build reliable forecasts, avoid errors, and view real-time account balances, tailored to the needs of the business.