Create an annual plan
Compile forecast incomings and expenditure and determine any fluctuations. You can then identify at an early stage when you might meet liquidity bottlenecks or find yourself with surplus funds.
Liquidity planning
Stay liquid at all times
Efficient cash management ensures that sufficient liquidity is available when you need it. Key to this is professional liquidity planning, control over accounts payable and optimized accounts receivable management.
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Manage surplus funds and bottlenecks
Take advantage of flexible investment options or a financing product to optimally manage surplus funds and bottlenecks.
Keep an overview
Manage your account electronically with The link will open in a new window e-finance and keep your finances under control with the The link will open in a new window PostFinance App, any time and anywhere.
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Check invoices
Have the services already been provided? Are only the agreed services listed? Are the payment methods and conditions correct?
Schedule invoices
Do not pay invoices too late or too soon in order to maintain a good reputation with suppliers, creditors, business partners and creditworthiness assessors. Make sure that cash discounts are worthwhile.
Track invoices
Keep an eye on unpaid invoices.
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Check creditworthiness
Check your customer’s ability to pay and authority to sign based on information obtained from the commercial register and from specialized information centers.
Rethink payment conditions
You could shorten the payment deadline and speed up invoice settlement with a cash discount. Ask for an advance from bad debtors and for large orders.
Invoice immediately
The quicker you issue your invoice, the quicker it will be paid.
Track invoices
Track outstanding and received invoices.
Issue reminders early
Issue reminders early, initiate collection proceedings after the third registered reminder and do not accept any further orders on credit.
Take out insurance
Protect yourself against payment defaults with accounts receivable contingency insurance.