Where treasury quietly costs your business

Your ERP shows CHF 800k available — but CHF 600k is already committed to supplier payments due next week. You find out on Thursday afternoon, after your treasury window has closed.

You've never missed a payment, so cash feels fine. But if your largest customer delayed payment by 30 days, you couldn't tell us how many days of operational runway you actually have.

You invoice clients in EUR but pay suppliers in CHF. When EUR weakens 3%, your gross margin on that contract drops by half — and there's no hedge in place, no policy, no plan.

You have no formal FX policy. The finance team handles each transaction differently depending on who's available that day and what rate feels acceptable in the moment.

You've been with the same bank for eight years and never benchmarked their fees. Transaction costs, FX spreads, account maintenance — you accept what's on the invoice. You're probably overpaying on every line.

You have four accounts across three banks with no clear logic to the structure. Nobody remembers why the third bank was added. Cash sits fragmented, visibility is poor, and idle balances earn nothing.

There is no treasury policy document. Decisions about payment approvals, FX transactions, and bank account access are made based on habit and institutional memory — not documented rules.

A payment of CHF 150k went out last quarter approved by one person on a mobile device, no second sign-off, no dual control. It was legitimate — this time. But the control gap remains.

Your revolving credit facility costs 3.8% and hasn't been renegotiated since 2021. The rate environment has shifted. Your business has grown. Your credit profile is stronger — but your terms haven't moved.

You don't have a covenant monitoring dashboard. You track revenue and EBITDA — but not the specific ratios your lender monitors. You find out you're close to a breach when the bank calls you.

Vendor bank details get updated by email, no callback, no verification protocol. The finance team is busy, the request looks legitimate, and the payment goes out. That's the exact pattern behind most B2B payment fraud.

Your payment runs are manual, time-consuming, and dependent on one person who handles the full process end to end. That person just handed in their notice. The knowledge walks out with them.