What is treasury management? How businesses manage their cash
By SendPay Business · · 2 min read
Treasury management is how a business looks after its cash: making sure it has enough money in the right place and currency to pay its bills, while keeping risks such as exchange rate swings under control.
What treasury covers
It usually covers cash flow forecasting, deciding which accounts hold how much, handling different currencies, managing borrowing and spare cash, and controlling who can move money.
Cash flow forecasting
- List the money you expect to come in each week or month.
- List the bills, wages and other payments going out.
- Spot the weeks where more goes out than comes in.
- Plan ahead for those gaps, for example by chasing invoices earlier.
Managing currency risk
A business that is paid in one currency and pays suppliers in another is exposed to exchange rate changes. Holding balances in the currencies you spend, and converting at planned times, can reduce surprises.
Where SendPay fits
SendPay platforms give your customers GBP, EUR and USD accounts, currency exchange, invoicing and payment links under your own brand, powered by licensed partners. SendPay does not offer forwards or other hedging contracts. SendPay tells you in writing which licences apply to your platform before you pay.
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This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.