Liquidity Management

Profit matters, but liquidity decides survival. Many fundamentally sound companies get into trouble simply because cash is not there when needed – due to late customer payments, rising inventory, large investments or unexpected costs. Stuart-Houghton Associates helps you gain full visibility of your cash position, secure short-term liquidity and build a stable financial foundation.

Transparency first

Annual accounts and monthly reports show profitability, not cash flow. At the heart of our work is a rolling liquidity forecast – weekly for the short term, monthly beyond – that shows expected payments, highlights shortfalls in advance and gives management time to act.

Our services

• Liquidity planning and forecasting tailored to your business.
• Working capital optimisation – less capital tied up in receivables and inventory.
• Receivables management – better invoicing, terms and collection.
• Payables management – appropriate supplier terms without damaging relationships.
• Cost and investment review – spending to reduce, postpone or restructure.
• Financing options – credit lines, factoring, leasing or investor funding.

Quick wins and lasting improvements

In tight situations we start with measures that release cash fast: accelerating collections, cutting non-essential spend and freeing surplus stock. In parallel, we put processes and controls in place so shortages do not return. Growing companies benefit too – a reliable forecast lets you invest in new products or markets responsibly.

Banks and investors expect credible figures, so we help you prepare clear liquidity reports and dashboards that build trust. Because liquidity is closely linked to crisis management, insolvency prevention and creditor negotiations, Stuart-Houghton Associates provides coordinated support across all of them.