In a world full of uncertainties, supply bottlenecks and economic volatility, one thing has become vital for companies: Liquidity. It is not just a financial indicator, but the decisive factor in whether a company remains solvent – or gets into a dangerous predicament. This is because there is often a dangerous gap between turnover and liquidity.

Liquidity management – more than just a financial tool

Active liquidity management is essential today. The aim is to ensure solvency at all times – regardless of market distortions or seasonal fluctuations. This includes keeping an eye on both income and expenditure and recognizing bottlenecks at an early stage. Portolan offers comprehensive tools for this.

The tools for stable liquidity

Portolan combines various functions in one integrated system:

• CLM – Cash & Liquiditymanagement: Automated comparison of incoming and outgoing payments with due dates, orders, purchase orders and planned payments – including credit line preview. 

• Receivables management: Turnover is just the beginning – real liquidity only arises when payment is received. Structured dunning processes and analysis of payment behaviour can minimize defaults and accelerate incoming payments.

• Trade credit insurance: Protection against payment defaults by securing outstanding receivables – especially for major customers. It strengthens financial stability and makes the company more attractive to banks and investors.

Your own payment behavior – an underestimated lever

Credit-side payment behavior also has a direct influence on liquidity. Three scenarios at a glance:

• Early payment with discount: Brings a “return” of over 30% p.a., but ties up liquidity.

• Payment on the due date: Optimal balance with tight cash flow, without dunning costs.

• Late payment: Short-term advantage, but risky in the long term due to reminders and loss of image.

Therefore, only with a clear overview of your own liquidity situation can you make the right decision – depending on the situation.

Digitization as the key: automating invoice processes

With solutions such as the Jobrouter, processes relating to incoming invoice processing can be significantly accelerated: From invoice receipt to checking and approval, everything is digital, traceable and efficient. In this way, discount periods are optimally utilized and late payments are avoided.

Early warning system for emergencies

Thanks to real-time data, integrated evaluations and dashboards, the Portolan system offers a transparent view of company liquidity – at all times. This is not only an advantage for day-to-day business, but also in negotiations with banks, investors or when making crisis decisions.

Conclusion:
Liquidity is not a product of chance – it is the result of forward-looking planning, intelligent processes and modern tools. If you keep control of your liquidity, you keep control of your company.