Cashflow Planning and Liquidity Management: Avoid Costly Mistakes

Liquidity determines the future of your business, especially in times of growth, uncertainty or seasonal fluctuations.
If you do not have a clear overview of incoming and outgoing payments, things can quickly become critical.

In this article, together with Tidely, the software for smart liquidity planning, and Banxware, the provider of fast digital financing, we show you how to avoid common cashflow mistakes and stay ready to act when it matters most.

The Five Most Common Cashflow Mistakes in Businesses

1. Lack of structured planning

Many small and medium-sized businesses rely on spreadsheets or gut feeling.
These methods are static, imprecise and do not provide a real-time overview. Liquidity gaps often go unnoticed until it is too late.

Tidely connects your bank accounts, accounting and ERP systems.
This gives you an automated liquidity overview with an early warning function.

2. Overestimating income, underestimating expenses

Unrealistic sales forecasts and forgotten incidental costs lead to dangerous illusions.
Variable costs in particular are often underestimated and suddenly there is not enough money left for ongoing expenses.

Tidely uses historical data and machine learning to create realistic forecasts, providing a solid foundation for better decisions.

3. Ignoring payment delays

A classic mistake is that invoices are issued but the money has not yet arrived in the account.
Payment delays can lead to liquidity gaps even when business is going well.

Tidely analyzes payment terms and customer behavior and warns you in time before shortfalls occur.

4. Confusing profit with liquidity

A positive annual result does not automatically mean that you are liquid.
Profits can be tied up in inventory or outstanding receivables.

Tidely shows you which funds are actually available, enabling realistic liquidity planning and short-term financial control.

5. Poor timing of investments and financing

Many companies invest or seek financing too late.
If you only react when liquidity is already tight, it becomes expensive.

Tidely identifies capital requirements early on.
Banxware then provides the right financing quickly, digitally and flexibly, exactly when you need it.

How Tidely and Banxware Secure Liquidity Together

A growing retail company uses Tidely for cashflow forecasting.
Scenario analysis reveals an upcoming liquidity gap caused by seasonal fluctuations.

The company then applies for short-term financing through Banxware.
Funds are paid out digitally and without bureaucracy, usually within 24 hours.

This keeps the company liquid and enables it to secure the holiday season successfully, without external risks or missed opportunities.

“Companies that regularly analyze their cashflow not only have better visibility, they also make better decisions. Planning and financing go hand in hand.”
– Niclas Storz, Founder and CEO, Tidely GmbH

Benefits of Active Cashflow Planning and Liquidity Management

✓ Detect liquidity gaps early
✓ Gain more planning security for investments
✓ Strengthen your position with banks and investors
✓ Avoid unnecessary financing costs
✓ Improve risk management in volatile markets

Conclusion

Without proper cashflow planning, you lack the foundation for sound business decisions.
Tidely provides transparency and forecasts.
Banxware delivers the capital when you need it.

Together they help you secure liquidity, flexibility and sustainable growth.

Start your cashflow planning with Tidely

Check your financing options with Banxware

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