Finance & Banking

Business Problems Solved

Financial margins are frequently eroded by non-optimized bank relationships and poor cash visibility. Critical issues include:

• Treasury squeezes: Unexpected cash dry-ups caused by inadequate forecasting and late collections.
• Hidden bank fees: Inaccurate calculation of bank commission charges, interest rates, and transfer fees.
• High debt cost: Non-renegotiated bank covenants, high interest margins, and expensive overdraft setups.
• Funding barriers: Inability to compile premium investment business plans that satisfy regional development banks.

What SB Consulting Provides

Our corporate finance advisors evaluate your banking terms and establish robust liquidity safeguards:

• Cash Flow Optimization: Building custom, predictive daily and monthly treasury forecast dashboards.
• Bank Debit Auditing: An exhaustive retrospective check of interest notes and commissions billed by your banks.
• Reduction of Financial Charges: Negotiating banking conditions, commission ceilings, and trade financing rates.
• Business Plans: Formulating detailed financial models and bankable business plans for new ventures.
• Investment Project Support: Structuring debt covenants and presentation files for development institutions.

Typical Deliverables

Expected Impact

Partnering with SB Consulting for your treasury and financing operations yields:

• Direct Cost Recovery: Identification and reimbursement of bank overbilling errors.
• Lower Cost of Debt: Significant reductions in interest expense and transaction commission rates.
• Treasury Security: Transparent, forward-looking cash forecasting that eliminates cash flow surprises.