Magazine

Working capital management that moves you forward

Discover in-depth analyses, interviews, and current trends in working capital financing and supply chain management.

17. March 2026

Iran Conflict Impacts Corporate Finances

The escalation in the Middle East and the blockade of the Strait of Hormuz are driving up oil and gas prices worldwide. High energy prices are not only a problem at the macroeconomic level, but are quickly becoming a very real existential threat to companies. Thomas Krings, Managing Partner at the payment institution cflox, explains why rising energy costs are putting pressure on companies’ liquidity and margins—and how they can prepare themselves financially now.

11. March 2026

Smart Working Capital Management: Leveraging Early Payments and Discounts for Retail Advantage

The food retail industry is under constant pressure. In this environment, working capital determines stability, resilience, and investment capacity.

04. March 2026

UK Payment Practices: Proposed Changes and Implications for the Supply Chain Finance (SCF) Landscape

As the UK moves towards tighter enforcement and greater transparency on payment practices, the new payment practices are not just a compliance issue. They have direct implications for working capital strategy, treasury governance, and how corporates manage supplier relationships.

23. February 2026

Cash Conversation Cycle Under Control: Working Capital as a Competitive Advantage for Food and Beverage Manufacturers

Rising costs, seasonal sales peaks, and long payment terms make liquidity management a strategic challenge for food manufacturers. Learn how targeted working capital management can turn these tensions into a competitive advantage.

17. February 2026

The Price of Inflexibility: Why Treasury Must Change Course Now

Volatile markets put treasury teams to the test every day—is your liquidity planning truly future-proof? In our article, you will learn how forward-looking strategies not only mitigate risks but also open up new opportunities for investment and growth.

05. February 2026

On-Demand Liquidity: Why CFOs and Treasurers in Food Production Must Reevaluate Payment Terms

Working capital in the food and beverage industry arises long before the product hits the shelves—where seasonality, price volatility, and liquidity constraints determine stability and returns.
The problem: high pre-financing with low predictability. What is needed is a working capital strategy that anticipates volatility, actively manages liquidity, and strengthens operational resilience.

16. December 2025

Full Shelves, Empty Cash? How Longer Payment Terms Help Resolve Inventory Management Challenges

The warehouses are full. What is necessary for sales significantly burdens working capital. Those who finance their inventories purely through traditional bank lines today are giving away strategic leeway. How can this dilemma be solved, and what alternative financing options are available?

13. November 2025

Challenge for Treasury: Cash Flow Optimization in medmix's Year-End Closing

For treasury managers, the annual financial statements mean juggling a wide variety of stakeholders and demands. Cash flow is a particularly important lever in the management of key performance indicators. Ralf Kesten, Executive Director Head of Multinationals & Partner Management at cflox, uses the example of the cflox client medmix to explain how more flexible payment terms allow for greater leeway both internally and externally.

06. February 2026

Treasury Guide 2026: Freeing Up Liquidity, Optimizing Working Capital

Treasurers will face three key challenges in 2026. This report outlines the principles of modern solutions that go beyond traditional financing instruments and shows how companies can turn their working capital into a real strategic advantage.

01. September 2025

Strategic Management for the Year-End Closing: A Guide to Active KPI Management

The fourth quarter marks the beginning of a critical phase for finance departments worldwide: the final push toward the annual financial statement. For large and multinational corporations, the year-end closing is the company's most important business card, a combination of a mandatory requirement and a strategic tool. It is a central instrument for corporate management and external communication.

05. August 2025

Energy Transition and Active Balance Sheet Structure Management: Options for Energy Suppliers

Financial decision-makers at energy supply companies are facing a central question: How can the financial foundation for a sustainable modernization of the energy sector be laid?

07. July 2025

Pre-Shipment Finance – A Practical Perspective: The Art of the Possible

Pre-shipment finance is rapidly gaining importance as global supply chains face unprecedented complexity and financial strain. In this article, we will delve into the mechanics of pre-shipment finance, its transformative impact on exporters, and why it is becoming an essential component of modern trade.

09. January 2025

Take Charge of Your Cash Flow, Optimise Your Working Capital Management Ratios

The current UK economic landscape, particularly in the aftermath of Brexit, has significantly impacted Trade Finance and Working Capital Management for UK companies. Innovative SCF tools, such as payment solutions which do not require onboarding of the suppliers can provide the flexibility and control needed to manage liquidity effectively. 

18. December 2024

cflox Outlook 2025: Global Trade Faces Enormous Challenges

Economic developments will present companies with even greater challenges in the coming year - be it rising prices or disruptions in supply chains, the threat of tariffs, import restrictions or other circumstances.

08. October 2024

Textile Industry in Focus: Best Practices for Optimizing Working Capital

Dynamic market conditions, rapidly changing consumer trends (fast fashion) and increasingly complex, global supply chains characterize the textile industry. “Effective working capital management is essential in order to succeed in this highly competitive market,” says cflox Managing Partner Thomas Krings.

16. September 2024

Working Capital in the Automotive Industry: Overcoming Challenges and Securing Liquidity

How do automotive manufacturers secure liquidity and navigate through supply chain disruptions? Discover effective ways to optimize working capital and stay competitive. Click here for the best practices and most innovative solutions.

06. August 2024

From Need to Implementation: Challenges and Goals in Working Capital Management

Uncertainties in the supply chain emphasize the need to optimize financial processes and secure liquidity. The cflox pay solution offers a valuable solution to meet these challenges and strengthen business relationships with suppliers.

24. July 2024

Interview With Ralf Kesten: Working Capital Challenges Across Europe

Active management of working capital is essential in today's business landscape to manage the impact of uncertainty in the supply chain. What are the most important levers and the latest trends in SCF? Ralf Kesten, Sales Director at cflox, explains the latest solutions.