Magazine
Discover in-depth analyses, interviews, and current trends in working capital financing and supply chain management.
How can companies strengthen their operating cash flow at the end of the year without straining relationships with suppliers? CFO Holger Müller, rating expert Martin Amann, and Prof. Harald Kessler explain the role that working capital management, accounting, and credit ratings play in this process.
The balance sheet date may still be a few months away. But the foundations for a successful year-end are laid long before then. Companies that identify the right financial levers early and actively manage them gain valuable financial flexibility – avoiding the time pressure and last-minute actions that often define the final weeks of the year.
The requirements of modern Treasury have changed. Payment structures and processes, however, often have not. Financial flexibility is increasingly becoming a competitive advantage. Companies today need to react faster, plan investments more effectively, and actively manage liquidity in ways they never had to before. This is exactly where cflox varipay comes in.
Many companies invest heavily in improving their cash flow forecasts—but in doing so, they overlook the crucial issue: If you can only predict your cash flow, you’ve only done half the work.
Nordic CFOs know exactly where capital is trapped — unlocking it is another story. cflox pay gives Treasury an autonomous lever to extend payment terms by 60+ days, without supplier onboarding, without balance sheet impact. Liquidity at the push of a button.
The way companies manage working capital is currently undergoing a fundamental transformation. In Europe, there is much to learn from the Nordcis, explains Matthias Ihme, Head of Sales at the payment institution cflox.
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.
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.
The food retail industry is under constant pressure. In this environment, working capital determines stability, resilience, and investment capacity.
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.
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.
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.
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?
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.
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.
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.
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.
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?
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