Finance and management · Finance, Treasury & Banks

From projected cash to bank confirmation, everything reconciled

Collections, accounts payable, cash position, bank integrations, remittances, returns and reconciliation in the same flow. The treasury monitors what has been accomplished and what is projected without separating bank, title and financial entry into parallel controls.

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Le problème et la solution

What changes when Finance, Treasury & Banks works inside the platform

This is connected information about classes, graduates and events across 22 modules, replacing scattered spreadsheets and messages.

Sans la plateforme

Information about Finance, Treasury & Banks lives in separate spreadsheets, and nobody knows which version is current.

Avec Partiu Formatura

22 modules share the same class, graduate and event records.

Sans la plateforme

Demander un chiffre prend du temps, parce qu’il faut croiser des données venues de plusieurs endroits.

Avec Partiu Formatura

Billings and Payments and Conciliation and NFS-e update together, with figures ready for the next meeting.

Sans la plateforme

Le processus dépend de qui est là ce jour-là, et son historique disparaît.

Avec Partiu Formatura

Tout le monde suit le même circuit, avec des actions consignées et des droits par rôle.

Sans la plateforme

Communiquer avec les autres services suppose d’exporter des tableurs et de resaisir les données.

Avec Partiu Formatura

Finance, Treasury & Banks shares information directly with other areas of the platform.

Comment ça marche

How information moves through Finance, Treasury & Banks

Chaque étape correspond à un module réel de ce domaine. Ce qu’elle produit passe à l’étape suivante sans que personne resaisisse la même information.

What is available in Finance, Treasury & Banks

À la une

From the collection generated to the money reconciled, without a spreadsheet in between

The installments arise from the contracted plan and are sent by bank slip, PIX or card, with recurrence and split between suppliers. The statement comes back from the bank in OFX, CSV, Excel or CNAB and the system reconciles against what was already registered, writes off the settled securities and records the rejections. What is left becomes default with a billing rule and negotiation at a discount.

Voir à l’œuvre
  • Boleto, PIX and card with Stripe, MercadoPago, Asaas, Cielo and Stone
  • Bank reconciliation and PIX with duplicate detection
  • CNAB remittance and return via SFTP, with automatic download
  • D-7 to D+7 reminders and debt negotiation with installments
  • Consolidated cash position by account, branch and group of companies
  • Applications, loans and financing with outstanding balance and net debt
  • Maturity ladder with cash days and locked daily closing

Billings and Payments

Generate automatic charges with multiple integrated payment methods.

  • Configurable payment methods by billing origin
  • Single payment link sent to graduate
  • Automatic installments with customizable dates
  • Bank slip, instant PIX and credit card
  • Integration with Stripe, MercadoPago, Asaas, Cielo and Stone
  • Automatic recurring billing to your card
  • Split payments between suppliers
  • Discount coupons and promotions

Conciliation and NFS-e

Automatically reconcile payments and issue invoices effortlessly.

  • Audit of payments with a trail of who downloaded what
  • CNAB audit with line-by-line feedback
  • Mass issuance of NFS-e and notes received from suppliers
  • Automated daily bank reconciliation
  • PIX reconciliation in real time
  • Automatic issuance of NFS-e by municipality
  • CNAB processing for bills
  • Default reports and revenue forecast
  • Export to Excel and PDF

Negotiation and Contracts

Negotiate debts and manage contracts with digital signature.

  • Debt negotiation with flexible installments
  • Digital contracts with electronic signature
  • Complete billing history per graduate
  • Automatic reminders D-7, D-3, D-1, D+1, D+3, D+7
  • Automatic update of interest and fines

Strategic Financial Vision

Advanced income statement, margins per class, break-even point and in-depth indicators.

  • Realized and projected cash flow
  • 360 view of classes in a single financial dashboard
  • Projections and simulations saved to compare later
  • Managerial DRE with vertical and horizontal analysis
  • Comparative DRE between periods (monthly and annual)
  • Detailed DRE by class and business unit
  • Contribution margin per class with average ticket
  • Margin by product and service category
  • Breakeven point with break-even chart
  • Projection of scenarios and financial simulations

Profitability per Event and per Class

Appropriate revenue and cost at the time they are committed, not just when the money passes.

  • Margin by event and by class budgeted, committed and carried out side by side
  • Cost enters as soon as it is committed (scale published, purchase approved), while it is still possible to react
  • Appropriate revenue from installments, tickets and gallery products
  • Appropriate cost from accounts payable, purchasing, freelancers and event production
  • Coverage declared on screen: you see which sources made it in and what was left out
  • Consolidated by class even when the expense is not tied to an event
  • Alerts when projected margin falls below planned
  • Profitability by institution and funding channel

Unit Economics by Graduate

How much does it cost to win, how much does it cost to serve and how much does each graduate earn.

  • CAC per channel, calculated with the campaign cost and the distribution of the sales team
  • LTV per forming throughout the cycle, with configurable horizon
  • Cost of serving coming from cost appropriation, without estimated estimate
  • Payback on acquisition investment per enrollment period
  • Margin by harvest, by institution, by course and by channel
  • Graduates without an identified channel receive the average CAC for the month, when you allow
  • Explanation of how each number was formed, opened on the screen itself

Class Commercial Intelligence

Recruitment of institutions, proposal that closes, closing forecast and capacity of the commercial team.

  • Market coverage: institutions and courses covered, planned and not yet negotiated
  • Window for approaching upcoming collations that no one is negotiating
  • Conversion by size, state, course and origin of the institution
  • Competition that already serves the institution and what was lost to each competitor
  • Base renewal: institution that graduated a class and does not yet have one for the following year
  • Acceptance of proposal by discount and margin range
  • Commission response time and number of versions until acceptance
  • Effect of discount and price losses against competitors
  • Probability of closing measured in the history of the funnel itself, alongside that entered by the salesperson
  • Probable closing date and trading alert that closes late for listing
  • Monthly forecast in pessimistic, base and optimistic scenarios against the target
  • Monthly photograph of the forecast that does not change afterwards, with accuracy measurement
  • Load per salesperson against capacity and demand approaches in the coming months
  • Hiring, cycle, win rate and ticket simulator, with saved scenarios
  • Reading by groups and contracts already closed when the commercial funnel is still empty, with the basis used declared on the screen

Advanced Accounts Payable

Apportionment by cost center and purchasing workflow with approval.

  • Proportional allocation between multiple cost centers
  • Automatic validation of 100% in apportionment
  • Purchase requisitions with approval workflow
  • Approval limits by value and position
  • Automatic approval within limits
  • Status kanban: draft, pending, approved, purchased

Consolidated Financial Position

A screen answers how much the company has today, in which account, how much of it is already owned and how much is owned by third parties.

  • Single financial account for bank, teller, safe, POS drawer, gateway, application and class cashier
  • Discovery of accounts that already exist in the system: the scan proposes from payment accounts, imported statements, accounting de-to, POS terminals and class cashiers, and you accept, merge or discard each one
  • Balance always recalculated from the opening balance and the movements posted in Treasury, never typed in, with automatic checks against the sum of movements
  • Account statement with running balance line by line, filter by period and export
  • Transfer between accounts as its own document, with both legs recorded together, separate fee and mandatory approval above the limit you define
  • Available, committed and free side by side, with a horizon of 30, 60 or 90 days
  • Composition of what is available open item by item, and what is outside it with the reason written on the screen
  • Third-party cash (class money) visible and outside the company's total
  • Position by branch and consolidated group of companies, with the mutual between them eliminated
  • Frozen daily photo: the position of a past date is reproducible and gives the same number months later
  • Correction is a reversal, never deletion: no movement leaves the history

Financial Applications

CDB, LCI, LCA, fund, savings and interest-bearing account with controlled income, taxation and liquidity.

  • Apply and redeem without changing the company's total cash: changes the composition, not the total
  • Income treated as a result and redemption as movement between specific accounts, each with its own nature
  • Floating rate with an index (CDI, SELIC, IPCA, IGP-M, TR) and index percentage, with the series imported or typed in, fixed rate and hybrid
  • Calculation by producer of daily factors, which stops and warns when there is a day missing in the series instead of estimating
  • Regressive IR and short-term IOF calculated by valid range, updateable without changing the code
  • Redemption simulation before recording, with rate, tax and liquid receivable on the screen
  • Provision of income based on accrual, reversed when the bank credits, without counting twice
  • Portfolio by availability period: immediate liquidity, short term, long term and what is guaranteed
  • Panel of due dates and grace periods for the next 90 days, signaling application with no defined destination
  • Application given as guarantee is no longer available automatically
  • Application extract with principal, income, IR and IOF in separate columns

Loans, Financing and Anticipation of Receivables

Contract with versioned schedule, installment in accounts payable with separate principal and interest, and outstanding balance that matches the bank's balance.

  • Simulation of the schedule before the contract exists, to check installment by installment against the bank's proposal
  • Price, SAC, bullet and CDC, with monthly, fortnightly, quarterly, semi-annual, annual or single frequency
  • Principal grace period and interest grace period, with capitalization calculated as the bank calculates
  • CET estimated by internal rate of return on the real flow of the operation
  • IOF, TAC and insurance treated as charges, financed from the principal or deducted from the release, at your choice
  • Release in one or more installments, entering the chosen account with its own nature
  • Portion materialized in accounts payable with principal and interest in separate fields, because amortization is not an expense
  • Versioned schedule: each renegotiation preserves the previous version, queryable forever
  • Debit balance by date, recalculated based on contract events
  • Anticipation of installments with future interest waived calculated on the screen
  • Early settlement with simulation of the amount due, savings obtained and automatic cancellation of future titles
  • Renegotiation that creates a new contract pointing to the old one, without erasing the history of what was previously agreed
  • Anticipation of receivables, discount on duplicates and advance transfer of gateway treated as a credit operation, with the financial cost appearing as an expense
  • Guarantees registered by contract, including assets and blocked application
  • Debt portfolio with short and long term, average cost weighted by balance and next maturity

Liquidity, Cash Days and Closing

The maturity ladder shows the day on which the cash flow runs out, and the day checked is locked.

  • Maturity ladder by range, from past due to over 360 days, with what comes in versus what goes out
  • Projected balance based on the actual available, with the first hole highlighted
  • Days of cash calculated on the average outflow made over the last 90 days, not on forecast
  • Indicators with saved numerator and denominator: immediate liquidity, short-term debt coverage, net debt, cash commitment and receivables coverage
  • Historical series of each indicator, with the version of the formula used
  • Daily closing by account: check the balance against the statement, see the difference and lock the day
  • Difference always accompanied by the list of movements that explain it
  • Closed day refuses new release, and reopening requires reason registered with author
  • Batch closing of all accounts, leaving out, with a warning, those that do not match the statement
  • Managerial DFC classifying real cash into operational, investment and financing, with proof that it closes with the variation in the balance
  • Suggested accounting entry for each movement, ready for accounting
  • CSV export of position, statement, application portfolio, debt portfolio and schedule
  • Alerts for days of cash limit, installment due, application due, account not reconciling, transfer stopped and guarantee expired
  • Cash position in the app, with one-tap transfer approval

Stamped box and spare ruler

It separates the free money from what has already been allocated and says, every day, how much is left to invest.

  • Each movement carries the restriction: free, tied to a contracted or third-party destination
  • Pocket per class, event, project or contract, with balance derived from movements and fundraising target
  • Rules that stamp the new release alone, by origin, nature, account, class, description or value range
  • Stamp per class created on demand, so the new class is not left out of the rule
  • Retroactive application of the rule in history, with simulation beforehand and without touching what is already in another pocket
  • Reclassification of movement with track of who changed, from which pocket to which, without reversing cash that is correct
  • Free cash days next to cash days: the number that survives a bad week
  • Minimum cushion per company, branch or account, in fixed value, in days of average departure or as a percentage of departures
  • The most restrictive form wins when more than one is filled, with the calculation memory on the screen
  • Surplus calculated on the free available, never on the cash that already has an owner
  • Estimated income always net of IR and IOF, for the actual term of the application
  • Explicit warning when the term is too short and the IOF eats the yield
  • Suggestion of the day recorded with value, estimated earnings and memory, to accept or dismiss with reason

13-Week Funding Decision and Forecast

Compare the four outputs when there is a lack of cash and project the quarter by measuring the error itself.

  • I need so much until that day: new credit, anticipation of receivables, redemption of application and late payment compared side by side
  • Everything converted into cost in reais to date, and not into a fee, because different deadlines and bases do not compare
  • Redemption with the two parts of the cost separated: tax for the length of the period and what ceases to yield
  • Delay with explicit fines and late payments, because that's what happens when no one decides
  • Option without registered base appears as unavailable, with the reason, instead of winning the comparison with zero cost
  • Warning when free cash already covers the need and no operations are needed
  • Scenario saved with the question and answer from that day, to audit the decision months later
  • 13-week rolling forecast with designed and performed side by side
  • Error measured week by week and average error per version, because projection without error measurement becomes faith
  • Frozen version no longer changes: redesign creates new version and the old one continues to be measured
  • Seasonal method for the graduation calendar, adding the contracted portfolio to the harvest of the same week of the previous year
  • Comparison of accuracy between methods, to find out which projects best in this company
  • Manual adjustment per week separate from the system number, with the balance rescheduled from then on
  • Cash assistant in Portuguese, with the number coming out of the same calculations on the screens and the memory together

Batch Payment and Assisted Conciliation

Payment queue that becomes CNAB or PIX remittance, and reconciliation that learns what is repeated every month.

  • Batch with one paying account, one date and one method: CNAB 240 remittance file for download, or PIX, TED and manual recorded as the method
  • Open titles listed as candidates, without those already in another open batch
  • The same title does not enter two live lots, guaranteed in the bank and not just on the screen
  • Approval by authority before shipment, with the value checked again when generating
  • Remittance generated is not money that went out: the title remains in payment until the return confirms
  • Payment confirmation item by item, creating one cash outflow per item and never a single one for the batch
  • Protection against settling the same item twice
  • Rejected item becomes available again for another batch, with the code and message from the bank
  • The financing installment paid for the lot reduces the outstanding balance of the contract alone
  • Warning when the paying account balance does not cover the lot
  • Reconciliation with candidate transactions ordered by note, calculated based on value, date and text
  • Score tie signaled, because two identical payments on the same day only those who made the transaction know how to distinguish
  • Rule learned from an already classified movement, being switched on for suggestion and switched off for automatic
  • Ignore action for the operation mirror leg that the module has already launched on both sides
  • Rule that never married appears on the screen, because it is usually a typo in the pattern

Banking Risk, Covenants, Limits and Cash Pooling

Concentration by bank, monitored contract clause, approval range by value and balance scanning between headquarters and branches.

  • Exposure by institution, adding account balance and applications, with a limit in reais or as a percentage of the portfolio
  • Concentration index and direct reading: distributed, concentrated or very concentrated
  • Alert of what exceeds the FGC ceiling by institution and holder
  • Bank with balance and without registration appears separately, instead of disappearing from the total
  • Linking old accounts by name, with simulation before applying
  • Profitability of each application against the index, with a percentage of the benchmark weighted by the average balance
  • Deviation between the percentage contracted and the percentage delivered, which is the conversation to have with the manager
  • Indexer series with hole marks competency as incomplete basis rather than displaying invented percentage
  • Covenants measuring the same indicators as the liquidity screen, with limit, alert range and periodicity
  • Measurement recorded with determined value, period limit, numerator and denominator, to reconstruct the number later
  • Guarantees expiring or expired in a current contract, with coverage for the outstanding balance
  • Authority per value range and per operation, from one to five approvers
  • Those who request it do not approve their own request, and one vote per person is guaranteed in the bank
  • Approval is valid for one value: if the operation changes value later, it falls
  • Holes in the ladder pointed out on the screen, because that's where someone thinks they're protected and they're not
  • Cash pooling between headquarters and branches with target balance, minimum and minimum transaction value
  • Concentration and supply generate mutuality on both ends, which is eliminated in the group's consolidation
  • Automatic daily simulation with notification, and execution confirmed by the treasurer

Treasury, Banking Integration and Conciliation

Control bank accounts, import statements, process payments and reconcile each movement with the original title.

  • Import of statements in OFX, CSV, Excel and CNAB 240/400
  • Bank accounts configured by company and branch, linked to the corresponding ledger accounts
  • Financial position with balances, inflows, outflows and actual and projected cash flow from the movements recorded in Treasury
  • Statement retrieved directly from the bank's API, without downloading a file: Inter, Itaú, BB, Bradesco, Santander, Sicoob, Sicredi, Caixa and others
  • Automatic daily synchronization per account, with import always stopping in review before becoming released
  • Automatic reconciliation against already registered accounts payable and receivable
  • Detection of duplicates and linking the release to a supplier, graduate or employee
  • CNAB400 billing (BMP Money Plus) with remittance generation from installments
  • Remittance submission and automatic return processing via SFTP
  • Automatic write-off of settled securities and registration of rejections
  • Accounts payable remittance generated for download and return file by upload, with audit per file and per bill
  • Assisted issuance of digital certificates, webhooks and secure configuration of banking credentials

Banking Relationship, Limits and Fees

How much the bank approved, how much has already been used, what it charges in excess of the contract and what it asks for in return.

  • Line of credit approved by bank: special check, working capital, guaranteed account, receivables advance, card, Finame, leasing, guarantee and exchange
  • Limit used recomposed of operations and negative account balance, never entered
  • Credit breath: how much you can still pull today, by bank and in total
  • Contracted rate per product, with monthly deductible, compared to the actual charge per month
  • Fare discrepancy stated in reais, with registered dispute and amount reversed
  • Reciprocity with goal and achievement: average balance, payroll, insurance, collection, acquisition and application
  • Share of wallet per period, calculated from Treasury movements: how much volume went through each bank
  • Contacts with paper and validity, because managers change and the name in the text field disappears together
  • Powers of attorney and signature card with validity and alert, as expired power of attorney stops payment on closing date
  • Evaluation of the bank by period in terms of price, agility, service, system and credit
  • Memory of meetings with agenda, decisions and pending issues

Foreign Exchange, Exposure and Financial Instruments

How much the company has exposed in each currency, how much of it is protected and how much the derivative is worth today.

  • User-registered currencies and quotes with bid and ask, because exporters and importers do not settle at the same rate
  • Exposure by currency with value in the currency, rate and reais of the origin date, and the origin reais is never recalculated
  • Exchange variation measured at settlement, with explicit gain and loss
  • Exposure by maturity range: up to 30 days, 90, 180, 360 and above
  • Future purchase not yet contracted is weighted by probability, separate from firm exposure
  • NDF, swap, forward, option, future, exchange lock, ACC and ACE with counterparty and maturity
  • Mark-to-market as a daily series, with the method used recorded at each point
  • Hedge designation with formal documentation and recorded effectiveness tests
  • Instrument contracted for trading is permitted and is marked as such on the entire screen
  • Sensitivity analysis along the lines of CVM 475, with probable, possible and remote scenarios

Corporate Cash Flow and Cash Budget

Where did the month's money come from and go, according to the company's cash flow system and flow plan.

  • Own flow plan, hierarchical, in the three activities: operational, investment and financing
  • From-to declared by nature, origin, financial category or account, with priority
  • No automatic classification by keyword: anything that doesn’t match the rule appears as not classified
  • Neutral category for transfer between own accounts, application and redemption, outside of cash generation
  • Conference that closes: the sum of the categories matches the real cash variation, or the difference appears
  • Cash budget versioned per year, with rebudget creating a new version and the old one continuing compared
  • Budgeted versus carried out by category and competence, with deviation in reais and percentage
  • Graduation business plan ready to seed, with graduate reception, studio product, field team and shipping

Group Consolidated Daily Position

Cash, investment and debt of group companies, with what happens between them eliminated.

  • Group companies with participation and method: full, proportional, equivalence or outside the consolidated
  • Daily position by company and the group total, on the same screen
  • Operations between companies registered with both legs: transfer, mutual, apportionment, service, dividend, contribution and reimbursement
  • Declared elimination, not inferred by similar value and date, which makes mistakes exactly in the cases that matter
  • Gross, eliminations and consolidated side by side, because consolidated without the gross no one checks
  • Reconciliation of the two legs with the registered divergence, which is almost always a TED or IOF rate
  • Company without Treasury linked appears as having no data, and not as company with zero
  • Historical series of the group's consolidated position

Class Collective Box

Transparent collection of the class with balance, goals and double approval of exits.

  • Collective box by class with collection target and progress bar
  • Balance fed by installments paid, store sales, campaigns and manual entries
  • Automatic capture rules by revenue source
  • Outflows (debits) with mandatory proof and double approval from managers
  • Complete statement with filters, attachments and refund with reason
  • Configurable visibility in the app for transparency with graduates

Liste de contrôle

Everything included in Finance, Treasury & Banks

All 234 features in this area, grouped by module so you can compare systems item by item.

  • Configurable payment methods by billing origin
  • Single payment link sent to graduate
  • Automatic installments with customizable dates
  • Bank slip, instant PIX and credit card
  • Integration with Stripe, MercadoPago, Asaas, Cielo and Stone
  • Automatic recurring billing to your card
  • Split payments between suppliers
  • Discount coupons and promotions
  • Audit of payments with a trail of who downloaded what
  • CNAB audit with line-by-line feedback
  • Mass issuance of NFS-e and notes received from suppliers
  • Automated daily bank reconciliation
  • PIX reconciliation in real time
  • Automatic issuance of NFS-e by municipality
  • CNAB processing for bills
  • Default reports and revenue forecast
  • Export to Excel and PDF
  • Debt negotiation with flexible installments
  • Digital contracts with electronic signature
  • Complete billing history per graduate
  • Automatic reminders D-7, D-3, D-1, D+1, D+3, D+7
  • Automatic update of interest and fines
  • Realized and projected cash flow
  • 360 view of classes in a single financial dashboard
  • Projections and simulations saved to compare later
  • Managerial DRE with vertical and horizontal analysis
  • Comparative DRE between periods (monthly and annual)
  • Detailed DRE by class and business unit
  • Contribution margin per class with average ticket
  • Margin by product and service category
  • Breakeven point with break-even chart
  • Projection of scenarios and financial simulations
  • Margin by event and by class budgeted, committed and carried out side by side
  • Cost enters as soon as it is committed (scale published, purchase approved), while it is still possible to react
  • Appropriate revenue from installments, tickets and gallery products
  • Appropriate cost from accounts payable, purchasing, freelancers and event production
  • Coverage declared on screen: you see which sources made it in and what was left out
  • Consolidated by class even when the expense is not tied to an event
  • Alerts when projected margin falls below planned
  • Profitability by institution and funding channel
  • CAC per channel, calculated with the campaign cost and the distribution of the sales team
  • LTV per forming throughout the cycle, with configurable horizon
  • Cost of serving coming from cost appropriation, without estimated estimate
  • Payback on acquisition investment per enrollment period
  • Margin by harvest, by institution, by course and by channel
  • Graduates without an identified channel receive the average CAC for the month, when you allow
  • Explanation of how each number was formed, opened on the screen itself
  • Market coverage: institutions and courses covered, planned and not yet negotiated
  • Window for approaching upcoming collations that no one is negotiating
  • Conversion by size, state, course and origin of the institution
  • Competition that already serves the institution and what was lost to each competitor
  • Base renewal: institution that graduated a class and does not yet have one for the following year
  • Acceptance of proposal by discount and margin range
  • Commission response time and number of versions until acceptance
  • Effect of discount and price losses against competitors
  • Probability of closing measured in the history of the funnel itself, alongside that entered by the salesperson
  • Probable closing date and trading alert that closes late for listing
  • Monthly forecast in pessimistic, base and optimistic scenarios against the target
  • Monthly photograph of the forecast that does not change afterwards, with accuracy measurement
  • Load per salesperson against capacity and demand approaches in the coming months
  • Hiring, cycle, win rate and ticket simulator, with saved scenarios
  • Reading by groups and contracts already closed when the commercial funnel is still empty, with the basis used declared on the screen
  • Proportional allocation between multiple cost centers
  • Automatic validation of 100% in apportionment
  • Purchase requisitions with approval workflow
  • Approval limits by value and position
  • Automatic approval within limits
  • Status kanban: draft, pending, approved, purchased
  • Single financial account for bank, teller, safe, POS drawer, gateway, application and class cashier
  • Discovery of accounts that already exist in the system: the scan proposes from payment accounts, imported statements, accounting de-to, POS terminals and class cashiers, and you accept, merge or discard each one
  • Balance always recalculated from the opening balance and the movements posted in Treasury, never typed in, with automatic checks against the sum of movements
  • Account statement with running balance line by line, filter by period and export
  • Transfer between accounts as its own document, with both legs recorded together, separate fee and mandatory approval above the limit you define
  • Available, committed and free side by side, with a horizon of 30, 60 or 90 days
  • Composition of what is available open item by item, and what is outside it with the reason written on the screen
  • Third-party cash (class money) visible and outside the company's total
  • Position by branch and consolidated group of companies, with the mutual between them eliminated
  • Frozen daily photo: the position of a past date is reproducible and gives the same number months later
  • Correction is a reversal, never deletion: no movement leaves the history
  • Apply and redeem without changing the company's total cash: changes the composition, not the total
  • Income treated as a result and redemption as movement between specific accounts, each with its own nature
  • Floating rate with an index (CDI, SELIC, IPCA, IGP-M, TR) and index percentage, with the series imported or typed in, fixed rate and hybrid
  • Calculation by producer of daily factors, which stops and warns when there is a day missing in the series instead of estimating
  • Regressive IR and short-term IOF calculated by valid range, updateable without changing the code
  • Redemption simulation before recording, with rate, tax and liquid receivable on the screen
  • Provision of income based on accrual, reversed when the bank credits, without counting twice
  • Portfolio by availability period: immediate liquidity, short term, long term and what is guaranteed
  • Panel of due dates and grace periods for the next 90 days, signaling application with no defined destination
  • Application given as guarantee is no longer available automatically
  • Application extract with principal, income, IR and IOF in separate columns
  • Simulation of the schedule before the contract exists, to check installment by installment against the bank's proposal
  • Price, SAC, bullet and CDC, with monthly, fortnightly, quarterly, semi-annual, annual or single frequency
  • Principal grace period and interest grace period, with capitalization calculated as the bank calculates
  • CET estimated by internal rate of return on the real flow of the operation
  • IOF, TAC and insurance treated as charges, financed from the principal or deducted from the release, at your choice
  • Release in one or more installments, entering the chosen account with its own nature
  • Portion materialized in accounts payable with principal and interest in separate fields, because amortization is not an expense
  • Versioned schedule: each renegotiation preserves the previous version, queryable forever
  • Debit balance by date, recalculated based on contract events
  • Anticipation of installments with future interest waived calculated on the screen
  • Early settlement with simulation of the amount due, savings obtained and automatic cancellation of future titles
  • Renegotiation that creates a new contract pointing to the old one, without erasing the history of what was previously agreed
  • Anticipation of receivables, discount on duplicates and advance transfer of gateway treated as a credit operation, with the financial cost appearing as an expense
  • Guarantees registered by contract, including assets and blocked application
  • Debt portfolio with short and long term, average cost weighted by balance and next maturity
  • Maturity ladder by range, from past due to over 360 days, with what comes in versus what goes out
  • Projected balance based on the actual available, with the first hole highlighted
  • Days of cash calculated on the average outflow made over the last 90 days, not on forecast
  • Indicators with saved numerator and denominator: immediate liquidity, short-term debt coverage, net debt, cash commitment and receivables coverage
  • Historical series of each indicator, with the version of the formula used
  • Daily closing by account: check the balance against the statement, see the difference and lock the day
  • Difference always accompanied by the list of movements that explain it
  • Closed day refuses new release, and reopening requires reason registered with author
  • Batch closing of all accounts, leaving out, with a warning, those that do not match the statement
  • Managerial DFC classifying real cash into operational, investment and financing, with proof that it closes with the variation in the balance
  • Suggested accounting entry for each movement, ready for accounting
  • CSV export of position, statement, application portfolio, debt portfolio and schedule
  • Alerts for days of cash limit, installment due, application due, account not reconciling, transfer stopped and guarantee expired
  • Cash position in the app, with one-tap transfer approval
  • Each movement carries the restriction: free, tied to a contracted or third-party destination
  • Pocket per class, event, project or contract, with balance derived from movements and fundraising target
  • Rules that stamp the new release alone, by origin, nature, account, class, description or value range
  • Stamp per class created on demand, so the new class is not left out of the rule
  • Retroactive application of the rule in history, with simulation beforehand and without touching what is already in another pocket
  • Reclassification of movement with track of who changed, from which pocket to which, without reversing cash that is correct
  • Free cash days next to cash days: the number that survives a bad week
  • Minimum cushion per company, branch or account, in fixed value, in days of average departure or as a percentage of departures
  • The most restrictive form wins when more than one is filled, with the calculation memory on the screen
  • Surplus calculated on the free available, never on the cash that already has an owner
  • Estimated income always net of IR and IOF, for the actual term of the application
  • Explicit warning when the term is too short and the IOF eats the yield
  • Suggestion of the day recorded with value, estimated earnings and memory, to accept or dismiss with reason
  • I need so much until that day: new credit, anticipation of receivables, redemption of application and late payment compared side by side
  • Everything converted into cost in reais to date, and not into a fee, because different deadlines and bases do not compare
  • Redemption with the two parts of the cost separated: tax for the length of the period and what ceases to yield
  • Delay with explicit fines and late payments, because that's what happens when no one decides
  • Option without registered base appears as unavailable, with the reason, instead of winning the comparison with zero cost
  • Warning when free cash already covers the need and no operations are needed
  • Scenario saved with the question and answer from that day, to audit the decision months later
  • 13-week rolling forecast with designed and performed side by side
  • Error measured week by week and average error per version, because projection without error measurement becomes faith
  • Frozen version no longer changes: redesign creates new version and the old one continues to be measured
  • Seasonal method for the graduation calendar, adding the contracted portfolio to the harvest of the same week of the previous year
  • Comparison of accuracy between methods, to find out which projects best in this company
  • Manual adjustment per week separate from the system number, with the balance rescheduled from then on
  • Cash assistant in Portuguese, with the number coming out of the same calculations on the screens and the memory together
  • Batch with one paying account, one date and one method: CNAB 240 remittance file for download, or PIX, TED and manual recorded as the method
  • Open titles listed as candidates, without those already in another open batch
  • The same title does not enter two live lots, guaranteed in the bank and not just on the screen
  • Approval by authority before shipment, with the value checked again when generating
  • Remittance generated is not money that went out: the title remains in payment until the return confirms
  • Payment confirmation item by item, creating one cash outflow per item and never a single one for the batch
  • Protection against settling the same item twice
  • Rejected item becomes available again for another batch, with the code and message from the bank
  • The financing installment paid for the lot reduces the outstanding balance of the contract alone
  • Warning when the paying account balance does not cover the lot
  • Reconciliation with candidate transactions ordered by note, calculated based on value, date and text
  • Score tie signaled, because two identical payments on the same day only those who made the transaction know how to distinguish
  • Rule learned from an already classified movement, being switched on for suggestion and switched off for automatic
  • Ignore action for the operation mirror leg that the module has already launched on both sides
  • Rule that never married appears on the screen, because it is usually a typo in the pattern
  • Exposure by institution, adding account balance and applications, with a limit in reais or as a percentage of the portfolio
  • Concentration index and direct reading: distributed, concentrated or very concentrated
  • Alert of what exceeds the FGC ceiling by institution and holder
  • Bank with balance and without registration appears separately, instead of disappearing from the total
  • Linking old accounts by name, with simulation before applying
  • Profitability of each application against the index, with a percentage of the benchmark weighted by the average balance
  • Deviation between the percentage contracted and the percentage delivered, which is the conversation to have with the manager
  • Indexer series with hole marks competency as incomplete basis rather than displaying invented percentage
  • Covenants measuring the same indicators as the liquidity screen, with limit, alert range and periodicity
  • Measurement recorded with determined value, period limit, numerator and denominator, to reconstruct the number later
  • Guarantees expiring or expired in a current contract, with coverage for the outstanding balance
  • Authority per value range and per operation, from one to five approvers
  • Those who request it do not approve their own request, and one vote per person is guaranteed in the bank
  • Approval is valid for one value: if the operation changes value later, it falls
  • Holes in the ladder pointed out on the screen, because that's where someone thinks they're protected and they're not
  • Cash pooling between headquarters and branches with target balance, minimum and minimum transaction value
  • Concentration and supply generate mutuality on both ends, which is eliminated in the group's consolidation
  • Automatic daily simulation with notification, and execution confirmed by the treasurer
  • Import of statements in OFX, CSV, Excel and CNAB 240/400
  • Bank accounts configured by company and branch, linked to the corresponding ledger accounts
  • Financial position with balances, inflows, outflows and actual and projected cash flow from the movements recorded in Treasury
  • Statement retrieved directly from the bank's API, without downloading a file: Inter, Itaú, BB, Bradesco, Santander, Sicoob, Sicredi, Caixa and others
  • Automatic daily synchronization per account, with import always stopping in review before becoming released
  • Automatic reconciliation against already registered accounts payable and receivable
  • Detection of duplicates and linking the release to a supplier, graduate or employee
  • CNAB400 billing (BMP Money Plus) with remittance generation from installments
  • Remittance submission and automatic return processing via SFTP
  • Automatic write-off of settled securities and registration of rejections
  • Accounts payable remittance generated for download and return file by upload, with audit per file and per bill
  • Assisted issuance of digital certificates, webhooks and secure configuration of banking credentials
  • Line of credit approved by bank: special check, working capital, guaranteed account, receivables advance, card, Finame, leasing, guarantee and exchange
  • Limit used recomposed of operations and negative account balance, never entered
  • Credit breath: how much you can still pull today, by bank and in total
  • Contracted rate per product, with monthly deductible, compared to the actual charge per month
  • Fare discrepancy stated in reais, with registered dispute and amount reversed
  • Reciprocity with goal and achievement: average balance, payroll, insurance, collection, acquisition and application
  • Share of wallet per period, calculated from Treasury movements: how much volume went through each bank
  • Contacts with paper and validity, because managers change and the name in the text field disappears together
  • Powers of attorney and signature card with validity and alert, as expired power of attorney stops payment on closing date
  • Evaluation of the bank by period in terms of price, agility, service, system and credit
  • Memory of meetings with agenda, decisions and pending issues
  • User-registered currencies and quotes with bid and ask, because exporters and importers do not settle at the same rate
  • Exposure by currency with value in the currency, rate and reais of the origin date, and the origin reais is never recalculated
  • Exchange variation measured at settlement, with explicit gain and loss
  • Exposure by maturity range: up to 30 days, 90, 180, 360 and above
  • Future purchase not yet contracted is weighted by probability, separate from firm exposure
  • NDF, swap, forward, option, future, exchange lock, ACC and ACE with counterparty and maturity
  • Mark-to-market as a daily series, with the method used recorded at each point
  • Hedge designation with formal documentation and recorded effectiveness tests
  • Instrument contracted for trading is permitted and is marked as such on the entire screen
  • Sensitivity analysis along the lines of CVM 475, with probable, possible and remote scenarios
  • Own flow plan, hierarchical, in the three activities: operational, investment and financing
  • From-to declared by nature, origin, financial category or account, with priority
  • No automatic classification by keyword: anything that doesn’t match the rule appears as not classified
  • Neutral category for transfer between own accounts, application and redemption, outside of cash generation
  • Conference that closes: the sum of the categories matches the real cash variation, or the difference appears
  • Cash budget versioned per year, with rebudget creating a new version and the old one continuing compared
  • Budgeted versus carried out by category and competence, with deviation in reais and percentage
  • Graduation business plan ready to seed, with graduate reception, studio product, field team and shipping
  • Group companies with participation and method: full, proportional, equivalence or outside the consolidated
  • Daily position by company and the group total, on the same screen
  • Operations between companies registered with both legs: transfer, mutual, apportionment, service, dividend, contribution and reimbursement
  • Declared elimination, not inferred by similar value and date, which makes mistakes exactly in the cases that matter
  • Gross, eliminations and consolidated side by side, because consolidated without the gross no one checks
  • Reconciliation of the two legs with the registered divergence, which is almost always a TED or IOF rate
  • Company without Treasury linked appears as having no data, and not as company with zero
  • Historical series of the group's consolidated position
  • Collective box by class with collection target and progress bar
  • Balance fed by installments paid, store sales, campaigns and manual entries
  • Automatic capture rules by revenue source
  • Outflows (debits) with mandatory proof and double approval from managers
  • Complete statement with filters, attachments and refund with reason
  • Configurable visibility in the app for transparency with graduates
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How Finance, Treasury & Banks connects to the rest of the platform

Ces domaines partagent les mêmes fiches. Une information saisie ici est disponible là-bas sans export de tableur ni nouvelle saisie.

Budget Planning, Forecasting & Scenarios

Versioned budget, rolling forecast, income statement, cash flow and balance sheet projected in the same model.

Budget Management

From annual planning to the end of the month: budget for the company, the class, the event and the committee's cash flow in a single cycle.

Management Accounting & Tax

Double entry fed by the financial department itself, books, closing, statements and analysis by cost center, class and branch.

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