Cash Sitting Idle Across Multiple Accounts: Surplus cash in one entity earning nothing while another borrows at margin is a structural inefficiency we eliminate.
Treasury & Liquidity Management
Treasury & Liquidity Management
Make Your Liquidity Work
Businesses that have grown across multiple jurisdictions often find that their treasury function has not kept pace: cash sitting idle in accounts that are not earning, intercompany settlements that are slow and expensive, and liquidity that is fragmented across entities in a way that prevents the group from using it efficiently.
Treasury Architecture
Fragmented Treasury. Hidden Cost.
We design the treasury architecture for the group: where cash pools sit, how entities fund themselves, how intercompany lending is structured, and how the group optimises its overall liquidity position across currencies and jurisdictions.
Cash Sitting Idle Across Multiple Accounts: Surplus cash in one entity earning nothing while another borrows at margin is a structural inefficiency we eliminate.
No Visibility on Group-Wide Cash Position: When the CFO cannot answer 'how much cash does the group have?' without making ten calls, the treasury function is not working.
Intercompany Settlements That Are Slow and Expensive: Intercompany payments routed through external banks with FX conversion at each step are an unnecessary cost.
Treasury Centre in the Wrong Jurisdiction: The jurisdiction of your treasury centre determines your funding access, FX execution costs, and regulatory obligations.
Liquidity Management
Real Until the Day It Isn't
Day-to-day liquidity management requires systems, processes, and discipline. We advise on cash forecasting frameworks, liquidity buffers, and the management of short-term surpluses and deficits across the group.
No Forward View on Cash Requirements: A business that cannot forecast its cash position 30, 60, and 90 days out is operating blind.
Liquidity Buffers That Are Either Too Large or Too Small: Too much cash is expensive; too little is dangerous — we define the right buffer and put the monitoring in place.
Surplus Cash That Isn't Being Deployed: Cash sitting in current accounts earning nothing is a management failure we fix with a clear investment policy.
Payment Operations That Aren't Centralised: Entities making payments independently with no group oversight is both expensive and a fraud risk.
Treasury Policy & Controls
No Policy. No Limit on the Risk.
A treasury function without a documented policy and clear controls is a source of financial risk. We draft treasury policies that cover FX, counterparty limits, cash investment criteria, and the authorisation matrix for treasury transactions.
No Documented Treasury Policy: Without a treasury policy, every decision is ad hoc and every departure from best practice goes undetected.
Counterparty Exposure You Haven't Measured: Significant cash or derivatives with a single banking counterparty is a concentration risk that needs a defined limit.
Authorisation Processes That Don't Match the Risk: A single signatory on a bank account is a control failure — we design the authorisation matrix that matches control to risk.
Board Reporting That Doesn't Cover Treasury Risk: If the board cannot see the group's liquidity position and FX exposure in a single report, it cannot oversee them.
Who We Work With
For Groups That Outgrew Their Treasury
Trading groups with multi-currency, multi-entity treasury requirements; international businesses scaling their treasury function; and groups seeking to rationalise fragmented banking and liquidity positions.
Multi-Entity Trading Groups: Businesses with entities across multiple jurisdictions managing complex intercompany flows and trade finance facilities.
International Businesses Scaling Rapidly: Companies growing faster than their treasury infrastructure can support, where informality creates real risk at scale.
Groups Rationalising Their Banking Structure: Businesses with too many accounts and no clear treasury architecture where rationalisation would reduce cost and improve control.
Businesses Preparing for External Investment or Listing: Investors and auditors scrutinise treasury management closely — we build the function that meets institutional expectations.
Why Bolster Group
We combine deep jurisdiction knowledge with hands-on execution — so structure, banking, and compliance work together from day one.
Mastering Complexity
We navigate intricate global challenges with precision, ensuring your business thrives in any environment.
Confidence in Expertise
Backed by decades of experience, we provide strategic solutions tailored to your unique needs.
Global Reach, Local Insight
Operating across key markets, we bridge international expertise with deep local understanding to drive success.