Liquidity plan

Free liquidity plan template

Use our liquidity plan template for SMEs to see your flow of funds and identify possible liquidity bottlenecks early on.

Liquidity plan – the benefits

  • Step-by-step guide giving you an overview of your liquidity situation
  • Early identification of financing gaps
  • Simple simulation including visual illustrations

Why do I need a liquidity plan?

Liquidity planning is crucial to companies. A plan shows on a rolling basis whether or when a liquidity bottleneck will occur and how large the potential financing shortfall may be. This lets you adopt measures early on to provide for the required liquidity.

What should I watch out for when planning liquidity?

Note the following three points when planning:

  • Plan carefully and take your time.
  • Planning should be based entirely on the facts and reflect reality.
  • Update your planning regularly.

Tips for improved liquidity

  • Write and send your invoices to clients promptly.
  • Set short payment deadlines and consistently send reminders about overdue invoices.
  • Agree with your clients to payment in installments.
  • Optimize your warehouse and inventory.
  • Sell off fixed assets you no longer need.
  • Obtain additional funds from third parties or owners.
  • Negotiate longer payment deadlines with your suppliers.
  • Look for possible cost reductions, e.g., in personnel (including reduced hours), rent and normal operations.
  • Regularly check procurement prices and negotiate price reductions.
  • Postpone non-urgent procurement and maintenance work.
  • Rent or lease necessary equipment instead of purchasing it.
  • Reduce owners' salaries down to the essential.

Support for SMEs – coronavirus

In these challenging times, we continue to stand by you as a strong partner: find information here about COVID-19 loans, the current economic outlook and tips on liquidity planning and digital security.