Be Your Own CFO: The Art of Cash Management for SMEs

Tuesday, 31 January 2012 11:33

In a credit-squeezed market, cash and liquidity rule - find out how to drive the effectiveness and efficiency of your company's and your own cash


Banks are running a zero tolerance policy towards your bank account. Go overdrawn, for whatever reason, and you’ll be punished financially. The banks are rebuilding their capital position, trying to cover years of questionable loan practices and to meet new global banking regulations. A source of cheap deposits and fee income is the SME (Small and Medium Enterprise) and the individual. In the past you may not have concerned yourself unduly with managing your cash, but today if you do not pay (pun intended) attention then the banker may take it all.

Be Your Own CFO: The Art of Cash Management for SMEs is a best-practice guide that makes liquidity understandable and demonstrates how better cash management can help you and your company weather the current financial storm.  

With greater insight into banking, payment and trade infrastructures, better decisions can be made to drive the efficiency and effectiveness of cash.

The book asks you to look at:
•    You direct debits – 1 in 10 are usually for something you don’t now need;
•    Earning money on money while staying liquid – take a look at currencies and gold;
•    Payments - get paid faster, ask for electronic transfer instead of paper;
•    Accounts receivable – figure out how much working capital you are lending out;
•    Accounts payable – how it is affecting your credit rating.

Written by John Bertrand, a veteran banker with 30 years' experience in banking, cash management, payments and technology at Citibank, IBOS, ALLTEL, Misys and Admertec/Ceptum in the US and the UK.



Be Your Own CFO is superb. For the first time there is a book that explains banking and finance in every day language. Easy and simple to read and understand. It is ideal for people needing a practical understanding of finance and how it affects them and their companies." Thomas E Jones, former Vice Chairman of the IASB


"Actually, it is very good, concise, and I wonder who you got to write it." Gerry English, past President of the Irish Association of Corporate Treasurers


Publication date: October 2012
ISBN 978-1-907720-49-9

For full list of Contents, click here

To see sample pages, click here

Order your copy now
Print:£9.99//€11.95/$15.60 plus p&p; PDF/e-book: £7.99+ VAT/€9.60+ VAT/$12.50

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Each chapter starts with Key Questions for SME directors and a Key Points Summary



Chapter 1    Stages of Cash Management

Domestic Cash Management

International Cash Management


Chapter 2    Bank Accounts -  New Rules and Regulations


Know Your Customer (KYC)

Anti Money Laundering

Deposit Insurance

Value Dating

3rd Party Management


Chapter 3    Liquidity/Cash Cushion


Chapter 4    Savings

Bank Accounts

Interest Rates


Chapter 5    The Investment Pyramid


Appreciating cash investments

Bonds, equities and property



Chapter 6    The Credit Pyramid


Unsecured Credit

Secured credit

Credit Agencies

Credit Default Swaps


Chapter 7    Investment versus Credit

Net Interest Income


Chapter 8    Payments



Direct Debit

SEPA Direct Debit (SDD)



Warehouse Accounts

Correspondent Banking Payments

Real Time Gross Settlement (RTGS)


Chapter 9    Foreign Exchange


Chapter 10  Supply Chain

Invoice Financing


Asset Based Finance

Personnel Guarantees


Chapter 11  Illiquid Management


Pre-pack Administration


Chapter 12  Case Studies




Wells Fargo/Wachovia



About John Bertrand

John's expertise in banking, cash management, payments and technology was gained over 30 years at Citibank, IBOS, ALLTEL, Misys and Admertec/Ceptum in the USA and UK.


In this time he created and implemented technology in front, middle and back offices of banks, in addition to developing electronic access options for the needs of corporations and retail customers.  This included redefining core banking for Misys  (300 banks), ensuring long-term revenue. He has provided and developed cash management consulting, netting schemes, third party cash management, pooling and foreign exchange.


John has been involved in mergers and acquisitions in more than 10 banking/software transactions that included cloud-based solutions. One transaction in the cloud now represents 9% of Misys profits.

John raised capital, added mezzanine financing, leasing and invoice factoring together to create Ceptum Limited, a potential bank, now with $10 million in profitable assets and with no debt.

He has worked with the UK (FSA) and Swedish (FI) banking and finance authorities to create a de nova bank.

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