Autonomous optimization · Office of the CFO

Your Cash Decision Team.

Eleven closers. One per finance function.
They decide. They act.

The autonomous decision team for the office of the CFO. A copilot suggests; a closer decides and executes — inside the guardrails you set once.

−20–40%Idle cash

−30–80 bpsCost of capital

−5–15%DSO

→ 0Days in deficit

Express interest

The Decision Team · One closer per finance function

Eleven closers, across four desks.

Hire the closers you need, one at a time. Each owns a class of cash decisions, makes the call under your rules, and hands your people an action they can approve in seconds.

Liquidity Desk

Never miss an obligation, never carry idle cash, always have a defense ready.

The Liquidity Lead

CASH

“I keep your cash where it's needed, when it's needed — and never leave a dollar sitting idle.”

Decisions it makes

Position & sweep cash across accounts, entities, and borders
Set target and minimum balances per account
Structure cash pooling — physical, notional, or hybrid
Flag accounts to consolidate or close

Tracks:idle cash % · days in deficit (target 0) · transfer cost per $ moved · sweep efficiency

Supports:Cash & Liquidity Management · Group Treasurer / Cash Manager

The Payments Lead

PAYMENTS

“I decide who gets paid, how, and in what order — so scarce cash always lands on what matters most.”

Decisions it makes

Sequence the day's payment run by criticality and cutoff
Choose per-obligation action — pay full, partial, installment, or defer
Protect payroll and tax as hard, first-in-line obligations
Generate the supplier note when an action is non-standard

Tracks:% obligations met by tier · late penalties · supplier-relationship score · payable-days impact

Supports:Disbursements / AP Treasury · Payments & Disbursement Manager

The Gap Resolver

GAP

“When the forecast turns red, I cover the gap the cheapest way there is — before it ever becomes a missed payment.”

Decisions it makes

Pick the cheapest, most-reversible source mix to close a shortfall
Set draw amount and order across overdraft, revolver, deposit break, intercompany
Cover today only — or the next N days in one move
Lay out the replenishment plan to restore headroom

Tracks:all-in cost of resolved gap (bps) · time to resolution · covenant headroom · unresolved gaps (target 0)

Supports:Short-Term Liquidity · Treasury / Funding Desk

The Defense Lead

DEFENSE

“When cash gets tight, I know exactly what to defer, trim, or cut — to buy you the most runway with the least damage.”

Decisions it makes

Order the defensive levers — CAPEX defer, project hold, dividend, tax timing
Recommend execute / defer / scale / cancel per discretionary commitment
Set the trigger bands that escalate soft defenses to hard ones
Draft the board, lender, and shareholder communications

Tracks:runway extension · strategic-damage index · time-to-restore deferred commitments

Supports:Liquidity Stress & Runway · CFO / Treasurer

Funding & Banking Desk

Lower the cost of capital and run bank relationships by design.

The Funding Lead

FUNDING

“I raise every new dollar at the lowest all-in cost — right instrument, right currency, right lender — interest-free where you need it.”

Decisions it makes

Choose instrument, currency, tenor, and counterparty for new funding
Blend conventional and Sharia-compliant pathways where both apply
Pick the currency that creates a natural hedge, not new risk
Shape the draw to protect the maturity ladder and covenants

Tracks:cost of new debt vs benchmark · covenant headroom · saving vs the obvious single-instrument default

Supports:Capital Raising · Treasurer / Head of Funding

The Debt Manager

DEBT

“I watch your loan book around the clock and move to refinance, extend, or repay the moment the math says go.”

Decisions it makes

Hold, refinance, extend, reschedule, prepay, or call — per tranche
Time the action to market windows and penalty step-downs
Target covenant resets and pricing-grid amendments
Check rating impact before any structure changes leverage

Tracks:refinancing NPV savings · weighted-avg cost of debt (bps) · maturity-ladder concentration

Supports:Debt Portfolio · Treasury / Capital Markets

The Banking Lead

BANKING

“I decide how much business each bank earns — by value to you, not by who called first.”

Decisions it makes

Set wallet share per bank by service category
Route each transaction type to the lowest-cost provider
Manage concentration — diversify away from over-exposure
Designate primary banks per region and rationalize accounts

Tracks:banking cost % of revenue · concentration index (HHI) · cross-sell credits realized

Supports:Bank Relationships · Treasury / Relationship Management

Working Capital Desk

Release the cash trapped in the operating cycle.

The Collections Lead

RECEIVABLES

“I get your money in faster, customer by customer — without ever scaring off the ones worth keeping.”

Decisions it makes

Pick the per-customer action — collect, escalate, discount, factor, restructure
Price early-pay discounts against each customer's behavior and margin
Adjust credit limits as risk scores move
Protect strategic accounts from blunt collection actions

Tracks:DSO · bad-debt % of revenue · cost of receivables mgmt per $ collected · credit-driven churn

Supports:Receivables / Credit · Credit & Collections Manager

The Payables Lead

PAYABLES

“I stretch what you owe to the smart limit — and never push a supplier into trouble.”

Decisions it makes

Route each supplier — standard pay, SCF, term renegotiation, pre-buy
Time every payment to the best point inside contractual terms
Capture pre-buy savings when the cash-and-carry math wins
Screen supplier health so DPO never breaks the supply chain

Tracks:DPO · SCF utilization · procurement savings captured · supplier-health exposure

Supports:Payables / Supply Chain Finance · AP & SCF Manager

Risk & Return Desk

Contain currency risk on one side, put surplus to work on the other.

The Currency Lead

“I keep currency swings from ever reaching your P&L — hedged to your policy, never to a gamble.”

Decisions it makes

Set the hedge ratio per currency pair and tenor
Net offsetting exposures into natural hedges first
Choose the instrument — spot, forward, NDF, option, layered strip
Time conversions where the flexibility exists

Tracks:FX P&L variance vs policy ceiling · hedge cost % of notional · coverage ratio per pair

Supports:FX Risk · Treasury / Markets

The Investment Lead

YIELD

“I put every idle dollar to work at the best safe yield — and never touch the cash you'll need tomorrow.”

Decisions it makes

Deploy surplus across deposits, MMFs, repo, and intercompany lending
Build deposit ladders matched to the cash forecast
Diversify within counterparty and instrument limits
Structure maturities so a future gap never triggers a break penalty

Tracks:yield vs benchmark · buffer breaches (target 0) · weighted-avg maturity · counterparty concentration

Supports:Short-Term Investment · Treasury / Investment Desk

Your rules, on every decision

You set the guardrails once. Every closer obeys them, every time.

A guarantee a spreadsheet can never give you — the rulebook is built into the math, not bolted on after.

Interest-free / Sharia-compliant

Blend conventional and Sharia-compliant pathways wherever both apply.

No speculation

Hedging only, never a position — currency risk contained, never gambled.

Cash-buffer floor

Never below your same-day reserve, on any account, in any move.

Concentration limits

Caps the maximum share placed with any one bank or counterparty.

Covenant headroom

Leverage, ICR, and minimum-cash covenants respected on every action.

ESG & policy ceilings

Hard ceilings your policy sets — enforced before any action ships.

Try it on your own numbers

Test each closer before you commit.

Real, constraint-aware cash decisions on your own data — before any integration or license commitment.

Spin up your sandbox

A private, paid OptiCash sandbox — no integration, no IT project.

Activate your closers

Turn on only the finance functions you want.

$200 / mo each

Push your data

Load your real numbers as a full push, then refresh incrementally.

$25 full · $10 incremental

See the decisions

Each closer returns its actions, rationale, and quantified KPI impact.

Hire your first closer this week.

Eleven closers. One coherent cash plan. Decisions on your own numbers — before any integration commitment.

Express interest

OptiCash is part of OptiU — democratizing optimization.