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Case Study: Smart Cash Management for Business – Enhancing Returns, Reducing Risk

Client Profile

Type: SME (Small to Medium Enterprise)
Sector: Professional Services
Cash Position: £1.2 million held across two business bank accounts
Problem: Low interest returns, limited FSCS protection, inefficient allocation

Background

This business had built up a healthy cash reserve of over £1 million, primarily held in current and instant-access accounts at two high street banks. However, during a routine financial review, the business owners expressed concerns about:
- Earning minimal interest on cash balances
- Exceeding FSCS protection limits, increasing risk to capital
- Difficulty tracking returns and preparing accurate reports for their accountant
They needed a solution that could optimise returns while preserving capital and maintaining access to funds as needed for operations and future investments.

Our Recommendation

We introduced the client to our partnered cash management platform, which provides a centralised and secure solution to help businesses:
✅ Diversify cash across multiple institutions, each covered by FSCS protection (up to £85,000 per eligible bank)
✅ Improve interest rates, compared to traditional current or savings accounts
✅ Access tailored liquidity planning, based on business cash flow and access needs
✅ Receive a single consolidated statement, simplifying admin and reporting
✅ Provide their accountant with easy access to annual interest certificates

Implementation & Outcome

Funds were quickly and securely allocated through the platform:

Capital was spread across multiple banks, within FSCS protection limits
Cash was split into tiered tranches based on access requirements (instant access, 30-day, 90-day, etc.)
The platform provided online visibility of holdings, rates, maturities, and documentation
The client gained peace of mind, knowing their capital was better protected and working harder

As a result, the client increased their annual interest income by several thousand pounds, reduced risk exposure, and improved the efficiency of their cash reporting and audit process.

Conclusion

Many businesses are currently sitting on significant cash reserves, often in underperforming and unprotected accounts. This case highlights the importance of taking a strategic approach to cash management.

Key Takeaway:

With the right platform, businesses can protect their capital, earn better returns, and simplify financial oversight — all without compromising on access or control.

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