Consolidate Your Funds And Increase Yields

Automated Funds Transfer
Generally funds transfers are handled manually by issuing written instructions to the bank to either wire or internally transfer funds. ProLiquidity is able to assist in transferring funds between accounts within the Bank automatically without the need for manual instructions. ProLiquidity is able to move funds at the end of each business day or at hourly daily intervals.

Cover Shortfalls And Reduce Interest Expense
Automatically transfer funds to accounts in deficit. As transfers can happen as late as after cheque clearing, ensure that your accounts are sufficiently covered to avoid overdraft charges.

No Idle Funds
Effectively manage multiple accounts by concentrating balances daily to provide a consolidated amount for easy Treasury management. Consolidated surplus funds can then be manually or automatically invested for higher yields.

Manage Volatility
With multiple transactions flowing through an account whether payments or receivables, volatility in day to day balance can be managed by consolidation and accurate reporting.

Inter Company Borrowing And Lending Interest Calculation
As fund movements can tantamount to inter-company borrowing and lending, companies participating in a liquidity structure can assign interest expenses or interest gains between them.

Detailed Reporting
ProLiquidity gives you the desired level of details about your transactions, thus providing you with the facts you need to make informed decisions.

ProLiquidity automatically moves surplus funds to cover accounts where there are deficits. Funds movement can be timed at the end of each business day after inward clearing or at specific intra-day intervals. Excess funds can then be manually placed out or automatically placed.

It is also possible for ProLiquidity to transfer funds to meet a target balance or to move funds leaving a minimum balance in accounts. Concentration structures can be customized according to the requirements of the organization.

ProLiquidity is also able to pool balances. Instead of incurring overdraft charges on individual accounts, by pooling account balances, surplus funds is used of offset accounts with negative balances. Therefore, overdraft is calculated on the amount of pooled balances.