Cash management

S-Central system

Our automatic account clearing system (S-Central) concentrates the liquidity of your accounts at savings banks or Landesbanken in a central account on a daily basis. All sub-accounts shall be credited or debited daily against the central account in accordance with the value date.

•  You use all accounts as before, e.g. for your payment transactions.
•  You only manage the central account.
• You avoid debit or overdraft interest on the sub-accounts.
• You bundle your liquidity surpluses and can invest them attractively.

This happens automatically, independent of your ERP system.

Cash management – SFirm

As a company, you usually maintain business accounts at various banks and savings banks. With our electronic banking software SFirm, you manage your liquidity in such a way that an optimal interest profit is generated from the activities in the daily treasury.

• SFirm calculates your interest-optimised liquidity management for you on the basis of daily account information and individual control parameters.
• SFirm takes into account your payment runs and planning data.
• SFirm generates electronic transfer payments for you, which you can conveniently forward to the respective banks and savings banks after signing electronically.

Together with our partner Krämer IT, we support you in setting up a cash management solution tailored to your needs.

Cash Pool Pro

Alternatively – outside your ERP system – we can offer you a web-based solution with an automated cash pool. All your accounts are integrated and automatically pooled according to your wishes and specifications. The parameters can be defined individually for each account (interest – also internal interest, base amounts, etc.). Moreover, this solution can be used not only nationally in a multibank-capable capacity but also internationally. This means that all currencies can be processed and therefore all foreign accounts can also be integrated. We offer this solution in cooperation with HELABA.

Inter-Cash

As an internationally operating corporation, you would like to integrate your foreign accounts and subsidiaries into your Group-wide liquidity planning. We are happy to support you with the integration of your accounts into your ERP system. With our financial and transaction service, you can access the account information of your foreign accounts and execute payment orders (MT940 and MT101). The account information of your foreign bank accounts is thus directly integrated into your ERP system and the payment orders are generated and executed from your ERP system.

Cash-Pool Pro

Alternatively – outside your ERP system – we can offer you a web-based solution with an automated cash pool – See section National / At all German banks.