Tariro
Cashflow Navigator & Working Capital Coach
Forecasting cash-on-hand and recommending practical moves across AP/AR
Tariro forecasts your cash position and recommends practical actions across payables and receivables—helping you avoid surprises, optimize liquidity, and make informed decisions about collections, payments, and working capital.
She analyzes payment patterns, predicts cash inflows and outflows, identifies opportunities (early payment discounts, collection priorities), and alerts to potential shortfalls before they become crises.
Key Responsibilities
- Forecast short-term cash position (7, 14, 30, 90 days)
- Predict payment behavior based on customer/supplier history
- Recommend collection priorities (who to chase, when)
- Identify early payment discount opportunities
- Flag potential cashflow shortfalls
- Optimize payment timing within terms
- Track working capital metrics (DPO, DSO, cash conversion cycle)
- Generate cashflow scenarios and stress tests
How Tariro Works
- Receivables: Open invoices, payment terms, customer payment history
- Payables: Outstanding bills, due dates, supplier terms
- Bank Balances: Current cash on hand (all accounts, currencies)
- Historical Patterns: Seasonal trends, payment behavior, currency fluctuations
2. Forecast Generation:
- Predict cash receipts by customer (based on historical payment lag)
- Predict cash disbursements by supplier (based on payment terms and history)
- Account for recurring payments (payroll, rent, loan repayments)
- Consider multi-currency effects (ZWG, USD, ZAR)
3. Scenario Modeling:
- Best case: All customers pay on time
- Likely case: Customers pay per historical pattern
- Worst case: 20% of receivables delayed
4. Recommendation Engine:
- If surplus projected: "Take 2% early payment discount from Supplier X (saves $800)"
- If shortfall projected: "Delay payment to Supplier Y by 5 days (no penalty), collect from Customer Z (20 days overdue)"
- If tight but okay: "Monitor closely; no action needed"
5. Alert Generation:
- 7-day alert: Projected shortfall < minimum operating balance
- 14-day alert: Working capital deteriorating
- 30-day alert: Seasonal cash crunch approaching
6. Action Tracking: Monitor whether recommendations were followed and results achieved
Control Points & Governance
- Read-only analysis: Tariro observes and recommends; doesn't execute payments or collections
- Approval workflow: Recommendations reviewed by CFO/treasury before action
- Scenario transparency: Show assumptions and sensitivity analysis
- Historical accuracy: Track forecast vs actual, improve models
- Multi-currency handling: Forecasts in base currency with FX assumptions visible
Benefits
Proactive Cash Management
• No surprises: Know 30 days ahead if shortfall coming
• Optimize liquidity: Balance early payment discounts vs cash preservation
• Informed decisions: "Can we afford this purchase now or should we wait?"
Better Working Capital
• Collection priorities: Focus on customers with biggest cash impact
• Payment optimization: Pay suppliers strategically (not just "whoever yells loudest")
• DPO/DSO improvement: Track and optimize payment cycles
Real-World Use Cases
Use Case 1: Seasonal FMCG Business
Challenge:
- Cash surplus in Jan (but customers haven't paid yet)
- Cash crunch in Jun (inventory buildup for Dec, but receivables still pending)
- Overdraft fees: $8K annually
Implementation:
- Tariro forecasts seasonal cashflow patterns
- Alerts CFO in April: "Jun-Jul crunch coming, arrange credit line now"
- Recommends collection priorities in May: "Focus on top 10 customers = $250K"
Results:
- Jun crunch anticipated, credit arranged at better rates
- Aggressive collections in May (recovered $180K early)
- Overdraft usage reduced 70%, fees down to $2.4K
Use Case 2: Manufacturing with Long Payment Cycles
Challenge:
- Paying suppliers before customers pay us
- Constant cash squeeze despite profitability
- Can't take early payment discounts (no cash available)
Implementation:
- Tariro models working capital gaps
- Recommends: "Negotiate 45-day terms with top 5 suppliers (reduces cash gap by $120K)"
- Identifies: "12 customers consistently pay late—charge interest or tighten terms"
Results:
- Supplier terms extended (3 of 5 agreed)
- Late-paying customers tightened (reduced DSO 8 days)
- Cash gap reduced $85K
- Captured $4K in early payment discounts
Use Case 3: Multi-Currency Distributor
Challenge:
- Currency mismatch: receivables in USD, payables in ZWG
- Exchange rate swings create unpredictable cash needs
- Don't know when to convert USD to ZWG
Implementation:
- Tariro forecasts by currency
- Recommends: "Convert $50K USD to ZWG today; ZWG payables due next week"
- Alerts: "USD receivables delayed; may need ZWG bridge funding"
Results:
- Better FX timing (saved ~2% on conversions = $12K annually)
- Smoother ZWG cash management
- Reduced FX-driven cash surprises
Frequently Asked Questions
How accurate are Tariro's forecasts?
Typically 85-90% accuracy for 7-day forecasts, 75-85% for 30-day forecasts. Accuracy improves as Tariro learns your payment patterns.
What if customers don't pay as predicted?
Tariro updates forecasts daily. If collections lag, you'll get early warning to adjust plans.
Can Tariro execute payments automatically?
No—Tariro recommends; finance team decides and executes. Treasury control stays with humans.
How does multi-currency forecasting work?
Tariro forecasts by currency, then consolidates to base currency using current/forward FX rates.
What about unexpected expenses?
Tariro can't predict unplanned expenses (equipment breakdown, emergency purchase). Best practice: maintain contingency buffer.
Does Tariro replace our treasurer?
No—Tariro is a decision-support tool. Treasurer focuses on strategy, banking relationships, risk management.
How long does setup take?
2-3 weeks: data integration, historical analysis, model calibration, CFO training.
See Tariro Forecast Your Cashflow
Book a 15-minute demo showing Tariro predicting your cash position and recommending actions