Supervisor Agent

Cash Flow & Liquidity Agent

Combines payables, receivables and forecasts into one view of the cash position.

All agents Next: Risk & Performance

An example conversation with the agent

AI Impact

29%

DSO reduction

35%

Faster AP cycle

33%

Faster AR cycle

Key Capabilities

Cash Aggregation

Consolidates cash positions across all entities and currencies

90-Day Projection

Models weekly cash flows over rolling 90-day horizon

Stress Testing

Runs liquidity scenarios under adverse conditions

Funding Analysis

Evaluates funding options to avoid credit facility draws

Scenario

Michelle Tan, Senior Treasury Analyst

Three major outflows approaching — can we avoid the credit facility?

S$58M Penang expansion. S$36M insurance renewals. S$15M year-end bonuses. Three major outflows converging in Q4

“Can we fund the Penang expansion without drawing on the credit facility?”

Two receivables totaling S$1.69M are at risk — Sembcorp and Thai Precision

“Run the downside scenario — what if the at-risk receivables don't come in?”

The CFO's question: can we fund it all without drawing on the credit facility?

“What moves can we make to keep the cash buffer above S$26M?”

Bank Account Balances — 18,240 Records

Daily opening and closing balances across all banking relationships, entities, and currencies

Field	Description
Account ID	Bank account identifier with entity and bank reference
Currency	Account denomination (e.g., USD, EUR, GBP, JPY)
Balance Type	Opening, Closing, Available, Restricted
Value Date	Date the balance was recorded

Account Types

Type	Description
Operating	Primary disbursement and collection accounts
Concentration	Cash pooling and zero-balance sweep accounts
Investment	Money market and short-term deposit accounts

Cash Transactions — 956,320 Records

Individual cash inflows and outflows including collections, disbursements, and intercompany transfers

Field	Description
Transaction Type	Collection, Disbursement, Transfer, Interest, Fee
Amount	Transaction amount in original and reporting currency
Counterparty	Customer, vendor, or intercompany entity reference
Settlement Date	Actual or expected settlement date

Debt Instruments — 2,840 Records

Outstanding credit facilities, term loans, bonds, and commercial paper with covenant and maturity details

Field	Description
Instrument Type	Revolver, Term Loan, Bond, Commercial Paper
Committed Amount	Total facility size and drawn balance
Interest Rate	Fixed or floating rate with benchmark reference (SOFR, EURIBOR)
Maturity Date	Final maturity and amortization schedule

Covenant Types

Type	Description
Leverage Ratio	Total Debt / EBITDA threshold (e.g., max 3.5x)
Interest Coverage	EBITDA / Interest Expense minimum (e.g., min 2.0x)
Minimum Liquidity	Cash + undrawn facilities floor requirement

Liquidity Metrics — 6,720 Records

Calculated liquidity and working capital ratios across entities with historical trending

Field	Description
Metric Name	Current Ratio, Quick Ratio, Cash Ratio, DSO, DPO, DIO
Entity	Legal entity or business unit
Period	Monthly or quarterly calculation date
Value	Calculated ratio with prior period comparison

get_cash_position

Retrieve consolidated cash positions across bank accounts, entities, and currencies with real-time balance aggregation.

Input

entity currency as_of_date balance_type

Output

Consolidated cash summary by entity, bank, and currency with available and restricted balances

forecast_liquidity

Project forward cash flows and liquidity positions under base, upside, and downside scenarios over configurable horizons.

Input

horizon_days scenario stress_factor entity

Output

Daily cash forecast with liquidity buffers, covenant headroom, and trigger point analysis

analyze_working_capital

Compute cash conversion cycle metrics (DSO, DPO, DIO) and identify working capital optimization opportunities.

Input

business_unit period benchmark

Output

Working capital scorecard with cycle metrics, peer benchmarks, and improvement recommendations

search_transactions

Query cash transaction records by type, counterparty, date range, and amount to analyze payment and collection flows.

Input

transaction_type counterparty date_range min_amount

Output

Filtered transaction records with amounts, counterparties, and settlement status

model_funding_gap

Identify funding shortfalls in the forward cash forecast and evaluate optimal instruments to close the gap.

Input

forecast_horizon minimum_buffer available_facilities

Output

Funding gap timeline with shortfall amounts, instrument options, and cost-of-carry analysis

monitor_covenants

Track debt covenant compliance in real time, calculate headroom to breach thresholds, and generate early warning alerts.

Input

facility_id covenant_type as_of_date

Output

Covenant status dashboard with current values, thresholds, headroom percentages, and breach risk

Cash Flow & LiquidityMeridian Industries · November close

Example