Treasury Management

Working Capital Advisory

Better collection, concentration and disbursement.

We pride ourselves on helping our clients save time and money by delivering integrated technology solutions to help more efficiently manage their business. Our dedicated team is ready to work with commercial and corporate clients to
deliver solutions to manage cash resources and optimize working capital.

Our Consultative Approach

Throughout the working capital cycle, we can help reduce costs, increase operational efficiencies, strengthen controls and manage risk.

Discover — Understand your current business processes and identify barriers and challenges to optimize working capital
Recommend — Design holistic, differentiated process and operational improvements that demonstrate return on investment through improvement in Days Sales Outstanding (DSO) and Days Payable Outstanding (DPO)
Propose — Provide a compelling and competitive proposal for all services, with dedicated implementation and ongoing support

The Right Solutions for You

With tailored solutions, we help our clients create end-to-end process efficiencies.

Integrate enterprise resource planning system with banking activities
Expedite collections and receivables
Streamline and control payments
Manage and optimize liquidity
Detect fraud
Provide timely information to help manage your business

Working Capital Management

Our team is available to discuss best practices that can result in significant time and cost savings, improved working capital, optimized DSO and DPO, greater control and reduced risks. The following are some examples of best practices.

Comprehensive Receivables Best Practices

Consolidated Receivables

Automated Clearing House (ACH), wires, remote deposit, merchant,¹ lockbox, electronic invoice presentment and payment

Invoice Matching

Artificial Intelligence to auto match payments with outstanding invoices

Integrate with ERP

Seamless integration to ERP system

Expedited Posting

Results in market-leading automated posting rate of 85% and higher

Comprehensive Payables Best Practices

Optimize Payments Process

Digitization (paper to electronic)
Vendor analysis
Vendor enrollment (if applicable)

E-Invoicing

Match with Purchase Orders
Code with General Ledger (G/L) or Cost Centers
Route through Approvals

Integrate with ERP

Post G/L and Cost Centers
Position payment based on agreed terms
Create and send consolidated payment file
Archive data and images

Single Payment File

ACH
Wires
Card payments
Check outsourcing
Payment tracking

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Insights & Media

City National Bank, its affiliates and subsidiaries, as matter of policy, does not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretation. You should consult with our other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances.

All credit products are subject to credit approval.

Additional Terms and Agreements apply for all City National Bank products and services. For more information, please see the Treasury Management Disclosure and Agreement.

1. Pursuant to agreement City National Bank exclusively markets the merchant services of Elavon, Inc. to its clients and may receive compensation for its services. Elavon, Inc. is an independent merchant transaction processing service and is not owned by City National Bank or any City National Bank affiliate. Services provided by Elavon are subject to a separate agreement on application approval.

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