Industry

Liquidity Planning for Agencies

Project-based revenue, long payment terms, and fluctuating utilization — finban helps agencies manage their liquidity proactively.

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Challenges

Project-based revenue with irregular payment receipts and long payment terms (30–60 days)

High personnel cost ratio (often 60–80%) combined with fluctuating utilization rates

Clients pay late or in partial invoices — the gap between delivering work and receiving payment is significant

Growth requires pre-financing new hires before the revenue catches up

Difficult planning with a mix of retainer clients and one-off projects

How finban helps

Automatic Tracking of All Payment Flows

Connect your business account and get a real-time overview of all inflows and outflows. No more manual tracking of invoices and bank transfers — everything stays up to date automatically.

Scenario Planning for Utilization and Growth

What happens if a major retainer client cancels? How does hiring two new designers affect your cashflow? Plan different scenarios and make better decisions grounded in real numbers.

Contract Management for Retainers and Licenses

Keep track of retainer agreements, software licenses, and other recurring costs. See immediately when contracts expire or costs increase, so you can renegotiate in time.

Personnel Planning in Your Cashflow

Plan salaries, freelancer costs, and new hires directly in your liquidity planning. See the financial impact of every team change before you make it.

Deep Dive

Project-Level Cashflow Planning for Agencies

Learn how project-based cashflow planning detects scope creep, shows project margins in real time, and prevents cash gaps — with interactive widgets, calculators, and industry comparisons.

Real-time project profitabilityScope creep detectionHiring calculator

Read the Deep Dive

Key Features

Automatic Bank Connection

All account movements in real time

Scenario Planning

Model utilization and growth scenarios instantly

Contract Management

Retainers, licenses, and fixed costs at a glance

HR Planning

Salary and freelancer cost planning built in

Cashflow Forecasting

Automatic forecasts for the coming months

Accounting Integration

Directly connected to lexoffice, sevDesk, and more

Liquidity Planning Software

Explore the full Liquidity Planning Software

See how finban brings together bank connections, scenarios, forecasting, and reporting in one tool — built for SMEs, freelancers, and growing companies.

Discover the software

“As an agency owner, I always struggled with late payments and long payment terms. finban shows me weeks in advance when things will get tight — so I can act, not react.”

Marco S., Agency Owner

Key Financial Signals

finban monitors these signals automatically so you can act before problems arise.

High Burn Rate

Monthly spending exceeds a sustainable level