Cash & Treasury Management
Written by Harry Prabandham
Curated by Rubric Financial
1 / 5
Cash Management Fundamentals
- Maintain a 13-week rolling cash flow forecast updated weekly; this is the single most important treasury tool for startups
- Separate operating cash (2-3 months of expenses) from reserve cash; keep reserves in a different account to prevent accidental spending
- Implement dual-signature authorization for any payment above a materiality threshold (e.g., $10K-$25K depending on stage)
Related Resources
What Belongs in SaaS COGS and How to Compute Gross Margin
A practical guide to defining SaaS cost of revenue and calculating gross margin correctly, including AI inference costs and benchmarks.
CFO & StrategyB2B Surcharging: Passing Credit-Card Fees to Customers
How SaaS companies can recover credit-card interchange costs on subscriptions, and the legal and commercial tradeoffs of doing so.
CFO & StrategyBusiness Valuation Methods for Startups
An overview of the valuation methodologies used for startups, from 409A compliance valuations to M&A and fundraising contexts.
About the author
Harry PrabandhamFounder & CEO
Founder and CEO of StartupCFO. MBA from Wharton, MS in Computer Science, and decades of experience building and advising venture-backed startups.
More articles by Harry →Related tools and reading
Burn Rate Calculator
Gross burn, net burn, and burn multiple from your monthly cash flows.
GuideWhat Belongs in SaaS COGS and How to Compute Gross Margin
A practical guide to defining SaaS cost of revenue and calculating gross margin correctly, including AI inference costs and benchmarks.
InsightStartup CFO Digest: Week 31, August 2026
This week's digest focuses on the uncomfortable truths of startup finance: how dilution silently destroys founder returns, why growth incentives corrupt judgment, and how capital structure decisions ripple through your entire financial life. We're also seeing strong capital availability at the Series B/C stage and consolidation activity that rewards disciplined cost management. Make your moves while the window is open.
GlossaryBurn Rate
Net cash consumed per month.
Free toolRunway Calculator
See how many months of runway your cash and burn give you.
InsightBest Corporate Cards for Startups (2026)
Brex, Ramp, Mercury IO, Rho, and American Express compared for venture-backed startups in 2026: underwriting without a credit history, personal guarantees, spend controls, rewards, and which card fits your situation.
Want this run on your actual numbers?
A fractional CFO can turn what you just read into a board pack, a forecast, and a spending plan built from your own ledger.
Want the full sample as a PDF?
No spam, ever. If the download doesn't start, email us.
Or talk it through:
