Cashflow timing

How multi-currency invoices create cashflow timing risk

A receivable and payable in the same currency may look naturally offset. In practice, the supplier due this week still needs cash before the customer receipt due next month arrives.

For founders and finance teams searching why FX exposure is also a working-capital problem.

The short answer

Net foreign receivables and payables only after checking whether the customer cash arrives before the supplier bill is due.

Why simple netting can be dangerous

Illustrative figures, not customer data.

ItemValueNote
INV-1042+USD 180k due in 12 daysCustomer receivable still waiting for settlement.
INV-1088+USD 240k due in 31 daysLarge offset on paper, weak help for near-term bills.
BILL-771-USD 140k due in 7 daysSupplier needs paying before the first customer receipt.
BILL-804-USD 170k due in 24 daysCan only be matched against receipts that land in time.

Cashflow-aware exposure review

StageFinance questionWhat to check
0-7 daysWhat must be paid before cash comes in?Supplier bills, bank cash, committed settlements.
8-21 daysWhich receipts are likely to arrive?Receivable age, customer reliability, overdue risk.
22-45 daysWhat can be naturally offset?Currencies and dates close enough to reduce execution need.
Stress caseWhat if the customer pays late?Shortfall, overdraft need, FX rate sensitivity.

Common mistake

Netting receivables and payables before checking due dates assumes the business has spare cash sitting around.

Where Hedgr fits

Use Hedgr to group exposure by currency and maturity window, so natural offsets are only treated as useful when timing supports them.

Related guides

Hedgr is read-only. It does not execute trades, move funds or give investment advice.

Guides

Accounting integrations

Pricing · All integrations · Home