TREASURY MANAGEMENT SERVICES BUSINESS PLAN

I. Executive Summary

Company Description

Aureus Treasury Partners (Aureus: Latin for gold, chosen to signal measurable value and liquidity) is a United States-based financial consulting firm launching in 2026. We operate in the treasury and cash management sector, delivering project-based implementations and ongoing advisory services that professionalize liquidity operations for small and mid-sized enterprises with annual revenues of $5M–$100M. Our team of CTP-certified practitioners focuses on the cash conversion cycle to cut financing costs and free internal capital. One-liner: we turn working capital into predictable growth capital.

We deliver cash forecasts, bank relationship optimization, payment and collections redesign, and short-term liquidity solutions through a mix of hands-on projects and retainer advisory. Core activities include diagnostic assessments, playbook development, system integrations, staff training, and monthly performance reporting. What sets us apart is a service model that pairs certification-backed expertise with measurable KPIs and fast payback—typically 3–9 months on identified efficiency saves. Short-term goal: sign 12 retainers and complete 20 diagnostics in year one (2026). Long-term goal: scale to serve 200 clients and operate a subscription analytics platform by 2029. One-liner: we deliver cash results you can bank on.

Problem

SMEs with $5M–$100M in annual revenue lose cash to inefficient working capital and fragmented banking setups. They typically lack in-house treasury expertise, which creates limited cash visibility, excessive bank fees, and poor alignment of receivables, payables, and inventory timing—raising their effective cost of capital and increasing the risk of operational disruption.

Based in the United States and launching in 2026, our firm fills this gap with CTP-certified treasury experts who deliver project and advisory services that professionalize cash management and reduce reliance on expensive external financing.

Solution

Many growing U.S. businesses suffer from trapped working capital, excessive bank fees, and poor cash visibility because they lack dedicated treasury expertise. We act as an outsourced treasury department, centralizing cash management and restoring liquidity so companies can scale with confidence.

Core offerings: Treasury Transformation projects, Advisory Retainers, Bank Fee Negotiation services, and Custom Cash Forecasting Systems—each designed to reduce idle cash, cut operating costs, and deliver timely cash visibility. One-liner: We replace fragmented treasury work with centralized, expert-led cash management that improves liquidity and lowers costs.

Mission Statement

Our mission is to empower U.S. small and medium-sized enterprises by unlocking their financial potential through expert treasury management, delivering measurable value and clearer financial visibility that supports sustainable growth. We commit to professionalizing cash management, providing specialized expertise, and being the most trusted partner for SMEs seeking stronger financial stability.

Key Success Factors

Success rests on our certified team, banking relationships, clear ROI, fast path to breakeven, and focused market partnerships.

• CTP‑certified team delivering specialized treasury expertise clients trust.
• Deep U.S. banking network enabling faster implementations and better pricing.
• Clear, demonstrable ROI that drives sales and client retention.
• 9‑month breakeven to recurring model transitioning to high‑margin subscription revenue.
• CPA and private equity partnerships providing a steady pipeline into the $5M–$100M market.

Financial Summary

The financial plan projects rapid top-line growth, disciplined costs, and attainment of profitability within the first 21 months.

Financial requirements include a minimum cash reserve of $757,000 (minimum cash month: Aug-26); breakeven occurs in Sep-26 (9 months) with a 32-month payback. The plan delivers an IRR of 5.48% and ROE of 2.62%.

The outlook shows scalable revenue to $4,229,000 by 2030 and sustained positive EBITDA after 2026.

Funding Requirements

The U.S. 2026 launch requires $917,500 in total funding to cover capital costs, the first-year operating deficit, and maintain the required cash runway through August 2026.