Unlocking Liquidity: Strategies for Cash Management to Support Growth

August 19, 2025

By Joel Risser, VP – Treasury Services Manager & Digital Banking Coordinator

The foundation of any successful, growth-focused business isn’t just about increasing revenue; it’s even more about optimizing the cash you already have.

Unlocking liquidity through effective cash management allows businesses to support strategic initiatives, navigate volatility, and invest confidently in future growth.

At Texas Gulf Bank, our Treasury Management team offers a suite of tools designed specifically to help you take control of your cash flow and put your money to work. Let’s dive into strategies for cash management that we recommend to our business clients.

4 Strategies for Cash Management That Support Your Needs

What does your company need to better manage cash flow? We are confident we have a solution that may help maximize the long-term potential of cash on hand to support business operations.

1. Help Accelerate Accounts Receivables

One of the most powerful ways to unlock liquidity is to shorten the time between delivering goods or services and receiving payment.

Here’s how we help:

Remote Deposit Capture: Make check deposits without a trip to the branch, getting funds into your account faster.
Business Mobile Deposit: For businesses with lighter check volume (less than 60 checks per month), this free service lets you deposit checks on the go from your mobile device.
ACH Origination (Direct Debit): Consider offering a small discount to customers who pay by bank account before the due date. Accelerated receivable payments strengthen your cash position, and while the discount reduces margin, having funds in your account earlier provides flexibility and potential opportunities to put your cash to work.
Online Payment Tools: With our partnership with Autobooks, you can send professional invoices, accept online payments, and track everything in one place – no accounting degree required. *

Pro Tip: The sooner payments are received, the sooner those funds can be used to support day-to-day operations or invested to generate a return.

*Texas Gulf Bank, N.A. is not affiliated with Autobooks, Inc. (Autobooks). Certain restrictions and fees apply, as set at the sole discretion of Autobooks.

2. Control & Manage Payables

Delaying payments responsibly – without damaging vendor relationships or overall financial health – can keep cash in your account longer.

Our Accounts Payable solutions include:

ACH Origination: Send payments electronically and on your schedule – improving timing, security, and cash control.
Online Wire Transfers: For time-sensitive payments, our online portal makes it easy to schedule, track, and manage wires, with discounted pricing for online submissions.

Pro Tip: Push to find vendor relationships that align with your cash strategy and are easy to work with – ones that take advantage of early pay discounts, flexible terms, and clear communication.

3. Protect What You Have

Fraud can drain liquidity just as fast as poor planning. Proactive protection ensures your available funds stay available.

The fraud and risk management tools we offer include the following:

Check Positive Pay and ACH Positive Pay: Catch unauthorized or altered transactions before they impact your bottom line.
Dual Approval Controls: Set up input/approval workflows for Wires and ACH transactions to reduce risk and increase accountability.
Daily Alerts & Exception Reporting: Stay in control with real-time notifications when action is required.

Pro Tip: Every dollar you don’t lose to fraud is a dollar that can support growth. Give yourself peace of mind.

4. Put Excess Cash to Work

Once your daily needs are covered, it’s time to let your idle cash earn its keep.

What we recommend:

Earnings Credit Rate (applicable only to eligible Commercial Checking Accounts): Start by making sure your account’s Earnings Credit Rate is working for you by helping to offset eligible service fees based on the balances you maintain.
Sweep Accounts: Automatically move excess balances into interest-bearing accounts overnight or back into your operating expense account as needed.
ICS® and CDARS®**: Access multi-million-dollar FDIC insurance while earning competitive rates on your excess cash.

Pro Tip: Don’t let your liquidity just sit there. Strategically invest it based on your upcoming needs and risk profile.

**ICS®, and CDARS® are registered service marks within the IntraFi Network, LLC.

Ready to Unlock Liquidity in Your Business?

Our Treasury Management team at Texas Gulf Bank partners with business owners and CFOs every day to help improve their working capital position.

We work together to help reduce friction, manage cash inflows and outflows, and uncover opportunities to turn surplus cash and cash reserves into additional sources of income.

Whether you’re a growing startup or a mature enterprise, the right tools and guidance may unlock the full potential of your cash. We proudly serve the needs of local companies throughout the Southeast Texas Gulf Coast region to ensure you have the resources you need.

Let’s talk about how we can help your business put its money to work. Contact us today to discuss strategies for cash management that fit your business!

Services offered through the Treasury Services Department are fee-based and subject to approval.