Each of these needs the same three things: faster decisions, clearer visibility, stronger control.
Five ways we work.
Liquidity Visibility & Cash Control
Limited liquidity visibility slows decisions and increases financial risk. We help leadership see the cash position clearly, strengthen forecasting, and operate with greater confidence between reporting dates.
Liquidity reporting
Short-term cash planning
Treasury process improvement
Working Capital Optimization
Working capital inefficiency constrains liquidity more often than the financing market does. We find where cash is trapped in the business, quantify what freeing it is worth, and put the change in the hands of an owner with a date.
AR / AP process improvement
Inventory working capital review
Forecasting alignment
Capital Structure & Banking Strategy
Your debt documents and bank group quietly set the ceiling on what the business can do next. We read the credit agreement the way the lender does — definitions, baskets, real headroom — and build the banking architecture and hedging policy to match.
Refinancing preparation and lender materials
Bank group and credit facility structure
FX and interest-rate hedging policy
Treasury Infrastructure & Transformation
As companies grow or change hands, treasury processes rarely keep pace. We build frameworks that scale — policy, reporting, banking architecture and controls that still work two acquisitions from now.
Forecasting systems and reporting
Banking architecture
Process and control improvements
Interim & Fractional Treasury Leadership
When experienced treasury leadership is needed, waiting for a full-time hire is not always practical. We provide executive-level support to stabilize the function and move quickly through the change — particularly valuable during a leadership gap, an acquisition, a refinancing or a restructuring.
Transaction and integration support
Lender and sponsor reporting
Team build-out and handover
Shaped to the problem, not to a retainer.
Engagements are structured around what the business actually needs. Three shapes cover most of it:
Interim leadership
The seat filled while you search, or through the event.
Advisory retainer
Standing capacity for the board meeting and the lender call.
Project-based
A defined piece of work with a defined end.
Each is built for experienced support and practical execution, without unnecessary complexity.
Evaluate your current position.
No obligation. An initial discussion is about understanding your situation and working out where Harbor Ridge can add value — or telling you plainly that it can't.