1
Visibility before sophistication
Start with a clear view of cash before adding more complexity to the process.
Stonerose TreasuryTurn Cash Chaos Into Sustainable Profit.
The Stonerose Liquidity Operating Standard (SLOS) is a practical framework for mid-market businesses. It helps finance teams build daily cash visibility, a disciplined 13-week forecast, and a longer-term view of liquidity.
Clear dashboard reporting
Secure access and controls
Built on 25+ years of treasury leadership
The problem
Businesses do not fail because they lack of profit They fail because they run out of cash.
Finance teams can report strong performance while liquidity quietly tightens. Financial statements do not manage cash day to day. Without a clear operating rhythm, profitable businesses can still face real pressure.
Cash scattered
Manual portals, spreadsheets, and CSV files make it hard to see the full picture quickly.
Forecasts unreliable
Without a disciplined 13-week process, issues appear late and confidence drops.
Spreadsheet fragility
Too much depends on manual files, hidden formulas, and version control.
Profit disconnected from cash
Reported performance does not always match the reality in the bank.
Governance gaps
Access, ownership, and auditability are often unclear when the process is spread across too many places.
Slow, costly systems
Heavy tools can take too long to implement and still fail to support the weekly cash rhythm.
Built for mid-market finance teams that want better visibility and control without unnecessary complexity.
The solution
The Stonerose Liquidity Operating Standard A thinking system for cash clarity.
SLOS is a simple, proven framework that helps mid-market businesses improve cash visibility, strengthen forecasting, and build long-term liquidity resilience.
Daily cash visibility
Know where your cash is each morning, across entities and bank accounts.
13-week forecast discipline
Create a weekly forecasting rhythm with clearer headroom and better decision-making.
Long-term liquidity view
Plan ahead for debt, investment, and risk with a more structured view of cash.
Governance and structure
Set clear roles, review cadence, and controls so the process does not depend on last-minute heroics.
Why SLOS Exists
Bridging the gap between financial reporting & real liquidity
The Stonerose Liquidity Operating Standard (SLOS) is a simple, proven framework that helps mid-market businesses avoid cash failure and build sustainable, long-term cash profit. It draws from real-world treasury transformation — not theory.
The SLOS model
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Financial Reporting
Traditional P&L and balance sheet view
2
Cash Forecasting
Short-term projections and variance tracking
3
Liquidity Resilience (SLOS)
The foundation: visibility, control, and governance
Core principles
Five principles behind the standard.
2
One version of the truth
Work from a single, trusted view so decisions are based on consistent information.
3
Time-scaled discipline
Use the right level of review across daily, weekly, and longer-term horizons.
4
Structured bank relationships
Treat banking visibility, communication, and discipline as part of liquidity management.
5
Governance, not heroics
Build a process with clear roles, cadence, and controls rather than relying on last-minute effort.
Maturity model
Where are you today?
A simple way to assess where your organisation is today and what the next stage of liquidity management could look like.
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Level 1
Reactive
Cash view is fragmented; forecasts unreliable.
2
Level 2
Controlled
Forecasting and governance in place.
3
Level 3
Strategic
Cash drives strategy and risk management.
Take the Self-Assessment Quiz
Find out whether your current process is reactive, controlled, or strategic.
Core capabilities
What you get with SLOS.
Practical tools and structure to improve cash visibility, strengthen control, and support better decision-making.
Clear reporting in one place
Bring daily cash, 13-week forecasting, and longer-term liquidity reporting into one structured view.
Controlled access
Give the right people access to the right information, with clear permissions and stronger governance.
Views across time horizons
Move easily between daily cash visibility, short-term forecasting, and longer-term planning.
Structured upload and validation
Check incoming data before it is used, so reporting stays more reliable and consistent.
Simple exports and sharing
Create clear outputs for reviews, meetings, and board packs without rebuilding the numbers.
Oversight and cost control
Keep visibility over usage, performance, and operating cost as the process grows.
Book & pilot programme
Practical support for cash visibility and control.
Discover Mala Sun's published book and apply for the April Pilot if you want a more structured cash reporting and forecasting process.
Published bookAvailable on Amazon
The Art of Cash Flow
A practical book on treasury, resilience, and financial transformation — shaped by 25 years of real-world experience.
- A practical approach to daily cash reporting and 13-week forecasting.
- Grounded in real operating experience across multinational and national businesses.
- Clear thinking on liquidity, governance, controls, and financial resilience.
- Useful for finance leaders who want a stronger and more disciplined cash process.
Written for finance professionals, operators, and business leaders who want a more practical understanding of cash flow — not just theory.
Limited availabilityApril Pilot — 2 slots
Apply for the April Pilot
A focused four-week engagement to strengthen cash visibility, forecasting, and controls — with practical handover for your team.
4-week engagement
13-week model + weekly cash pack
Controls cadence + handover playbook
Application helps ensure fit and delivery capacity
This pilot is suited to finance teams that want a more structured weekly cash process without overcomplicating the operating model.
SLOS Mastermind
Join the SLOS Mastermind Programme
Go beyond the framework. The SLOS Mastermind is a structured coaching programme for finance leaders who want to implement SLOS in their organisation with guidance, accountability, and a community of peers.
Guided 90-day SLOS implementation sprint
Live group coaching with treasury professionals
Self-assessment tools and maturity scoring
Access to templates, frameworks, and tooling
Implementation journey
90-Day Sprint
01
Weeks 1-4
Daily cash visibility model
Build a clearer daily view of cash so the business starts each day with better visibility.
02
Weeks 5-8
13-week forecast discipline
Introduce a structured weekly forecasting process with clearer ownership and review rhythm.
03
Weeks 9-12
Governance & long-term view
Strengthen roles, cadence, and controls while building a broader view of liquidity.
90-Day Sprint
Structured implementation with a clear weekly focus
Weeks 1-4Weeks 5-8Weeks 9-12
Plans
Stonerose Treasury Plans
Choose the level of support that fits your business today, and expand as your liquidity process matures.
Flexible scope as your needs grow
Starter
SLOS Essential
Simple daily cash visibility for smaller teams that want a practical starting point.
£450/ month
- Daily cash reporting view
- Secure uploads and exports included
- Up to 2 seats
- Up to 2 entities and 1 currency
Best for: Smaller teams that need a simpler and more structured daily cash view
Core
SLOS Precision
Daily and 13-week cash visibility with uploads, exports, and Pip support for growing finance teams.
£950/ month
- Everything in Essential
- 13-week forecast structure
- Uploads, exports, and Pip support
- Up to 5 seats with broader entity coverage
Best for: Businesses ready to move into a more disciplined weekly liquidity process
Recommended
SLOS Strategic
Deeper planning support for teams that need daily, 13-week, and longer-term liquidity visibility.
£2,400/ month
- Everything in Precision
- Longer-term liquidity view
- Stronger planning and advisory support
- Up to 10 seats for wider leadership use
Best for: Finance leaders who need clearer planning, stronger reporting, and better decision support
Custom
Treasury as a Service
Diagnostic-led pricing for businesses that need bespoke treasury support.
Customtypical engagements £5,000 to £25,000+
- Initial Liquidity Diagnostic
- Bespoke reporting and treasury support
- Scope set around complexity and reporting needs
- Commercial model agreed after diagnostic
Best for: Businesses that need a bespoke treasury engagement rather than a standard plan
Plan comparison
| Capability | Essential | Precision | Strategic | TaaS |
|---|---|---|---|---|
Daily cash reportingA clearer daily view of balances, movements, and core liquidity position. | Included | Included | Included | Included |
13-week forecastingA rolling weekly cash forecasting process to support short-term planning. | — | Included | Included | Included |
Long-term liquidity viewA broader planning view beyond the weekly forecast for strategy and resilience. | — | — | Included | Included |
UploadsStructured uploads to make data intake cleaner and more repeatable. | Included | Included | Included | Included |
ExportsCreate outputs for internal sharing, packs, and management review. | Included | Included | Included | Included |
Pip supportAdditional analysis support for teams that need more than simple visibility. | — | Included | Included | Included |
Pricing modelStandard plans are fixed monthly tiers. Treasury as a Service is scoped following an initial Liquidity Diagnostic. | Fixed monthly | Fixed monthly | Fixed monthly | Diagnostic-led |
Typical commercial scopeTreasury as a Service is priced by business complexity, reporting requirements, systems, and cash management maturity. | Standard | Standard | Standard | Bespoke |
Support modelHow support becomes broader and more involved at higher tiers. | Starter | Guided | Advisory | Bespoke |
Seats includedThe standard number of users included before any wider access discussion. | 2 | 5 | 10 | By scope |
Daily cash reporting
A clearer daily view of balances, movements, and core liquidity position.Essential
Included
Precision
Included
Strategic
Included
TaaS
Included
13-week forecasting
A rolling weekly cash forecasting process to support short-term planning.Essential
—
Precision
Included
Strategic
Included
TaaS
Included
Long-term liquidity view
A broader planning view beyond the weekly forecast for strategy and resilience.Essential
—
Precision
—
Strategic
Included
TaaS
Included
Uploads
Structured uploads to make data intake cleaner and more repeatable.Essential
Included
Precision
Included
Strategic
Included
TaaS
Included
Exports
Create outputs for internal sharing, packs, and management review.Essential
Included
Precision
Included
Strategic
Included
TaaS
Included
Pip support
Additional analysis support for teams that need more than simple visibility.Essential
—
Precision
Included
Strategic
Included
TaaS
Included
Pricing model
Standard plans are fixed monthly tiers. Treasury as a Service is scoped following an initial Liquidity Diagnostic.Essential
Fixed monthly
Precision
Fixed monthly
Strategic
Fixed monthly
TaaS
Diagnostic-led
Typical commercial scope
Treasury as a Service is priced by business complexity, reporting requirements, systems, and cash management maturity.Essential
Standard
Precision
Standard
Strategic
Standard
TaaS
Bespoke
Support model
How support becomes broader and more involved at higher tiers.Essential
Starter
Precision
Guided
Strategic
Advisory
TaaS
Bespoke
Seats included
The standard number of users included before any wider access discussion.Essential
2
Precision
5
Strategic
10
TaaS
By scope
FAQs
Frequently asked questions.
Clear answers on how the framework works, how access is handled, and how you can get started.
No. Stonerose provides automated, expert-designed Power BI dashboards for daily cash visibility, 13-week forecasting, and long-term planning. You simply provide your data via our validated templates, and our engine handles the transformation and visualisation.
Still have a question? Learn more about SLOS or contact us.
Book a Liquidity Diagnostic
Tell us where you are today, and we can discuss the right next step for your business.
- Discovery call
- Practical next steps
- No obligation
Book a Liquidity Diagnostic
Tell us where you are today, and we can discuss the right next step for your business.
- Discovery call
- Practical next steps
- No obligation
Insights
Treasury insights
Practical notes on cash visibility, forecasting, and liquidity management.
Apr 01, 2026•3 min read
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Ready to take control of your cash?
Start with a practical framework for daily cash reporting, 13-week forecasting, and longer-term liquidity planning.
- Daily cash visibility
- 13-week forecast discipline
- Long-term liquidity view
A practical starting point for businesses that want stronger cash visibility, forecasting, and control.