11 Ways to Protect Your Cash Flow

Protect your cash flow — before a small problem becomes an existential one

Companies can fail fast when working capital is tight, and spending is hidden. In 2025, more than 23,900 companies entered insolvency in England and Wales. Finance teams need faster insight, stronger controls, and more predictable cash timing to avoid the same fate.

How SAP Concur helps
SAP Concur brings travel, expense and invoice data together so you can see spend as it happens, act with confidence, and protect working capital. Our platform automates capture and approvals, applies policy controls in real time, and gives near‑real‑time reporting and analytics so finance leaders spot risks earlier and make smarter decisions.

What you’ll get

• Real-time visibility: See employee, travel and supplier spend across distributed teams, so you know where cash is committed before it leaves the business.
• Faster cash collection: Invoice promptly and automate invoice processing to reduce delays and errors.
• Better forecasting: Use Intelligence and Consultative Intelligence to analyse trends and forecast cash needs with more confidence.
• Smarter controls: Apply policy controls automatically with Concur Expense and Concur Request to prevent unexpected spend.
• Optimised working capital: Improve supplier payment timing and stage invoicing for long projects to smooth cash flow.
• Actionable budgeting: Track budgets in near real time with Budget to control and adjust spend as required.

Key features at a glance

• Concur Expense: Capture spend automatically and enforce policy in real time.
• Concur Invoice: Automate invoice capture and prioritise supplier payments.
• Concur Travel + TripLink: Get visibility of all travel spend and negotiate better deals.
• Concur Request: Approve or reject requests before spend occurs to avoid surprises.
• Intelligence & Consultative Intelligence: Tailored analytics across travel, expense and invoice data.
• Budget: Consolidated, near‑real‑time view of employee spend budgets.

Get the guide: 11 ways to improve cash flow visibility and control
Download practical, actionable steps to reduce risk, free up working capital and strengthen resilience. Whether you want to tighten controls, speed invoicing or forecast more accurately, this asset shows where to start

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