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    Autonomous Management · Finance and cash

    Autonomous Commercial Deposit Management

    Factorbooks does more than show your bank balance. It weighs cheques, notes, POS movements, loans and limits together and calculates the cash you can really use, in real time. You cut unnecessary borrowing, late payment costs and manual tracking.

    Works in every package together with the related module.

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    How it differs from other ERPs

    The same work, done two different ways.

    In other ERPs

    • Bank balances are taken from each bank’s screen or statement separately.
    • Available cash, cheques falling due and POS movements are worked out by hand in spreadsheets.
    • Overdraft and credit card limits are tracked separately and not deducted from the cash limit.
    • Cash and non-cash limits are checked from time to time.
    • Bank charges are not tracked in detail.

    In Factorbooks

    • All bank accounts, limits and movements are followed in real time from one place.
    • The available balance accounts for cheques due but not yet processed, POS movements and limits.
    • Overdraft and credit card limits are tracked one by one and reduce the cash limit.
    • Cash and non-cash limits are tracked by bank in real time.
    • Bank charges are tracked in the same detail as in the banking systems.

    A large payment is due tomorrow. Is there enough cash?

    You need to decide whether to borrow for a supplier payment.

    1. Balances are gathered

      Balances of demand, time and overdraft accounts across banks appear in one structure.

    2. Pending items are added

      Cheques sent for collection, cheques issued and POS movements that are due but not yet processed are taken into account.

    3. Limits are deducted

      Overdraft and credit card use is calculated as a reduction of the cash limit.

    4. The available balance shows

      Bank balance, current balance and available balance are shown separately.

    5. You decide

      Because you see the true cash position, you do not borrow without need.

    Which work runs autonomously?

    You enter the record; Factorbooks does the work below for you.

    Deposits and balances

    Deposit types
    Demand, time and overdraft accounts work the same way as in the bank’s core system.
    Three balances
    Bank balance, current balance and available balance are calculated in real time.
    Back-dated checks
    Current and back-dated balance checks are available for every deposit type.

    Limits

    Cash and non-cash limits
    Limits are tracked by bank in real time.
    Overdraft and credit card
    Overdraft and credit card limits are tracked separately, and their use is deducted from the cash limit.
    Early warning
    Over-limit, cash shortfall and late payment risks are visible in advance.

    Cheques, notes, POS and charges

    Items for collection and collateral
    Cheques and notes given to the bank for collection or as collateral are tracked in real time.
    POS and business credit cards
    POS and business credit card movements are followed as they happen.
    Bank charges
    Charges are tracked in the same detail as in the banking systems.

    What it gives your business

    • Visible cashAll bank accounts, limits and movements are followed from one place.
    • True available balanceThe effect of cheques, notes, POS, loans and credit cards is included.
    • Lower financing costBecause available cash is seen correctly, you avoid unnecessary loans.
    • Fewer late payments and over-limit chargesPayments and collections falling due are seen in advance.
    • Stronger liquidity planningToday’s and future cash positions are followed together.
    • Consolidation across banksAccounts and limits at several banks are managed in one structure.
    • Less manual trackingLess time goes into following banks, cheques, notes, POS and limits.
    • TransparencyBank charges, tax and social security payments are regular and traceable.

    Calculate your annual benefit

    Enter your own figures. The defaults are the base scenario for a sample business with a 10-person finance and accounting team.

    • Less unnecessary borrowingBorrowing avoided × annual financing rate200,000 TL
    • Late payment, over-limit and similar costsAnnual cost avoided60,000 TL
    • Staff capacity freed from bank and liquidity trackingPeople × daily hours × working days × hourly cost220,000 TL
    Total annual economic benefit
    480,000 TL
    Monthly average
    40,000 TL

    This is a hypothetical calculation, not a result measured at Factorbooks customers. Freed staff time does not automatically lower payroll; it adds capacity if the time is used for other work.

    The Factorbooks approach

    What sets this module apart is that it does not stop at the bank balance. It weighs cheques, notes, POS, loans and limits together and calculates the business’s true available cash position. The value comes from three places: lower financing cost, liquidity losses avoided and less manual tracking.

    Modules where this runs

    The autonomous process described here runs inside the catalog modules below.

    Advanced Finance Management

    Current account, cash, bank, loan, POS, company credit card, payment, cheque and note management.

    35 features

    Cash Management

    Forward-looking cash visibility with a cash flow forecast.

    Frequently asked questions

    What is the difference between available balance and bank balance?

    The bank balance is the amount in the account. The available balance also accounts for cheques due but not yet processed, POS movements, and loan and credit card limits.

    We work with several banks. Is everything in one place?

    Yes. Accounts and limits at different banks are followed and managed in one structure.

    Where do the calculator figures come from?

    From the base case of a sample scenario prepared by our team. In the same example, the cautious scenario shows 156,500 TRY a year and the high scenario 966,000 TRY. Real figures depend on your bank movements and processes.

    Other autonomous modules

    All autonomous modules

    See it with your own data

    We will set the scope and the package together, based on your transaction volume.

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