consulting and finance
Accelerate your consulting and finance cash receipts with the CashOnTime AI
In consulting and finance, work is delivered well before the cash actually comes in.
Turn your delivered engagements into predictable cash flow despite long customer decision cycles, complex contractual milestones, and non-linear cash receipts.
Adopted by numerous organizations in the consulting and finance sectors
Expertise delivered, cash deferred: the financial challenges of consulting and finance
In consulting and finance, growth is based on expertise, time spent, intellectual value produced, and customer trust. The engagements follow one another, the teams are mobilized, the deliverables are delivered… but the cash receipts do not always keep up the same pace.
This model creates a structural mismatch between actual activity and cash received, which complicates financial steering.
As the business develops, this mismatch becomes a key cash risk.
The finance departments of the industry face specific challenges:
- Invoicing by phase, milestone, time spent or engagement, often validated afterwards
- Intangible services that can be more easily challenged than a delivered product
- Long customer-side validation cycles (finance department, legal department, in-house committee)
- Batch or deferred payments across multiple engagements
- High pressure on cash flow related to payroll and fixed costs
When cash receipts put pressure on cash flow
Work delivered, cash not received
The consultants have worked, the deliverables have been handed over, the engagement is completed… but the invoice is still awaiting validation or payment. The revenue is recognized, but the cash is not available.
Long validations and deferred payments
Late payment approval, in-house decision-making on the customer side, grouping invoices at the end of the month or quarter: payments are rarely immediate, even for solvent customers.
High financial and administrative load
Monitoring of validations, measured dunning to preserve customer relationships, reconciliation of total payments… Finance teams spend time securing cash receipts rather than steering cash flow.
In Consulting & Finance
Contractual terms:
30 to 45 days
Average delay observed:
+10 to +15 days
Actual cash receipts: 45 to 60 days
invoices are frequently paid between 45 and 60 days, sometimes more depending on customer validation processes.
The issue is therefore not just to “dunning stronger”, but to regain control of the Invoice-to-Cash cycle in a relational and intangible environment.
The CashOnTime AI serving the cash receipts in consulting & finance
CashOnTime analyzes actual payment behaviors by customer, engagement type, and validation history. Dunning is triggered at the right time, on invoices that present a real risk of deviation.
Result: useful, targeted dunning, without compromising the customer relationship.
The AI identifies weak signals specific to the sector: lagging validations, customers systematically grouping payments, engagements regularly challenged.
Concretely: bottlenecks are addressed before they impact cash flow.
Partially paid invoices, unanticipated adjustments, challenged fees: CashOnTime centralizes and qualifies differences to distinguish what is normal from what should be challenged.
Direct effect: fewer silent losses, more cash secured.
Does a single payment cover several engagements, several invoices or several periods?
CashOnTime automatically reconciles cash flows, even without usable references.
The result: a reliable accounts receivable, with no manual reprocessing.
The forecasts include customer behaviors, validation histories, and actual payment practices.
Result: a clear visibility of cash at 30, 60, and 90 days to steer growth without unnecessary pressure.
Would you like to see how CashOnTime secures your cash receipts without stiffening the customer relationship?
Features designed for the challenges of consulting and finance
CashOnTime includes features specifically designed to handle high transaction volumes, adapt to your industry’s payment practices, and efficiently manage discrepancies such as deductions, disputes, and partial payments.
Securing cash against customer deductions and penalties
Centralization, qualification, and traceability of all deductions and differences (logistics, trade, quality).
Valid amounts are processed quickly, while abusive deductions are identified, challenged, and monitored until collection.
Key benefit: less cash tied up, more amounts collected.
Reliable cash receipts through automatic reconciliation
Reconciliation by artificial intelligence of transfers covering hundreds or thousands of invoices, even with deductions, differences, or partial payments.
CashOnTime reads transfer advices, reconstructs complex payments, and automates matching.
Key benefit: a reliable accounts receivable, with no manual reprocessing.
Adapt the dunning to your customers' payment practices
Customized dunning scenarios by type of customer, entity, credit rating, or collection segment, integrating all your criteria.
Key benefit: fewer unnecessary dunning, more impact on cash receipts.
Manage cash receipts by customer, work queue, entity…
Customizable and configurable dashboards, dedicated to monitoring:
- balance and delays,
- deductions and disputes,
- amounts to be recovered,
Key benefit: less cash tied up, more amounts collected.
Anticipate bottlenecks with financial information connectors
Detection of changes in the level of risk of accounts receivables (recurring disputes, frequent penalties, atypical payment behaviors).
Teams are alerted in real time by notifications.
Key benefit: address issues upstream, secure future cash receipts.
Forecast cash receipts with AI
Cash flow forecasts based on each customer’s unique payment habits.
Key benefit: a realistic cash forecast, actionable for steering WCR.
Collaborate easily
Keep complete traceability of each exchange and decision to secure your actions and gain responsiveness:
- Integration of incoming and outgoing emails directly into CashOnTime
- Discussions (chat) with all employees involved
- Real-time tracking of invoices, from matching to collection
Key benefit: disputes resolved faster, fewer invoices blocked.
Streamline the cross-dispute processing
Collaborative workflow involving finance, sales administration, logistics, and commerce to accelerate dispute resolution and release payments.
Key benefit: less in-house friction, shortened resolution times.
Easily integrate into your existing ecosystem
Seamless API or file-based connection to ERPs, approved platforms (PDP/AP), invoicing tools, EDIs, and accounting systems to secure the entire Invoice-to-Cash cycle without disruption.
Key benefit: rapid deployment without challenging the existing system.
How does CashOnTime fit into your Invoice-to-Cash cycle?
CashOnTime fits into your existing tools (ERP, invoicing, CRM, accounting) to secure every stage of the cycle.
Before invoicing
Centralization of customers, engagements, contractual terms, and payment history to anticipate risks from the outset.
Invoicing
Centralization of invoices and associated documents for immediate traceability in case of late validation or customer challenges, including through purchasing platforms.
CashOnTime integrates the statuses and comments from Chorus Pro for engagements related to the public sector, as well as customer purchasing platforms (PP) used by large accounts, in order to precisely monitor the progress of validations, identify bottlenecks, and secure cash receipts without damaging the customer relationship.
After invoicing
Targeted dunning and structured difference management without aggressive automation.
Cash receipts & payment reconciliation
Automatic reconciliation of total payments covering multiple engagements or periods.
Steering
Real-time dashboards and actionable cash receipts forecasts for the financial management.
Consulting and finance (example)
A consulting firm invoices to large accounts and mid-size companies
650 engagements per year
A transfer of
€480,000 has been received, covering 90 invoices
spread over several customers and periods with 35 invoices partially paid.
CashOnTime automatically reconciles the flows, identifies differences related to late validations, distinguishes acceptable adjustments from those to be challenged, and feeds the amounts to be secured into the dashboards.
Regain control of your cash receipts from consulting and finance
- Quick integration into your existing system
- Adapted to intangible services and long validation cycles
- ROI measurable from the first months
A CashOnTime expert analyzes your context and presents you with a demonstration tailored to your challenges.
FAQ about CashOnTime and consulting and finance
Yes. The solution is designed for environments where the value delivered is based on expertise and time spent.
Yes. Actions are targeted and triggered at the right time without aggressive automation.
Yes. Total payments are automatically reconciled, even without detailed references.
Yes. Differences are qualified and tracked to limit silent losses.
Yes. Possible integration with the major invoicing tools, CRMs, and ERPs on the market.
