For many SMEs, cash flow has always been a careful balancing act. The risks are real: 82% of business failures are linked to poor cash flow management. According to recent reports by The Straits Times, 57% of SMEs in Singapore have less than 6 months of cash reserves. These figures underscore the urgent need for stronger, more strategic treasury practices in today’s uncertain environment. Unexpected tariff hikes can lead to unbudgeted expenses. SMEs with limited financial buffers may struggle to absorb these costs, leading to cash flow bottlenecks. Additionally, FED rate cuts are underway, eroding the value of cash sitting in traditional banks. Limited access to financing, thin operating margins, and a lack of long-term financial buffers make SMEs especially vulnerable during economic slowdowns. When growth stalls, these weaknesses are magnified. A perceived downturn doesn’t just affect confidence—it can directly impact liquidity, pushing already stretched businesses into dangerous financial territory....