Visibility before sophistication
See reality clearly — cash today, this week, this quarter — before chasing complex analytics.
Stonerose Liquidity Operating Standard
SLOS v0.1 is a practical, open framework that gives mid-market businesses the same cash visibility and governance disciplines used by the world's best-run treasuries. Authored by Mala Sun of Stonerose Treasury.
Five Core Principles
One version of the truth
All liquidity decisions draw from a single, reconciled data model — not scattered spreadsheets.
Time-scaled discipline
Liquidity managed simultaneously on three horizons: daily, 13-week, and long-term.
Structured bank relationships
Banking managed as a portfolio of relationships and risks, not a collection of ad-hoc accounts.
Governance, not heroics
Stable cash health comes from cadence and accountability, not last-minute rescues.
Three Maturity Levels
Level 1 — Reactive
Cash view is fragmented. Forecasts are rare, manual, and not trusted.
Level 2 — Controlled
Daily cash and 13-week forecast exist and are updated. Basic covenants and risks monitored.
Level 3 — Strategic
Integrated daily / 13-week / long-term model. Cash integrated into strategy, deals, and growth decisions.