AVI Business Solutions

Working Capital Velocity: Cash Flow, Treasury, SMB 2026 As we move deeper into the 4th-quarter execution cycle, our strategic tactical masterclass focuses on cash conversion cycles, operating margins, credit facility structure, and leadership discipline around profitability. As middle-market businesses across specialist manufacturing, commercial logistics, healthcare services, regional contracting, and B2B distribution continue to navigate the economic waters of late 2026, the key is mastering the engine of daily commercial survival: Working Capital Conversion Velocity and Treasury Sovereignty. To immediately improve cash flow velocity, the executive team needs to: 1) go through their current cash conversion cycles, 2) identify the accounts that are dragging the cycle out, 3) put in place automated invoice and collection processes,es and 4) have a conversation with the key vendors about early payment discounts and more flexible payment terms. That's how you quickly...

Economic Conditions, Inflation, and Macroeconomic Instability As 2026 ends, economic stress is once again the primary concern for business leaders, risk professionals, and families worldwide. Persistent inflation, tariff-driven cost increases, a cooling labor market, energy shocks from geopolitical conflict, and uncertainty over AI investment have contributed to significant macroeconomic instability. Multiple large surveys this year have economic risk at the top of the corporate agenda, even as broader forecasts still point to modest global GDP growth of around 3% into 2027, with significant downside risk. Survey Consensus: Economic Risk Ranks Near the Top Executives view the current economic environment as a major concern, as evidenced by several key 2026 surveys. The NC State University Enterprise Risk Management Initiative, in partnership with Protiviti, found that executives rank economic conditions (including price inflation) among their top near-term concerns. M...

Working Capital, Cash Flow, Treasury Solutions for SMBs As we move deep into the 4th-quarter execution cycle, our strategic tactical masterclass focuses on the cash conversion cycle, operating margins, the structure of our credit facility, and leadership discipline around profitability. That's the reality for the middle market across specialty manufacturing, commercial logistics, healthcare services, regional contracting, and B2B distribution as they navigate the late-2026 economic landscape. The engine of daily commercial survival is Working Capital Conversion Velocity and Treasury Sovereignty. To translate strategy into action immediately, SMB executives can: Review outstanding receivables and prioritize high-value collections this week Negotiate with key suppliers for early-payment discounts or more flexible terms Initiate a rolling cash flow forecast to spot potential shortfalls before they become urgent Take those practical steps, and you'll build momentum and lay t...

Risks from AI Implementation and Scaling: Opportunity Meets Operational Reality Risks from AI Implementation and Scaling: Opportunity Meets Operational Reality AI has become one of modern business's defining paradoxes. It's a major strategic opportunity and, at the same time, a rapidly growing source of enterprise risk. Investment in AI is massive, yet an ever-growing body of evidence shows that implementing and scaling AI brings a raft of new, complex, interlinked risks. In the NC State University and Protiviti Executive Perspectives on Top Risks survey for 2027, the 'emergence of new risks from the implementation of AI' was the second biggest near-term concern for boards and C-suite executives (only cyber risk was higher). It moved up from 6th the previous year and 10th the year before that, and it is the only risk ranked 2nd across all organization sizes. Allianz's Risk Barometer 2026 saw the largest single move in any risk category,...

Working Capital Optimization Strategies for SMBs: Boosting Cash Flow and Treasury Resilience Working Capital Optimization Strategies for SMBs: Boosting Cash Flow and Treasury Resilience As we move deeper into the 4Q execution cycle, our strategic tactical masterclass continues with themes of cash conversion cycles, operating margins, credit facility structure, and leadership profitability discipline. As the middle market across specialist manufacturing, commercial logistics, healthcare services, regional contracting, and B2B distribution all continue to operate in the very active economic environment of late 2026, leadership needs to have a mastery of the engine of daily commercial survival: Working Capital Conversion Velocity and Treasury Sovereignty  Q4 2026, the middle market ($10M to $1B revenue) is a world where cash management is the single most important factor for corporate survival. The economy is moving so fast that extended corporate payment...

Cybersecurity and Systemic Cyber Risk: The Defining Business Challenge Heading into 2027 As businesses plan their 2027 strategies and budgets, one risk consistently ranks highest: cyber. That's what several independent surveys of executives, risk officers, and board members find. The NC State ERM Initiative and Protiviti's 2027 Executive Perspectives on Top Risks survey (which surveyed 1,330 board members and C-suite executives globally) rank cyber risk as the top near-term risk.  Allianz Commercial's Risk Barometer (based on responses from 3,338 risk professionals in 97 countries) ranks cyber incidents first for the fifth year in a row, with a record 42% of responses (10pp ahead of the next risk and the highest ever in the category). It's number one in every region and across all company sizes (large, mid and small). KPMG's 2026 Global CEO Outlook finds that 31% of CEOs identify cyber and data security as the biggest threat to growth, and 45% plan to in...