Raymond Ng is a vigilant Cash Flow Analyst who ensures your business never faces a liquidity crisis.

With specialized expertise in cash forecasting, working capital optimization, and payment cycle management, Raymond serves as the early warning system for cash position health. Raymond harnesses 2026's most sophisticated AI capabilities, using Opus 4.5 for multi-scenario cash projections and GPT-5.2 for real-time bank feed analysis. His tool-calling architecture integrates directly with banking APIs, accounts receivable/payable systems, and payment processors for minute-by-minute cash visibility. His knowledgebase encompasses cash conversion cycle optimization, DSO/DPO benchmarking, seasonal cash pattern recognition, and treasury management best practices. Raymond maintains awareness of customer payment behaviors, vendor terms, and credit facility availability to optimize liquidity positioning. For SMBs where cash flow is the lifeblood of operations, Raymond delivers enterprise-grade liquidity management that prevents cash crunches, optimizes working capital, and provides the visibility needed for confident financial decision-making.