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With a writing history at VICE ASIA, Letterboxd, Whiteboard Journal and other reputable organisations, Bintang leverages their broad range of experiences to resources that educate audiences, build trust, and support business growth.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fbintanglestada\u002F","Writer","bintang-lestada",[1173,1183,1191,1199,1207,1215,1223,1233,1241,1249,1257,1265,1273,1281,1289,1308,1316,1324,1333,1341,1349,1357,1365,1373,1381,1389,1397,1405,1413,1421,1429,1437,1445,1453,1475,1483,1491,1499,1507,1522,1530,1538,1546,1554,1569,1577,1585,1593,1601,1613,1625,1637,1649,1672,1691,1699,1707,1715,1723,1731,1739,1747,1755,1763,1771,1779,1787,1795,1803,1811,1819,1827,1835,1843,1851,2017,2029,2037,2238,2246,2254,2262,2270,2278,2286,2294,2302,2310,2318,2326,2334,2342],{"_key":1174,"_type":143,"children":1175,"markDefs":1181,"style":1182},"k3",[1176],{"_key":1177,"_type":147,"marks":1178,"text":1180},"k2",[1179],"strong","What is liquidity",[],"h2",{"_key":1184,"_type":143,"children":1185,"markDefs":1190,"style":164},"k7",[1186],{"_key":1187,"_type":147,"marks":1188,"text":1189},"k6",[],"Liquidity meaning is the ability of a business or individual to quickly sell assets for cash without the value of the assets being greatly reduced.",[],{"_key":1192,"_type":143,"children":1193,"markDefs":1198,"style":164},"k11",[1194],{"_key":1195,"_type":147,"marks":1196,"text":1197},"k10",[],"The most liquid asset is cash since you can use it right away. 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This gives you the false idea that the business is growing and reaping benefits in the long run, but eventually makes it difficult to meet day-to-day expenditures that need immediate funds.",[],{"_key":1282,"_type":143,"children":1283,"markDefs":1288,"style":164},"k55",[1284],{"_key":1285,"_type":147,"marks":1286,"text":1287},"k54",[],"In fact, it is possible for a business to experience strong sales with healthy profits and still have cash flow troubles. For instance, For example, a business may have strong sales and good profits on paper, but still face cash flow problems if customers delay payments while the company needs to pay suppliers, buy inventory, and cover salaries.",[],{"_key":1290,"_type":143,"children":1291,"markDefs":1305,"style":164},"k64",[1292,1296,1301],{"_key":1293,"_type":147,"marks":1294,"text":1295},"k61",[],"A ",{"_key":1297,"_type":147,"marks":1298,"text":1300},"k62",[1299],"k57","multi-currency business account",{"_key":1302,"_type":147,"marks":1303,"text":1304},"k63",[]," can be used by businesses with international operations to facilitate access to funds in various markets, as well as to avoid shortfalls and delays found in cross-border transactions.",[1306],{"_key":1299,"_type":161,"externalUrl":1307,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fbusiness-account",{"_key":1309,"_type":143,"children":1310,"markDefs":1315,"style":1182},"k68",[1311],{"_key":1312,"_type":147,"marks":1313,"text":1314},"k67",[1179],"Types of liquidity",[],{"_key":1317,"_type":143,"children":1318,"markDefs":1323,"style":164},"k72",[1319],{"_key":1320,"_type":147,"marks":1321,"text":1322},"k71",[],"There are two approaches to assessing liquidity in a business.",[],{"_key":1325,"_type":143,"children":1326,"markDefs":1331,"style":1332},"k76",[1327],{"_key":1328,"_type":147,"marks":1329,"text":1330},"k75",[1179],"Accounting Liquidity",[],"h3",{"_key":1334,"_type":143,"children":1335,"markDefs":1340,"style":164},"k80",[1336],{"_key":1337,"_type":147,"marks":1338,"text":1339},"k79",[],"Accounting liquidity refers to a company's ability to settle its short-term debts with current assets. 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There are many investors looking to buy and sell the stock, so trades happen quickly and prices stay stable.",[],{"_key":1406,"_type":143,"children":1407,"markDefs":1412,"style":164},"k116",[1408],{"_key":1409,"_type":147,"marks":1410,"text":1411},"k115",[],"On the contrary, assets like real estate, equipment, and private investments tend to be less liquid than other assets due to the longer time required to sell them.",[],{"_key":1414,"_type":143,"children":1415,"markDefs":1420,"style":164},"k120",[1416],{"_key":1417,"_type":147,"marks":1418,"text":1419},"k119",[],"Market liquidity can also affect foreign exchange trading, investment, and treasury management decisions for global businesses since the ability to move money quickly, without slippage, can be just as important as the returns themselves.",[],{"_key":1422,"_type":143,"children":1423,"markDefs":1428,"style":1182},"k124",[1424],{"_key":1425,"_type":147,"marks":1426,"text":1427},"k123",[1179],"How liquidity is measured",[],{"_key":1430,"_type":143,"children":1431,"markDefs":1436,"style":164},"k128",[1432],{"_key":1433,"_type":147,"marks":1434,"text":1435},"k127",[],"Financial ratios that measure liquidity, such as current assets against short-term liabilities, are often used to determine a company's liquidity. The following ratios help businesses determine how to handle future financial requirements:",[],{"_key":1438,"_type":143,"children":1439,"markDefs":1444,"style":1332},"k132",[1440],{"_key":1441,"_type":147,"marks":1442,"text":1443},"k131",[1179],"Current Ratio",[],{"_key":1446,"_type":143,"children":1447,"markDefs":1452,"style":164},"k136",[1448],{"_key":1449,"_type":147,"marks":1450,"text":1451},"k135",[],"The current ratio is a ratio of current assets to current liabilities.",[],{"_key":1454,"_type":1455,"columnHeaders":1456,"hasColumnTitles":602,"hasRowTitles":119,"rows":1461},"k137","richTableBlock",[1457],{"_key":1458,"_type":1459,"cellIndex":1460},"k1","columnHeader",0,[1462],{"_key":1177,"_type":1463,"cells":1464},"row",[1465],{"_key":1174,"_type":1466,"content":1467},"richTableCell",[1468],{"_key":1469,"_type":143,"children":1470,"markDefs":1474,"style":164},"k8",[1471],{"_key":1184,"_type":147,"marks":1472,"text":1473},[1179],"Current Ratio = Current Assets \u002F Current Liabilities",[],{"_key":1476,"_type":143,"children":1477,"markDefs":1482,"style":164},"k141",[1478],{"_key":1479,"_type":147,"marks":1480,"text":1481},"k140",[],"A current ratio above 1 generally indicates that a business has more current assets than short-term liabilities. 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Its significance depends on factors such as the industry's typical benchmarks, how quickly receivables can be collected, and whether inventory can be converted into cash efficiently.",[],{"_key":1484,"_type":143,"children":1485,"markDefs":1490,"style":164},"k145",[1486],{"_key":1487,"_type":147,"marks":1488,"text":1489},"k144",[],"Many businesses aim for a current ratio between 1.5 and 2.0 as a rough benchmark, although ideal benchmarks vary by industry.",[],{"_key":1492,"_type":143,"children":1493,"markDefs":1498,"style":1332},"k149",[1494],{"_key":1495,"_type":147,"marks":1496,"text":1497},"k148",[1179],"Quick Ratio",[],{"_key":1500,"_type":143,"children":1501,"markDefs":1506,"style":164},"k153",[1502],{"_key":1503,"_type":147,"marks":1504,"text":1505},"k152",[],"Quick ratio is a more stringent measure of liquidity because it does not include inventory.",[],{"_key":1508,"_type":1455,"columnHeaders":1509,"hasColumnTitles":602,"hasRowTitles":119,"rows":1511},"k154",[1510],{"_key":1458,"_type":1459,"cellIndex":1460},[1512],{"_key":1177,"_type":1463,"cells":1513},[1514],{"_key":1174,"_type":1466,"content":1515},[1516],{"_key":1469,"_type":143,"children":1517,"markDefs":1521,"style":164},[1518],{"_key":1184,"_type":147,"marks":1519,"text":1520},[1179],"Quick Ratio = (Current Assets – Inventory) \u002F Current Liabilities",[],{"_key":1523,"_type":143,"children":1524,"markDefs":1529,"style":164},"k158",[1525],{"_key":1526,"_type":147,"marks":1527,"text":1528},"k157",[],"Current Assets – Inventory: This accounts for the business's most liquid assets, like cash, marketable securities, and receivables, by excluding inventory, which can take longer to convert into cash.Current Liabilities: It represents the current obligations of the business that are due for settlement in the next 12 months.",[],{"_key":1531,"_type":143,"children":1532,"markDefs":1537,"style":164},"k162",[1533],{"_key":1534,"_type":147,"marks":1535,"text":1536},"k161",[],"This ratio will be a better measure of a company's near-term financial condition since it reflects that the inventory will not sell for some time.",[],{"_key":1539,"_type":143,"children":1540,"markDefs":1545,"style":1332},"k166",[1541],{"_key":1542,"_type":147,"marks":1543,"text":1544},"k165",[1179],"Cash Ratio",[],{"_key":1547,"_type":143,"children":1548,"markDefs":1553,"style":164},"k170",[1549],{"_key":1550,"_type":147,"marks":1551,"text":1552},"k169",[],"The most conservative measure of liquidity is the cash ratio.",[],{"_key":1555,"_type":1455,"columnHeaders":1556,"hasColumnTitles":602,"hasRowTitles":119,"rows":1558},"k171",[1557],{"_key":1458,"_type":1459,"cellIndex":1460},[1559],{"_key":1177,"_type":1463,"cells":1560},[1561],{"_key":1174,"_type":1466,"content":1562},[1563],{"_key":1469,"_type":143,"children":1564,"markDefs":1568,"style":164},[1565],{"_key":1184,"_type":147,"marks":1566,"text":1567},[1179],"Cash Ratio = Cash and Cash Equivalents \u002F Current Liabilities",[],{"_key":1570,"_type":143,"children":1571,"markDefs":1576,"style":164},"k175",[1572],{"_key":1573,"_type":147,"marks":1574,"text":1575},"k174",[],"This ratio only considers assets that can be used immediately to meet obligations.",[],{"_key":1578,"_type":143,"children":1579,"markDefs":1584,"style":164},"k179",[1580],{"_key":1581,"_type":147,"marks":1582,"text":1583},"k178",[],"Businesses don't have to have very high cash ratios, but this is a great indicator of short-term financial preparedness.",[],{"_key":1586,"_type":143,"children":1587,"markDefs":1592,"style":1182},"k183",[1588],{"_key":1589,"_type":147,"marks":1590,"text":1591},"k182",[1179],"Common liquidity challenges for growing businesses",[],{"_key":1594,"_type":143,"children":1595,"markDefs":1600,"style":164},"k187",[1596],{"_key":1597,"_type":147,"marks":1598,"text":1599},"k186",[],"Maintaining strong liquidity demands consistent effort and monitoring. 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Always compare to other sections in your sector and not to any particular number.",[],{"_key":2287,"_type":143,"children":2288,"markDefs":2293,"style":1332},"k353",[2289],{"_key":2290,"_type":147,"marks":2291,"text":2292},"k352",[],"Can a business be profitable but still face liquidity problems?",[],{"_key":2295,"_type":143,"children":2296,"markDefs":2301,"style":164},"k357",[2297],{"_key":2298,"_type":147,"marks":2299,"text":2300},"k356",[],"There are many start-ups that look great on the bottom line, but aren't doing very well with cash, since money is stuck in unpaid invoices, too much inventory, or long payment cycles.",[],{"_key":2303,"_type":143,"children":2304,"markDefs":2309,"style":1332},"k361",[2305],{"_key":2306,"_type":147,"marks":2307,"text":2308},"k360",[],"What is the difference between liquidity and solvency?",[],{"_key":2311,"_type":143,"children":2312,"markDefs":2317,"style":164},"k365",[2313],{"_key":2314,"_type":147,"marks":2315,"text":2316},"k364",[],"Liquidity addresses short-term needs, specifically whether a business can meet immediate payments. In contrast, solvency is a long-term concern regarding the ability to settle all debts over several years while remaining viable. While both are essential, liquidity issues often surface first, necessitating difficult decisions.",[],{"_key":2319,"_type":143,"children":2320,"markDefs":2325,"style":1332},"k369",[2321],{"_key":2322,"_type":147,"marks":2323,"text":2324},"k368",[],"How does liquidity differ for global vs. domestic businesses?",[],{"_key":2327,"_type":143,"children":2328,"markDefs":2333,"style":164},"k373",[2329],{"_key":2330,"_type":147,"marks":2331,"text":2332},"k372",[],"Foreign exchange (FX) volatility, cross-border transfer delays, multi-currency compliance, and different payment terms plague global operations. When expanding overseas, tools providing local accounts, fast overseas payments, and real-time visibility are essential to keeping liquidity high.",[],{"_key":2335,"_type":143,"children":2336,"markDefs":2341,"style":1332},"k377",[2337],{"_key":2338,"_type":147,"marks":2339,"text":2340},"k376",[],"How can fintech solutions improve business liquidity?",[],{"_key":2343,"_type":143,"children":2344,"markDefs":2349,"style":164},"k381",[2345],{"_key":2346,"_type":147,"marks":2347,"text":2348},"k380",[],"Modern fintech platforms support businesses with real-time cash flow visibility, multi-currency accounts to minimize FX losses, treasury solutions that generate yields on idle cash, automated invoicing, and cross-border payments that are seamless.",[],{"slug":1135,"title":1136},{"_type":839,"alternativeText":2352,"height":1126,"url":2353,"width":1128},"What is liquidity? Definition, types, and why it matters for businesses","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F1b59b3054d964d4702e5e51c55933c03\u002Fshared_cover_1b59b305.jpeg",[2355,2361,2367,2373,2379],{"_key":1177,"_type":143,"children":2356,"level":1230,"listItem":1231,"markDefs":2360,"style":164},[2357],{"_key":1458,"_type":147,"marks":2358,"text":2359},[],"Liquidity measures how quickly a business can access cash to meet short-term obligations",[],{"_key":1866,"_type":143,"children":2362,"level":1230,"listItem":1231,"markDefs":2366,"style":164},[2363],{"_key":1863,"_type":147,"marks":2364,"text":2365},[],"Strong liquidity supports business stability, growth, and financial flexibility",[],{"_key":1469,"_type":143,"children":2368,"level":1230,"listItem":1231,"markDefs":2372,"style":164},[2369],{"_key":1184,"_type":147,"marks":2370,"text":2371},[],"The main types are accounting liquidity and market liquidity",[],{"_key":1192,"_type":143,"children":2374,"level":1230,"listItem":1231,"markDefs":2378,"style":164},[2375],{"_key":1195,"_type":147,"marks":2376,"text":2377},[],"Current ratio, quick ratio, and cash ratio are common liquidity metrics",[],{"_key":1203,"_type":143,"children":2380,"level":1230,"listItem":1231,"markDefs":2385,"style":164},[2381],{"_key":2382,"_type":147,"marks":2383,"text":2384},"k13",[],"Effective liquidity management helps businesses scale with confidenc",[],[2387,2393,2399],{"_key":1177,"_type":143,"children":2388,"markDefs":2392,"style":164},[2389],{"_key":1458,"_type":147,"marks":2390,"text":2391},[],"Liquidity shows how easily a business can pay its short-term debts without straining everyday operations.",[],{"_key":1866,"_type":143,"children":2394,"markDefs":2398,"style":164},[2395],{"_key":1863,"_type":147,"marks":2396,"text":2397},[],"Good liquidity positions firms to pay their employees, suppliers, operating expenses, as well as unforeseen costs in a timely fashion. It also provides companies with the flexibility of capitalizing on new growth opportunities when they arise.",[],{"_key":1469,"_type":143,"children":2400,"markDefs":2404,"style":164},[2401],{"_key":1184,"_type":147,"marks":2402,"text":2403},[],"By grasping the concept of liquidity, its measurement, and management, businesses can ensure seamless operations and foster sustainable growth.",[],"2026-08-05T06:54:57.087Z",{"_type":122,"metaDescription":2407,"metaTitle":2408,"socialShareImageUrl":2409},"Learn what liquidity is, how it's measured, and why it matters for business growth and financial stability.","What is liquidity and why it matters for businesses",{"_type":839,"alternativeText":2352,"height":1126,"url":2353,"width":1128},"liquidity-explained",1790850639207]