Daily Cash Position

The daily cash position dashboard provides a real-time snapshot of the fund's total liquidity. The position is calculated from the cash.account table, which maintains running balances updated with every posted transaction.

The dashboard displays four primary metrics:

Retrieve the current cash position via the position endpoint:

GET /api/v1/cash/position

Response:
{
  "totalBalance": 2705000.00,
  "totalAvailable": 2580000.00,
  "totalAccounts": 4,
  "activeAccounts": 3
}

This endpoint aggregates balances across all accounts in a single query. Access is logged to the immutable audit trail as a READ event on the CASH_POSITION entity, since this is sensitive financial data.

Per-Account Detail

For a breakdown by individual account, use the accounts list endpoint:

GET /api/v1/cash/accounts

Response:
{
  "accounts": [
    {
      "account_id": "uuid-1",
      "account_number": "****4521",
      "account_name": "Operating Checking",
      "bank_name": "First National Bank",
      "account_type": "CHECKING",
      "status": "ACTIVE",
      "current_balance": "1850000.00",
      "available_balance": "1780000.00",
      "created_at": "2025-01-15T00:00:00Z"
    },
    {
      "account_id": "uuid-2",
      "account_number": "****7890",
      "account_name": "Money Market Reserve",
      "bank_name": "First National Bank",
      "account_type": "MONEY_MARKET",
      "status": "ACTIVE",
      "current_balance": "650000.00",
      "available_balance": "650000.00",
      "created_at": "2025-01-15T00:00:00Z"
    },
    {
      "account_id": "uuid-3",
      "account_number": "****3456",
      "account_name": "Reserve Fund",
      "bank_name": "Federal Home Loan Bank",
      "account_type": "SAVINGS",
      "status": "ACTIVE",
      "current_balance": "205000.00",
      "available_balance": "150000.00",
      "created_at": "2025-03-01T00:00:00Z"
    }
  ],
  "count": 3
}

Each cash account maps to a specific General Ledger account code. The account type determines the GL mapping and the operational role of the account:

CEF Core's monitoring module (/api/v1/monitoring) can be configured to alert treasury staff when cash balances fall below defined thresholds:

Low Balance Thresholds

Projected Disbursements

The cash position dashboard factors in known upcoming obligations to help treasury staff plan ahead:

• Scheduled loan fundings: Approved loans with upcoming disbursement dates
• Note redemptions: Notes maturing within the next 30 days
• Interest payments: Quarterly or monthly interest payable to note holders
• Escrow payments: Property tax and insurance premiums due from escrow accounts
• Approved pending disbursements: Items in the maker-checker approval queue that have been approved but not yet executed

Treasury staff should perform a daily cash position review as part of the morning operational routine:

1. Check the cash position dashboard: Review total balance and available balance across all accounts via GET /api/v1/cash/position or the web dashboard at /cash/.
2. Review overnight bank feed imports: The importBankActivity job runs at 2:05 AM UTC. Check for any bank-initiated transactions (fees, returned items, interest credits) that need to be recorded.
3. Assess today's projected disbursements: Review the approval queue for pending disbursements and compare against available balance.
4. Verify unreconciled transaction count: A growing backlog of unreconciled transactions may indicate missed entries or data quality issues.
5. Transfer funds if needed: If the operating checking balance is low relative to projected disbursements, initiate a transfer from the money market account using a TRANSFER transaction type.

The cash position is derived from several data sources that are updated throughout the day:

• ✓Check position before large disbursements: Always verify available balance via the position endpoint before approving loan fundings or large payments.
• ✓Maintain minimum operating balance: Keep at least 2-3 weeks of projected disbursements in the operating checking account. Use the money market for excess funds to earn interest.
• ✓Do not rely on current_balance alone: The available_balance accounts for holds and pending items. Disbursement decisions should use available_balance to avoid overdrafts.
• ✓Review the position at the same time each day: Consistent daily review at a set time (e.g., 8:00 AM local) establishes a reliable operational rhythm and catches issues early.
• ✓Configure alert thresholds conservatively: Set warning thresholds high enough to provide several days of lead time for corrective action. It is better to over-alert than to discover a shortfall when a disbursement fails.

Common Issues: