Unmanaged payables are a hidden cash flow risk.
Late payments damage vendor relationships. Early payments drain cash unnecessarily. Duplicate payments go unnoticed. Without a structured AP function, you're making spending decisions without knowing your true cash obligations.
Invoice Processing
Vendor invoices captured, coded, and approved — with a clear audit trail for every payment.
Payment Scheduling
Payments timed to optimize cash flow — not too early, not late enough to damage relationships.
Vendor Reconciliation
Vendor statements reconciled against your books — no duplicate payments, no missing invoices.
AP Aging & Cash Visibility
Weekly AP aging report so you always know what's owed and what that means for your cash position.
Full-cycle payables management.
Invoice Capture & Coding
All vendor invoices captured, coded to the correct expense category, and matched against POs where applicable.
Approval Workflow
Structured approval process so payments are authorized before they go out — no unauthorized spend.
Payment Processing
Payments processed on schedule — ACH, check, or wire — with confirmation and reconciliation for every transaction.
Vendor Statement Reconciliation
Vendor accounts reconciled monthly — discrepancies identified and resolved before they compound.
AP Aging Report
Weekly visibility into what's outstanding, by vendor and by age — so you're never surprised by a past-due balance.
1099 Preparation Support
Vendor data maintained accurately throughout the year — so 1099 filing is straightforward, not a scramble.
Duplicate & Fraud Prevention
Every invoice checked for duplicates and anomalies before payment — protecting your cash from errors and unauthorized charges.
Cash Disbursement Reporting
Monthly summary of all payments made by vendor, category, and method — full visibility into where cash is going.
What unmanaged AP actually costs.
Late payments damaging vendor relationships
Missing payment deadlines because AP is managed in someone's inbox. Vendor relationships suffer and early payment discounts get left on the table.
No visibility into cash obligations
You don't know what's due this week, next week, or next month. Cash planning is impossible without AP visibility.
Duplicate payments and errors
AP managed manually means duplicate payments, missed credits, and invoices that never get matched to POs.
Expenses coded wrong
Vendor invoices coded to the wrong accounts. Your P&L is distorted and your expense reporting is unreliable.
AP that protects cash and vendor relationships.
AP Audit
We review your current vendor list, payment terms, and AP workflow. You get a clear picture of where cash is leaking and where relationships are at risk.
Process Build
We implement a systematic AP workflow — invoice capture, three-way matching, approval routing, and payment scheduling. Nothing gets paid without proper approval.
Ongoing Management
Weekly payment runs, vendor reconciliation, and monthly AP aging. You always know exactly what's owed and when it's due.
What TMA delivers.
Frequently asked questions.
Do you have access to our bank account to make payments?
No. We prepare and schedule payments for your approval — you retain full control over what gets paid and when. We never have direct access to your bank accounts.
How do you handle expense reports?
We process expense reports as part of the AP workflow — reviewing for policy compliance, coding to the correct accounts, and reconciling against corporate card statements.
Can you help us capture early payment discounts?
Yes. We track payment terms for all vendors and flag early payment discount opportunities as part of the weekly payment run.
Take control of what you owe.
Book a discovery call and we'll show you exactly how TMA would structure your AP function.