Bayberry Associates is a full-service consulting firm offering practical solutions in all areas of cash and treasury management. Our cash and treasury services include both traditional management tools and electronic commerce (e-commerce) management tools. Our e-commerce tools include services offered by CHEXpedite (a registered trademark of NBDS). We provide exceptional customer service to all businesses regardless of size. We are independent-minded and offer objective and unbiased advice tailored to meet the specific needs and requirements of our clients. We recognize that cash is the lifeblood of a company. While profit is an accounting concept, cash is king! When you run out of cash for whatever reason (either permanently or as a result of a temporary shortfall), your company is in serious trouble. According to the Small Business Administration, four out of five businesses fail in the first two years due to lack of cash flow. If you have any doubts about this statement, just ask any of the dot-com companies that are going out of business every day. You need cash to survive! Our team of treasury professionals has extensive knowledge in all cash and treasury management issues and will help you find the right tools to manage your cash as efficiently and as cost effective as possible. The CHEXpedite services (which we have the proprietary right to offer) are electronic payment solutions that improve and smooth-out cash flow and increase productivity while reducing overhead expenses. This is important as cash flow problems stem from the high transaction cost of doing business. In fact, one of the many CHEXpedite products is even totally free to the user, thereby eliminating all transaction costs. Come and see how we can help you.