With over two decades of event experience, Malu Sevieri closely saw the challenges of keeping a company alive in the midst of crises – such as pandemic – and decided to transform Emme Brazil’s financial management. CEO of the company that organizes industrial fairs in Brazil and abroad, Malu found in XP companies an ally to make the cashier more profitable and efficient, respecting the particularities of his business.
Malu’s approach with XP started personally when he had his son, now 6 years old, and decided to invest in a private pension plan for the boy to use in the future. But it was during an XP event, a while later, she discovered the possibility of opening an account to companies and decided to apply to the CNPJ the same “exercise” of saving money and investing already applied to the CPF.
The challenge was clear: his company, whose cash flow varies according to event cycles, needed planning to cross periods of great expense – and even no revenues, as occurred during the pandemic.
“We work with monthly receipts and has three, four months when the expenditure peak is very large, because we have to pay the suppliers all at once. Having this planning is fundamental to the financial health of the company,” says the executive.
This is how, with the help of the XP Empresa team, Malu structured a diverse wallet, with short, medium and long term applications, adapted to the industry dynamics. “Today, 40% of funds are in pre-fixed investments, 30% in post-fixed and the other 30% in very short-term applications,” he details. So when you need it, it can make partial redemption of the money invested rapidly and without prejudice to use as needed.
For her, the secret is in the discipline, since there are times when money ends up standing in the bill for a while and, in others, is quickly used. With the support of XP Enterprises, Emme Brasil Caixa gained resilience and profitability – and Malu, tranquility.
“The most important thing is to have an internal economy of the company that is healthy to hold your business for some turns. I need to sleep at night knowing that if all goes wrong, the company holds for at least a year,” he points out.
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In Vivian Sesto’s assessment, head of commercial actions of XP Empresa, the platform’s differential is in the service proposal provided, which aims to democratize access to financial solutions, previously restricted to large companies.
“Our goal is to connect the customer and warn them about the risks they may be at, offering guidance and financial solutions that help protect, give liquidity and consequently monetize the cashier,” he says.
The idea is that companies like Emme Brasil can turn cash into a strategic asset, not just a reserve fund. Therefore, XP Empresas works with a consultative and personalized approach, regardless of the size or sector of the company served.
Vivian explains that the focus is to prevent the client company depends on credit due to lack of planning – and recalls that good cash management reduces the need for indebtedness, which, with high interest rates, can make the business unfeasible.
This logic connects directly to Malu’s experience, which opted for organized investments to ensure liquidity without compromising your business.
In addition, Vivian highlights the role of close and continuous advice, with close and regionalized service. Each client is accompanied by an advisor who acts as a strategic partner.
Another point emphasized by the XP Empresa expert is the opportunity cost. According to her, many companies fail to monetize cash due to lack of information or guidance, leaving money standing in inefficient applications or current account – which turns out to be a waste. “Many companies struggle to grow 5%, 6% or 7% per year, while they could make cash in reserve surrender close to 15%, taking advantage of the high Selic,” he exemplifies.
For her, structuring an efficient cash policy is essential not only to grow, but also to protect the unforeseen business – such as those Malu faced in the pandemic.
“Management is the way for efficient, profitable, safe cash that protects the company from risk, unpredictability or even access to credit. After all, companies that are healthier, especially with open banking and open financial, will be able to take resources at a more interesting price,” adds Vivian.
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