[{"data":1,"prerenderedAt":2770},["ShallowReactive",2],{"de-blog/liquiditatsplanung-cash-management":3,"de-global-content":491,"de-article-global-content":1809,"de-blog-article-more-articles-214315736":2069},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":478,"full_slug":479,"sort_by_date":26,"position":480,"tag_list":481,"is_startpage":29,"parent_id":482,"meta_data":26,"group_id":483,"first_published_at":484,"release_id":26,"lang":33,"path":26,"alternates":485,"default_full_slug":486,"translated_slugs":487},"Liquiditätsplanung & Cash Management: so geht’s","2022-11-03T20:35:17.425Z","2026-09-29T09:46:56.675Z","2026-09-29T09:46:56.697Z",214315736,"dbb0a877-d4c8-4cb5-b1b6-c2d2fc18b30a",{"_uid":11,"roles":12,"title":4,"author":43,"topics":100,"content":101,"category":361,"language":387,"component":374,"heroMedia":388,"sidebarCta":395,"publishedAt":396,"readingTime":397,"redirectUrl":23,"listingImage":398,"metaDescription":399,"componentsAfterTheArticle":400},"ab271a32-8cf0-4cef-b46c-f245ab1f925f",[13],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":24,"full_slug":25,"sort_by_date":26,"position":27,"tag_list":28,"is_startpage":29,"parent_id":30,"meta_data":26,"group_id":31,"first_published_at":32,"release_id":26,"lang":33,"path":26,"alternates":34,"default_full_slug":35,"translated_slugs":36,"_stopResolving":42},"Treasurer","2024-11-14T16:28:49.038Z","2026-03-12T10:47:18.012Z","2026-03-12T10:48:04.029Z",579108344,"7fc81bb7-67b3-471b-b326-38b511ad5345",{"_uid":21,"name":14,"component":22,"hubspotId":23},"fe9819d0-b5da-4a13-9120-3050ce8baea9","tag","","treasurer","de/blog/role/treasurer",null,-20,[],false,190903385,"a6ceaa59-c9cd-4d99-8a43-7e2b2d1f03c5","2024-11-14T16:29:38.335Z","de",[],"blog/role/treasurer",[37,39,40],{"path":35,"name":26,"lang":38,"published":26},"fr",{"path":35,"name":26,"lang":33,"published":26},{"path":35,"name":26,"lang":41,"published":26},"es",true,{"name":44,"created_at":45,"published_at":46,"updated_at":47,"id":48,"uuid":49,"content":50,"slug":87,"full_slug":88,"sort_by_date":26,"position":89,"tag_list":90,"is_startpage":29,"parent_id":91,"meta_data":26,"group_id":92,"first_published_at":93,"release_id":26,"lang":33,"path":26,"alternates":94,"default_full_slug":95,"translated_slugs":96,"_stopResolving":42},"Nina Meyer","2022-10-19T17:37:31.039Z","2026-09-29T08:35:16.751Z","2026-09-29T08:35:16.768Z",206165103,"e2ed251c-9c24-4775-afdf-4d09b68d80e8",{"seo":51,"_uid":59,"name":44,"links":60,"picture":73,"lastName":75,"component":76,"firstName":77,"description":78},[52],{"_uid":53,"noIndex":29,"component":54,"metaFields":55},"160a22d3-f4ae-4b84-aaf5-fa007efcbc5b","seo",{"_uid":56,"title":57,"plugin":58},"6f22881f-8a31-43fc-a606-7e10b5550719","Nina Meyer | Spendesk","meta-fields","89f0f0a6-fc82-48a3-8054-e58c32b42f44",[61],{"tag":23,"_uid":62,"icon":63,"link":67,"type":23,"label":23,"style":71,"component":72,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"9c4580ca-ff0b-4a12-b659-be46ef7acc73",{"id":64,"alt":23,"name":23,"focus":23,"title":23,"filename":65,"copyright":23,"fieldtype":66,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{"id":23,"url":68,"linktype":69,"fieldtype":70,"cached_url":68},"https://www.linkedin.com/in/nina-meyer-197a51112/","url","multilink","primary","cta",{"alt":74,"name":23,"focus":23,"title":23,"filename":74,"copyright":23,"fieldtype":66,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/1daa98b3f2/profilphoto-20slack.jpg","Meyer","author","Nina",{"type":79,"content":80},"doc",[81],{"type":82,"content":83},"paragraph",[84],{"text":85,"type":86},"Nina Meyer ist Product Marketing Manager bei Spendesk. Sie hat an der Sorbonne deutsch-französisches Marketing studiert und lebt seit 10 Jahren in Paris.","text","nina-meyer","de/blog/author/nina-meyer",-390,[],176408854,"fdf5326b-a851-4b05-ba93-4dfd53539243","2022-11-02T15:26:00.557Z",[],"blog/author/nina-meyer",[97,98,99],{"path":95,"name":26,"lang":38,"published":26},{"path":95,"name":26,"lang":33,"published":26},{"path":95,"name":26,"lang":41,"published":26},[],{"type":79,"content":102},[103,114,125,132,148,152,157,176,192,197,201,220,224,236,252,257,268,294,306,324,336,354],{"type":82,"content":104},[105,107,112],{"text":106,"type":86},"Das Thema ",{"text":108,"type":86,"marks":109},"Liquiditätsplanung",[110],{"type":111},"bold",{"text":113,"type":86}," ist nicht nur in Krisenzeiten eine Priorität für Finanzteams. Doch wenn die Umsätze stark einbrechen, und unklar ist, wie viel in Zukunft eingenommen werden kann, ist es umso schwieriger, für die kommenden Monate oder das nächste Jahr zu planen.",{"type":82,"content":115},[116],{"type":117,"attrs":118},"blok",{"id":119,"body":120},"38cba76e-8fd8-4741-8fbc-bdec9df7c33d",[121],{"_uid":122,"html":123,"component":124},"995827d4-4394-4f1f-8f74-de9f9a0f1709","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-069ee0a9-bf66-499a-b50d-73e3291310e0\">\u003Cspan class=\"hs-cta-node hs-cta-069ee0a9-bf66-499a-b50d-73e3291310e0\" id=\"hs-cta-069ee0a9-bf66-499a-b50d-73e3291310e0\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/069ee0a9-bf66-499a-b50d-73e3291310e0\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-069ee0a9-bf66-499a-b50d-73e3291310e0\" style=\"border-width:0px;\" height=\"500\" width=\"1000\" src=\"https://no-cache.hubspot.com/cta/default/2694209/069ee0a9-bf66-499a-b50d-73e3291310e0.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '069ee0a9-bf66-499a-b50d-73e3291310e0', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":126,"attrs":127,"content":129},"heading",{"level":128},3,[130],{"text":131,"type":86},"Doch was versteht man unter Liquiditätsplanung?",{"type":82,"content":133},[134,136,140,142,146],{"text":135,"type":86},"Der ",{"text":137,"type":86,"marks":138},"Liquiditätsplan",[139],{"type":111},{"text":141,"type":86},", auf Englisch “cash forecast”, ist Teil der Finanzplanung in Unternehmen. ",{"text":143,"type":86,"marks":144},"Er umfasst alle Ein-und Auszahlungen innerhalb einer festgelegten unternehmerischen Periode",[145],{"type":111},{"text":147,"type":86},", z.B. sechs oder zwölf Monate. Die Liquiditätsplanung dient dazu, die Zahlungsfähigkeit des Unternehmens sicherzustellen und die verschiedenen Einzahlungen und Auszahlungen zeitgerecht einzuordnen.",{"type":82,"content":149},[150],{"text":151,"type":86},"Das Ziel ist, die Übersicht über ein- und ausgehende Zahlungen zu behalten, mögliche Liquiditätsrisiken frühzeitig aufzudecken und durch geeignete Gegenmaßnahmen zu beseitigen. Das ist gerade in unsicheren Zeiten besonders wichtig.",{"type":126,"attrs":153,"content":154},{"level":128},[155],{"text":156,"type":86},"Konsequentes Cash Management als Erfolgsfaktor",{"type":82,"content":158},[159,161,168,170,174],{"text":160,"type":86},"Die Boston Consulting Group (BCG) hat in einer Studie die sanitäre Krise 2020 mit der Finanzkrise 2009 verglichen, und analysiert, ",{"text":162,"type":86,"marks":163},"warum sich bestimmte Firmen schneller erholt",[164],{"type":165,"attrs":166},"link",{"href":167,"uuid":26,"anchor":26,"target":26,"linktype":69},"https://www.handelsblatt.com/unternehmen/management/bcg-studie-rezepte-fuer-die-post-corona-zeit-schnelles-umschalten-auf-die-naechste-wachstumsphase-/25900790.html?ticket=ST-664341-iccynk71hYCK6qZZpRzE-ap4",{"text":169,"type":86}," haben als andere. Laut BCG-Deutschlandchef Tauber waren dabei neben Sofortmaßnahmen wie Kostensenkung vor allem ",{"text":171,"type":86,"marks":172},"konsequentes Cash Management und strategische Planung",[173],{"type":111},{"text":175,"type":86}," wichtig.",{"type":82,"content":177},[178,180,184,186,190],{"text":179,"type":86},"In diesem Artikel finden Sie daher ",{"text":181,"type":86,"marks":182},"Tipps, Best Practices",[183],{"type":111},{"text":185,"type":86}," und ",{"text":187,"type":86,"marks":188},"nützliche Tools",[189],{"type":111},{"text":191,"type":86},", die Ihnen bei der Liquiditätsplanung helfen können, um gut durch die aktuelle Krise zu kommen.",{"type":126,"attrs":193,"content":194},{"level":128},[195],{"text":196,"type":86},"100% validierte Ausgaben",{"type":82,"content":198},[199],{"text":200,"type":86},"Um zuverlässige Zukunftsprognosen erstellen zu können, müssen Finanzteams zunächst wissen, wie es um die aktuellen Einnahmen und Ausgaben steht. Dazu zählen neben Fixkosten wie Miete und Lohn auch punktuelle Zahlungen von Mitarbeitern, z.B. für Geschäftsessen, Spesen oder Freelancer.",{"type":82,"content":202},[203,205,218],{"text":204,"type":86},"Doch in vielen Firmen gibt es für diese Art von Ausgaben keine klar definierten Prozesse und Richtlinien. Das führt dazu, dass die Mitarbeiter nicht autonom handeln können, lange auf die Freigabe ihrer Ausgaben warten müssen, und das Finanzteam bis zum ",{"text":206,"type":86,"marks":207},"Monatsende",[208],{"type":165,"attrs":209},{"href":210,"uuid":211,"anchor":26,"target":26,"linktype":212,"story":213},"monatsabschluss-checkliste","42c4544b-c345-4c88-af0e-c2d84effc939","story",{"name":214,"id":215,"uuid":211,"slug":210,"url":216,"full_slug":217,"_stopResolving":42},"​​Monatsabschluss in der Buchhaltung – Prozess und Excel-Checkliste",213425172,"blog/monatsabschluss-checkliste","de/blog/monatsabschluss-checkliste",{"text":219,"type":86}," nicht weiß, wer wieviel wofür ausgegeben hat.",{"type":82,"content":221},[222],{"text":223,"type":86},"Das erschwert nicht nur die Planung für die kommenden Monate, auch unangenehme Überraschungen am Monatsende sind nicht ausgeschlossen: ohne klare Prozesse kann nicht sichergestellt werden, dass alle Ausgaben gerechtfertigt waren.",{"type":82,"content":225},[226,228,234],{"text":227,"type":86},"Um die ",{"text":229,"type":86,"marks":230},"Kontrolle über alle Mitarbeiterausgaben",[231],{"type":165,"attrs":232},{"href":233,"uuid":26,"anchor":26,"target":26,"linktype":69},"https://www.spendesk.com/de/platform/spend-controls/",{"text":235,"type":86}," zu behalten, und langfristig Zeit und Geld zu sparen, lohnt es sich, in eine Softwarelösung zur Ausgabenverwaltung zu investieren. Alle Ausgaben laufen zentralisiert in einer Plattform zusammen und die Mitarbeiter wissen dank eines klar geregelten Freigabesystems immer, wer ihre Ausgaben genehmigen muss.",{"type":82,"content":237},[238,240,244,246,250],{"text":239,"type":86},"Für das Finanzteam hat das den Vorteil, dass ",{"text":241,"type":86,"marks":242},"jede Ausgabe",[243],{"type":111},{"text":245,"type":86}," von einem Vorgesetzten validiert wurde und es am Monatsende keine bösen Überraschungen oder Budgetüberschreitungen gibt. Außerdem sieht das Finanzteam ",{"text":247,"type":86,"marks":248},"in Echtzeit",[249],{"type":111},{"text":251,"type":86}," auf einer zentralen Plattform, welche Ausgaben von den verschiedenen Teams und den einzelnen Mitarbeitern getätigt wurden.",{"type":126,"attrs":253,"content":254},{"level":128},[255],{"text":256,"type":86},"Cash Management 2.0 dank Echtzeitdaten",{"type":82,"content":258},[259,261,266],{"text":260,"type":86},"Neben den aktuellen Zahlungen hat das Finanzteam in der Spendesk-Plattform Zugriff auf den ",{"text":262,"type":86,"marks":263},"vollständiger Zahlungsverlauf",[264],{"type":165,"attrs":265},{"href":233,"uuid":26,"anchor":26,"target":26,"linktype":69},{"text":267,"type":86}," der Firma mit allen Anfragen und Freigaben. Diese Informationen sind übersichtlich dargestellt und müssen z.B. für die Budgetplanung und das Forecasting nicht erst in einer Excel-Tabelle gesucht werden.",{"type":82,"content":269},[270,272,284,286,292],{"text":271,"type":86},"Für das Finanzteam ist es somit einfacher, den ",{"text":273,"type":86,"marks":274},"Cash Flow",[275],{"type":165,"attrs":276},{"href":277,"uuid":278,"anchor":26,"target":26,"linktype":212,"story":279},"cashflow-berechnen","28a23131-3466-4ef5-bc3c-d2305bdb8315",{"name":280,"id":281,"uuid":278,"slug":277,"url":282,"full_slug":283,"_stopResolving":42},"Cashflow berechnen: Formeln, Beispiele und gängige Methoden",208802939,"blog/cashflow-berechnen","de/blog/cashflow-berechnen",{"text":285,"type":86}," zu kontrollieren und Ausgaben wie z.B. Lieferantenzahlungen, zu antizipieren. Die zentralisierten Daten erleichtern außerdem ",{"text":287,"type":86,"marks":288},"das Reporting",[289],{"type":165,"attrs":290},{"href":291,"uuid":26,"anchor":26,"target":26,"linktype":69},"https://www.spendesk.com/de/platform/spending-reports/",{"text":293,"type":86}," am Monats- oder Quartalsende.",{"type":82,"content":295},[296,298,304],{"text":297,"type":86},"Übrigens lassen sich alle Daten zu getätigten Ausgaben mit einem Klick in Ihre Buchhaltungssoftware exportieren. ",{"text":299,"type":86,"marks":300},"Für DATEV",[301],{"type":165,"attrs":302},{"href":303,"uuid":26,"anchor":26,"target":26,"linktype":69},"https://www.spendesk.com/de/integrations/spend-management-datev/",{"text":305,"type":86}," geschieht dies über eine native Integration, für andere Softwares sind personalisierbare Exporte möglich. So spart nicht nur das Finanzteam, sondern auch Ihr Steuerberater wertvolle Zeit.",{"type":82,"content":307},[308,310,314,316,322],{"text":309,"type":86},"Doch zurück zur Liquiditätsplanung. Gerade in Krisenzeiten ist es unerlässlich, sich durch ",{"text":311,"type":86,"marks":312},"intelligente Prognosen",[313],{"type":111},{"text":315,"type":86}," bestmöglich auf die Zukunft vorzubereiten. Dabei ist es hilfreich, verschiedene Szenarien zu erstellen. Sie können zum Beispiel simulieren, wie sich Ihr ",{"text":317,"type":86,"marks":318},"Cashflow",[319],{"type":165,"attrs":320},{"href":277,"uuid":278,"anchor":26,"target":26,"linktype":212,"story":321},{"name":280,"id":281,"uuid":278,"slug":277,"url":282,"full_slug":283,"_stopResolving":42},{"text":323,"type":86}," verhält, wenn Sie im Januar ein Darlehen von der Bank erhalten (best case), oder was geschieht, wenn Sie den Kredit nicht erhalten sollten (worst case), und welche Ausgaben daraufhin angepasst werden müssen.",{"type":82,"content":325},[326,328,334],{"text":327,"type":86},"Für die Berechnung dieser Szenarien und die anschauliche Darstellung gibt es ebenfalls Softwarelösungen wie z.B. ",{"text":329,"type":86,"marks":330},"Agicap",[331],{"type":165,"attrs":332},{"href":333,"uuid":26,"anchor":26,"target":26,"linktype":69},"https://agicap.com/de",{"text":335,"type":86},", die sich direkt mit Ihren Bankkonten verknüpfen lassen. So können Sie im Handumdrehen intelligente Prognosen auf kurz-, mittel- und langfristige Sicht erstellen, interne Budgets bei Bedarf schnell anpassen und die volle Kontrolle und Übersicht über alle Aus-und Einnahmen behalten.",{"type":82,"content":337},[338,341,342,346,348,352],{"text":108,"type":86,"marks":339},[340],{"type":111},{"text":185,"type":86},{"text":343,"type":86,"marks":344},"Cash Management",[345],{"type":111},{"text":347,"type":86}," waren auch Thema eines ",{"text":349,"type":86,"marks":350},"Webinars",[351],{"type":111},{"text":353,"type":86}," von Spendesk und Agicap. Für weitere Tipps & Best Practices können Sie sich hier kostenlos die Aufzeichnung des Webinars ansehen.",{"type":82,"content":355},[356],{"type":117,"attrs":357},{"id":119,"body":358},[359],{"_uid":360,"html":123,"component":124},"622fbe05-9003-4625-a301-ac043f761075",{"name":362,"created_at":363,"published_at":16,"updated_at":364,"id":365,"uuid":366,"content":367,"slug":374,"full_slug":375,"sort_by_date":26,"position":376,"tag_list":377,"is_startpage":29,"parent_id":378,"meta_data":26,"group_id":379,"first_published_at":380,"release_id":26,"lang":33,"path":26,"alternates":381,"default_full_slug":382,"translated_slugs":383,"_stopResolving":42},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":368,"icon":369,"name":362,"component":373},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":370,"alt":371,"name":23,"focus":23,"title":23,"filename":372,"copyright":23,"fieldtype":66,"is_external_url":29},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","de/blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[384,385,386],{"path":382,"name":26,"lang":38,"published":26},{"path":382,"name":26,"lang":33,"published":26},{"path":382,"name":26,"lang":41,"published":26},[33],[389],{"_uid":390,"asset":391,"shadow":29,"caption":23,"overlay":393,"component":394},"fd2c6f5a-aa73-474a-a3b3-b4f677306243",{"alt":23,"name":23,"focus":23,"title":23,"filename":392,"copyright":23,"fieldtype":66,"is_external_url":29},"https://a.storyblok.com/f/146026/1190x670/1bc2494c1a/blog-visual_muenzen.jpg",[],"image",[],"2022-02-01 11:11","3",[],"Was ist Liquiditätsplanung und warum ist sie entscheidend für Ihr Cash Management? So erstellen Sie einen zuverlässigen Liquiditätsplan.",[401],{"_uid":402,"items":403,"heading":450,"reverse":29,"component":469,"sectionSettings":470},"1b767ea1-08d3-40bf-b003-e88e2cfd2fc2",[404,414,423,432,441],{"_uid":405,"title":406,"component":407,"description":408},"f018e886-4841-423c-9984-36118db2c29d","Was ist Ausgabenmanagement und wie hilft es bei der Liquiditätsplanung?","faqItem",{"type":79,"content":409},[410],{"type":82,"content":411},[412],{"text":413,"type":86},"Ausgabenmanagement ist der Prozess, mit dem Unternehmen alle Geschäftsausgaben erfassen, kontrollieren und korrekt zuordnen. Spendesk zentralisiert Zahlungen mit physischen und virtuellen Karten, automatisierten Spesenabrechnungen und einfachem Beleg-Upload, liefert Echtzeitberichte und ermöglicht Finanzteams, Budgets einzuhalten, Kostenstellen korrekt zu buchen und Liquiditätsvorhersagen präzise zu erstellen.",{"_uid":415,"title":416,"component":407,"description":417},"6d3a96d4-26a6-4d5b-aa34-6c3ae9e08310","Wie funktioniert Spendesk?",{"type":79,"content":418},[419],{"type":82,"content":420},[421],{"text":422,"type":86},"Spendesk ist eine Ausgabenmanagement-Plattform, die Zahlungen, Genehmigungen und Buchhaltung verbindet. Spendesk bietet physische und virtuelle Debitkarten, Ausgabenlimits, Genehmigungsworkflows, mobile Beleg-Uploads und automatische Zuordnung von Mehrwertsteuer und Sachkonten sowie zuverlässige Integrationen zu Buchhaltungstools, sodass Finanzteams Ausgaben in Echtzeit kontrollieren und Buchhaltungs-Exporte direkt vorbereiten.",{"_uid":424,"title":425,"component":407,"description":426},"841f32ea-1cd1-427b-9dc6-cfb6e21cdc80","Wie unterstützt Spendesk die Liquiditätsplanung?",{"type":79,"content":427},[428],{"type":82,"content":429},[430],{"text":431,"type":86},"Spendesk unterstützt die Liquiditätsplanung durch Echtzeit-Transparenz aller Ausgaben. Spendesk aggregiert Zahlungen, zeigt offene Verbindlichkeiten und wiederkehrende Kosten, erstellt Cashflow-Berichte und bietet virtuelle Karten sowie Budgetlimits, mit denen Finanzteams unvorhergesehene Ausgaben vermeiden und präzise Kurzzeit- und Monatsprognosen zur Liquidität erstellen.",{"_uid":433,"title":434,"component":407,"description":435},"404a02b1-a3d2-4482-9d32-622407bd0ae8","Welche Zahlungsmethoden bietet Spendesk für Cash Management?",{"type":79,"content":436},[437],{"type":82,"content":438},[439],{"text":440,"type":86},"Spendesk bietet physische Debitkarten, virtuelle Karten, Banküberweisungen und integrierte Rechnungsautomatisierung. 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Sehen Sie, wie Spendesk Teillieferungen, Abweichungen und Freigaben abbildet.",[2445],{"cta":2446,"_uid":2447,"items":2448,"heading":2533,"reverse":29,"component":469,"sectionSettings":2556},[],"05cae922-ba8b-43d0-ba43-ed714d3b46f5",[2449,2463,2477,2491,2505,2519],{"_uid":2450,"hide":29,"title":2451,"component":407,"description":2452},"36922ada-aacd-4ba0-931e-7dcc5c90d590","Wann reicht ein Zwei-Wege-Abgleich aus?",{"type":79,"attrs":2453,"content":2454},{"backgroundColor":26},[2455],{"type":82,"attrs":2456,"content":2457},{"textAlign":26},[2458],{"text":2459,"type":86,"marks":2460},"Ein Zwei-Wege-Abgleich kann bei wiederkehrenden Pauschalen, Software-Abonnements und vertraglich festgelegten Preisen ausreichen. 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Skonto ist ein Preisnachlass für eine frühere Zahlung innerhalb einer kürzeren Frist.",[2665],{"type":1565,"attrs":2666},{"color":1837},{"_uid":2668,"hide":29,"title":2669,"component":407,"description":2670},"ca2c2128-7502-4d4a-a69c-70905d39ec87","Wann sollte ein Unternehmen Skonto nutzen?",{"type":79,"attrs":2671,"content":2672},{"backgroundColor":26},[2673],{"type":82,"attrs":2674,"content":2675},{"textAlign":26},[2676],{"text":2677,"type":86,"marks":2678},"Skonto sollte genutzt werden, wenn ausreichend Liquidität vorhanden ist und der annualisierte Skontovorteil über den Kosten der Finanzierung oder der besten alternativen Verwendung des Geldes liegt.",[2679],{"type":1565,"attrs":2680},{"color":1837},{"_uid":2682,"hide":29,"title":2683,"component":407,"description":2684},"b31b54ca-7cb5-49e3-bab1-16d32c47b62f","Wie wird der effektive Skontozins berechnet?",{"type":79,"attrs":2685,"content":2686},{"backgroundColor":26},[2687],{"type":82,"attrs":2688,"content":2689},{"textAlign":26},[2690],{"text":2691,"type":86,"marks":2692},"Der Skontosatz wird durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt. Das Ergebnis wird anschließend mit 360 multipliziert und durch die zusätzlichen Finanzierungstage geteilt.",[2693],{"type":1565,"attrs":2694},{"color":1837},{"_uid":2696,"hide":29,"title":2697,"component":407,"description":2698},"39e89f22-6f11-469a-8437-85197ae49d9f","Was bedeutet „30 Tage netto“?",{"type":79,"attrs":2699,"content":2700},{"backgroundColor":26},[2701],{"type":82,"attrs":2702,"content":2703},{"textAlign":26},[2704],{"text":2705,"type":86,"marks":2706},"„30 Tage netto“ bedeutet, dass der vollständige Rechnungsbetrag innerhalb der vereinbarten Frist bezahlt werden muss. Der Beginn der Frist richtet sich nach dem Vertrag. Er kann beispielsweise beim Rechnungsdatum, Rechnungseingang, Lieferdatum oder Monatsende liegen.",[2707],{"type":1565,"attrs":2708},{"color":1837},{"_uid":2710,"hide":29,"title":2711,"component":407,"description":2712},"93875f99-683c-4e9c-a9bd-3d1d4dfd2656","Sind Zahlungsziele von mehr als 60 Tagen erlaubt?",{"type":79,"attrs":2713,"content":2714},{"backgroundColor":26},[2715],{"type":82,"attrs":2716,"content":2717},{"textAlign":26},[2718],{"text":2719,"type":86,"marks":2720},"Zwischen Unternehmen können längere Zahlungsziele ausdrücklich vereinbart werden. Nach Paragraph 271a BGB müssen sie jedoch ausdrücklich getroffen werden und dürfen für die Gläubigerseite nicht grob unbillig sein.",[2721],{"type":1565,"attrs":2722},{"color":1837},{"_uid":2724,"hide":29,"title":2725,"component":407,"description":2726},"7be2ebd6-9001-4db7-a4bc-44dadcfcb4bf","Wie kann Software bei Zahlungszielen unterstützen?",{"type":79,"attrs":2727,"content":2728},{"backgroundColor":26},[2729],{"type":82,"attrs":2730,"content":2731},{"textAlign":26},[2732],{"text":2733,"type":86,"marks":2734},"Software kann Rechnungen zentral erfassen, Fälligkeiten und Skontofristen anzeigen, Freigaben weiterleiten und Zahlungen vorbereiten. Die wirtschaftliche Entscheidung zwischen Skonto und später Zahlung bleibt beim Finanzteam.",[2735],{"type":1565,"attrs":2736},{"color":1837},[2738],{"cta":2739,"_uid":2740,"title":2741,"layout":23,"eyebrow":2749,"subtitle":2752,"component":126,"textAlign":23,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":2755,"sectionSettings":2756,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":23},[],"a962454c-e01f-4771-abc4-b05a8bc03dfa",{"type":79,"attrs":2742,"content":2743},{"backgroundColor":26},[2744],{"type":126,"attrs":2745,"content":2746},{"level":458,"textAlign":26},[2747],{"text":2748,"type":86},"Häufige Fragen zu Skonto und Zahlungsziel",{"type":79,"content":2750},[2751],{"type":82},{"type":79,"content":2753},[2754],{"type":82},[],[],[],"skonto-oder-zahlungsziel","de/blog/skonto-oder-zahlungsziel",-4160,[],"04dd515c-6c6a-4249-ac74-5d6c7c936436","2026-11-06T14:00:06.224Z",[],"blog/skonto-oder-zahlungsziel",[2767,2768,2769],{"path":2765,"name":26,"lang":38,"published":26},{"path":2765,"name":26,"lang":33,"published":26},{"path":2765,"name":26,"lang":41,"published":26},1793991661234]