Liquidamos el saldo pendiente.

In this sentence, liquidamos means something like we settle, we clear, or we pay off.

It is similar to pagamos (we pay), but liquidar often sounds more financial or formal. It suggests fully clearing an amount that was still owed, not just making a payment in general.

So:

• pagamos una factura = we pay a bill
• liquidamos el saldo pendiente = we settle / clear the outstanding balance

In business or banking contexts, liquidar is very common.

Liquidamos is in the present indicative.

It can mean:

• we settle
• we are settling
• sometimes, depending on context, we do settle

Spanish present tense often covers both the simple present and the present continuous idea when the context is clear.

Form:

• yo liquido
• tú liquidas
• él/ella liquida
• nosotros/nosotras liquidamos

So liquidamos = we settle / we clear / we pay off.

Normally, no. In standard written Spanish, liquidamos here is present tense, not past.

However, there is an important detail: for -ar verbs, the nosotros form in the preterite looks the same as the present:

• present: liquidamos = we settle
• preterite: liquidamos = we settled

So only context tells you which one it is.

If this sentence appears by itself, many learners will first read it as present tense, but it could also mean we settled the outstanding balance if the surrounding context is about a completed past action.

Spanish often uses the definite article more than English does.

Here, el saldo pendiente means the outstanding balance. It refers to a specific balance, usually one already known in the situation.

Using el makes it sound complete and natural:

• Liquidamos el saldo pendiente.

Without the article, Liquidamos saldo pendiente, it sounds incomplete or unnatural in normal Spanish.

Saldo is a balance, especially in financial contexts, such as:

• bank balance
• amount due
• remaining amount on an account

Pendiente literally means pending, but in this kind of sentence it usually means:

• outstanding
• still unpaid
• remaining

So saldo pendiente is a very common financial expression meaning:

• outstanding balance
• remaining balance
• unpaid balance

In Spanish, adjectives usually come after the noun.

So:

• saldo = balance
• pendiente = pending / outstanding

Together:

• saldo pendiente = outstanding balance

This is the normal word order in Spanish. English often puts adjectives before the noun, but Spanish usually puts them after.

Yes, especially in formal, financial, business, administrative, or legal contexts.

In everyday conversation, people might also say:

• pagar lo que falta = pay what remains
• saldar la deuda = settle the debt
• terminar de pagar = finish paying

But liquidar is absolutely normal when talking about accounts, invoices, balances, taxes, debts, and similar matters.

In Spain, you may also hear it in commerce, for example:

• liquidar una factura
• liquidar una deuda
• liquidar el saldo

Yes. Liquidar can have several meanings depending on context. Common ones include:

• to settle an account or debt
• to clear a balance
• to wind up or close out financially
• in some contexts, to get rid of stock or assets

So learners should not assume it always means simply pay. In this sentence, because of el saldo pendiente, the financial meaning is clear: to settle/clear the outstanding balance.

Spanish usually does not include subject pronouns unless needed for emphasis or clarity.

The ending -amos already tells you the subject is nosotros/nosotras (we).

So:

• Liquidamos el saldo pendiente. = We settle the outstanding balance.

You could say:

• Nosotros liquidamos el saldo pendiente.

But that sounds more emphatic, like:

• We are the ones who settled it.

Most of the time, the shorter version is more natural.

A more informal or everyday version might be:

• Pagamos lo que faltaba. = We paid what was left.
• Terminamos de pagar el saldo. = We finished paying the balance.
• Saldamos la deuda. = We settled the debt.

The original sentence, Liquidamos el saldo pendiente, sounds a bit more formal or business-like.

In standard Spain Spanish, approximately:

lee-kee-DA-mos el SAL-do pen-DYEN-te

A few helpful points:

• li in liquidamos sounds like lee
• qui sounds like kee
• damos has a soft d
• pendiente has ie as one syllable glide: dyen

A rough stress guide:

• liquiDAmos
• SALdo
• penDIENte

So the natural rhythm is:

liquiDAmos el SALdo penDIENte