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Cash4

treasury4.com

WebAPI
Visit treasury4.com
Spec score 8.1 #2 of 23 in Liquidity Management Software

What it is

Cash4 is Treasury4’s cash management module for finance teams that need a consolidated view of cash and forecasts across bank accounts, investment accounts, entities and currencies. It aggregates demand deposits, time deposits, money market funds and fixed-income securities, with target balance thresholds for individual accounts. Forecasting uses machine-learning models trained on each customer’s historical data, and scenario planning compares manual forecasts, predictions and past actuals. Cash4 can generate direct cash-flow statements from transaction-level bank data and compare forecasts with actuals. Its transaction categorization engine applies predictive AI and configurable rules to classify operating, investing and financing activity. Connections include direct APIs and host-to-host integrations with named banks, as well as BAI2 and MT940 files; ERP integrations and structured Snowflake data with embedded Sigma analytics are also included. Entity4 integration supports account mapping for FBAR-ready reports and SOX-compliant audit trails. The cloud product also supports payment workflows and ISO 20022 files. Pricing is available on request.

Spec sheet

What it does
Cash4 is Treasury4’s cash-management module for real-time visibility into balances, transactions, liquidity and forecasts across bank accounts, investment accounts, entities and currencies.Read 15 Oct 2026 · treasury4.com
Purpose
Cash4 is Treasury4’s cash management module providing a real-time 360° view of global cash, cash equivalents and forecasts across bank accounts, investment accounts, entities and currencies.Read 30 Sep 2026 · treasury4.com
Headquarters
Spokane, Washington, United StatesRead 28 Sep 2026 · treasury4.com
Founded
2020Read 28 Sep 2026 · treasury4.com
2026 release
The August 11, 2026 release added MCP access, NetSuite and general-ledger integrations, custodian-bank investment connections and payment-template exports for more than 30 banks.Read 15 Oct 2026 · info.treasury4.com
AI categorization
Its Transaction Categorization Engine uses predictive AI and configurable rules to classify transactions into operating, investing and financing categories.Read 30 Sep 2026 · treasury4.com
Analytics stack
Cash4 exposes structured data through embedded Snowflake infrastructure and Sigma analytics.Read 15 Oct 2026 · treasury4.com
Architecture
Cash4 is described as cloud-native, API-first and single-tenant, with customer data isolated and not co-mingled with other customers.Read 15 Oct 2026 · treasury4.com
Bank connectivity
Cash4 uses API and SWIFT connections for prior-day and current-day bank statements and supports BAI2 and MT940 files when direct APIs are unavailable.Read 15 Oct 2026 · treasury4.com
Cash positioning
The product aggregates balances from demand deposits, time deposits, money-market funds and fixed-income holdings, with account-level target-balance thresholds.Read 15 Oct 2026 · treasury4.com
Cash-flow statements
Cash4 generates direct-method cash-flow statements from transaction-level bank data, including CFO and FCF metrics.Read 15 Oct 2026 · partners.jpmorgan.com
Company location and founding
LinkedIn lists headquarters in Spokane, Washington and a 2020 founding year.Read 15 Oct 2026 · linkedin.com
Company size
LinkedIn lists Treasury4 as privately held with 51–200 employees.Read 15 Oct 2026 · linkedin.com
Compliance attestations
The trust center lists SOC 1 Type 1, SOC 2 Type 2 and SOC 3 reports as requestable documents.Read 15 Oct 2026 · security.treasury4.com
Compliance certifications
The trust center lists SOC 1 Type 1, SOC 2 Type 2 and SOC 3 reports as available by request.Read 30 Sep 2026 · security.treasury4.com
Compliance reporting
Through Entity4 integration, Cash4 maps bank accounts to legal entities, jurisdictions and tax IDs for FBAR-ready reports and SOX-compliant audit trails.Read 30 Sep 2026 · treasury4.com
Dashboards
Real-time dashboards consolidate balances, flows and trends across entities, banks and regions and allow drill-down to individual transactions.Read 15 Oct 2026 · treasury4.com
Data isolation
Every client runs on a dedicated Snowflake environment so treasury data is isolated and never co-mingled with other customers.Read 30 Sep 2026 · treasury4.com
Direct cash flow
The platform generates direct cash-flow statements from transaction-level bank data and provides forecast-versus-actual comparison.Read 30 Sep 2026 · treasury4.com
Documentation
Public Treasury4 pages provide product FAQs and feature descriptions, but the platform page directs prospects to sales rather than publishing API reference or SDK documentation.Read 15 Oct 2026 · treasury4.com
Entity4 integration
Entity4 maps bank accounts to legal entities, jurisdictions and tax IDs, supporting FBAR-ready reports and SOX audit trails.Read 15 Oct 2026 · treasury4.com
ERP and analytics
Cash4 connects to ERPs through API-first integrations and provides structured data through dedicated Snowflake infrastructure with embedded Sigma analytics.Read 30 Sep 2026 · treasury4.com
ERP integration
Cash4 connects to ERP systems through API-first integrations and normalizes incoming data for reporting and business intelligence.Read 15 Oct 2026 · treasury4.com
Forecasting
Machine-learning models trained on each customer’s dedicated historical data produce forecasts, while dashboards compare manual forecasts, model predictions and actuals.Read 15 Oct 2026 · treasury4.com
Founders
Treasury4’s own company story names Ed Barrie, Nathan Brown and Steve Helmbrecht as founders in 2020.Read 15 Oct 2026 · treasury4.com
Funding
The Spokane Journal reported a $20 million Series A led by WestCap in September 2023 and approximately $8 million in earlier seed rounds.Read 15 Oct 2026 · spokanejournal.com
Implementation
Treasury4 says Cash4 goes live in five weeks from kickoff, including bank integrations, data validation, rule configuration and team training.Read 30 Sep 2026 · treasury4.com
Implementation time
Treasury4 says Cash4 can reach operational dashboards in five weeks, including integrations, validation, categorization rules and training.Read 15 Oct 2026 · treasury4.com
Investment integrations
The platform connects investment portals including ICD, BlackRock and Morgan Stanley, and supports IntraFi structured-liquidity data.Read 15 Oct 2026 · treasury4.com
J.P. Morgan integration
J.P. Morgan describes API and file connectivity through Cash4, including Morgan Money, balance and transaction feeds, reconciliation and centralized cash management.Read 15 Oct 2026 · partners.jpmorgan.com
Legal name
Crunchbase identifies the legal name as Treasury 4, Inc.Read 15 Oct 2026 · crunchbase.com
Limit: pricing transparency
G2 and Software Advice report that Treasury4 does not publish a standard price and requires contacting the vendor.Read 15 Oct 2026 · g2.com
Limit: review coverage
Public review coverage is effectively absent, so independent evidence about usability, support and reliability is limited.Read 15 Oct 2026 · g2.com
MCP server
Treasury4 advertises an MCP server that connects Claude, ChatGPT, Microsoft Copilot and other MCP-compatible assistants to treasury data.Read 15 Oct 2026 · treasury4.com
Notable news
Treasury4 announced its Summer 2026 release on August 11, 2026, centered on MCP, new integrations and expanded cash and investment capabilities.Read 15 Oct 2026 · info.treasury4.com
Overdraft prevention
Cash4 can issue funding alerts when an account falls below a critical balance and identify an internal entity with excess cash for an intercompany sweep.Read 30 Sep 2026 · treasury4.com
Praise: independent evidence
No recurring reviewer praise can be established because the available G2 and GetApp listings show zero reviews.Read 15 Oct 2026 · g2.com
Rating on G2
0 out of 5 from 0 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
0 out of 5 from 0 reviewsRead 15 Oct 2026 · getapp.com
Rating on Software Advice
No user reviews are listed; pricing is available upon request.Read 15 Oct 2026 · softwareadvice.com
Scenario training
Users can export transactions to a private internal LLM, apply instructions such as changing receivables timing, and re-import the resulting forecast model.Read 15 Oct 2026 · treasury4.com
Security controls
Treasury4’s trust center lists encryption at rest, restricted customer-data access, uptime monitoring, vulnerability management and incident tracking controls.Read 30 Sep 2026 · security.treasury4.com
Security monitoring
The trust center says Treasury4 is continuously monitored by Secureframe and maintains controls for encryption at rest, access restriction, vulnerability management, incident response and availability monitoring.Read 15 Oct 2026 · security.treasury4.com
Supported banks
The FAQ names JPMorgan, Citi, Wells Fargo, U.S. Bank, Bank of America, Goldman Sachs, HSBC and Morgan Stanley as direct-connect examples.Read 15 Oct 2026 · treasury4.com
Target users
Treasury4 describes its platform as built for finance teams managing liquidity, risk and capital structure, including treasury teams and CFOs.Read 30 Sep 2026 · treasury4.com
Transaction categorization
Its categorization engine classifies inflows and outflows into operating, investing and financing categories as transactions arrive.Read 15 Oct 2026 · treasury4.com
Variance analysis
AI-driven variance analysis flags seasonality, anomalies and deviations from historical cash patterns.Read 15 Oct 2026 · treasury4.com

Plans and prices

Cash4 Priced on request Read 30 Sep 2026 · treasury4.com
Custom enterprise plan Priced on request Pricing supplied on request · Demo-led sales process Read 15 Oct 2026 · treasury4.com

Every Cash4 plan and price →

Strong points and limits

Strong points

  • Aggregates balances across accounts and currencies.
  • Scenario planning compares forecasts with historical actuals.
  • Produces cash-flow statements from transaction-level bank data.
  • Dedicated Snowflake environment isolates each client’s data.
  • Supports API, host-to-host, BAI2 and MT940 connections.

Limits

  • Pricing is available only on request.
  • Cloud deployment only.
  • Implementation is stated as five weeks from kickoff.

Who it suits

Cash4 suits treasury teams and CFOs managing liquidity, risk and capital structure across accounts, entities or currencies. It is intended for finance teams that need forecasting, cash positioning and reporting in one system.

Verdict

Cash4 brings cash positioning, forecasting and transaction-level cash-flow reporting together, with bank and ERP connectivity. Pricing requires a request, so teams will need to contact Treasury4 for cost details.

Where Specifiction places it

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