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SPECIFICTION
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Embat Cash Flow Management

embat.io

Web
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Spec score 7.0 #18 of 23 in Liquidity Management Software

What it is

Embat Cash Flow Management is a web platform for corporate finance teams at medium to large companies. It brings cash positions from banks, entities, and currencies into a real-time view, with support for multi-entity operations, intercompany visibility, funding tracking, and scenario analysis. Forecasts can combine ERP data, historical patterns, recurring items, and manual uploads, while deviations are surfaced as they occur. Projections can show balances for individual bank accounts and facilities to flag possible overdrafts. TellMe categorizes incoming transactions and sends exceptions for manual review; its suggestions require human approval, and Embat says it does not execute autonomous transactions. Bank connectivity covers more than 15,000 institutions through APIs and file channels such as EBICS, SWIFT, and host-to-host. ERP integrations include SAP, Oracle NetSuite, Microsoft Dynamics, Sage, DATEV, and more than 20 additional systems, with bidirectional flows. Payment and expense integrations include Stripe, PayPal, Adyen, Pleo, and Payhawk. Embat is headquartered in Madrid, Spain. Pricing is available on request through a tailored modular plan.

Spec sheet

Headquarters
Madrid, SpainRead 28 Sep 2026 · embat.io
Account-level projections
Cash forecasts can project balances at individual bank account and facility level to flag potential overdrafts.Read 30 Sep 2026 · embat.io
AI oversight
Embat says TellMe provides suggestions requiring human approval before operational action and does not execute autonomous transactions.Read 30 Sep 2026 · embat.io
Bank integrations
Embat says it connects to more than 15,000 financial institutions through APIs and file-based channels including EBICS, SWIFT, and host-to-host.Read 30 Sep 2026 · embat.io
Cash visibility
The platform consolidates cash positions across banks, entities, and currencies in real time.Read 30 Sep 2026 · embat.io
Data security
The security page says stored data is encrypted with AES-256 and data in transit with TLS 1.2 or higher.Read 30 Sep 2026 · embat.io
ERP integrations
Listed ERP integrations include SAP, Oracle NetSuite, Microsoft Dynamics, Sage, DATEV, and more than 20 additional systems, with bidirectional data flows.Read 30 Sep 2026 · embat.io
Forecasting
Forecasts use ERP data, historical patterns, recurring items, and manual uploads, with deviations surfaced as they occur.Read 30 Sep 2026 · embat.io
Intended customers
Embat describes its customers as medium to large companies and positions the product for corporate finance teams.Read 30 Sep 2026 · embat.io
Other integrations
The integrations page lists payment processors including Stripe, PayPal, and Adyen, and expense platforms including Pleo and Payhawk.Read 30 Sep 2026 · embat.io
Pricing model
Pricing is modular and tailored; the page invites users to request a personalised pricing proposal after selecting modules.Read 30 Sep 2026 · embat.io
Security certifications
Embat states that it holds ISO/IEC 27001:2022 certification and a SOC 2 Type II attestation, and supports GDPR compliance.Read 30 Sep 2026 · embat.io
Transaction categorization
TellMe automatically categorizes incoming transactions and flags exceptions for manual review.Read 30 Sep 2026 · embat.io

Plans and prices

Tailored modular plan Priced on request Choose modules; pricing proposal tailored to your use case Read 30 Sep 2026 · embat.io

Every Embat Cash Flow Management plan and price →

Strong points and limits

Strong points

  • Real-time cash across banks, entities, and currencies
  • Forecasts combine ERP, history, recurring items, and uploads
  • Connects to more than 15,000 financial institutions
  • Account-level projections flag potential overdrafts
  • ISO 27001:2022 and SOC 2 Type II stated

Limits

  • Pricing is available only on request
  • TellMe suggestions require human approval
  • Platform is listed for web only

Who it suits

It suits corporate finance teams in medium to large companies needing multi-entity cash visibility, forecasting, and funding oversight.

Verdict

Embat combines broad connectivity with detailed cash forecasting and account-level projections. Teams should request pricing and confirm that its web delivery and approval workflow fit their operations.

Where Specifiction places it

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