Cash4 vs FinanceOS Treasury & Liquidity

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.

FinanceOS Treasury & Liquidity is a web finance platform for organizations managing multiple entities, banks, and systems. It sits above existing ERP, accounting, and banking systems, connecting contracts, project progress, and payments with cost, margin, forecasts, and liquidity. Treasury consolidates balances and movements across institutions, entities, and currencies while retaining each figure's source. Its liquidity forecast combines bank movements, receivables, and payables, with manual assumptions visible and attributable. Scenario views compare delayed payment runs, slipped receipts, and drawdowns with a base case. The module calculates covenant ratios with their source, headroom, status, and test period, and shows an empty result when financing data is absent. Existing systems retain posting and accounting authority; FinanceOS handles processes between systems. NetSuite is its first and deepest connected system-of-record path. Sign-in uses Microsoft Entra ID, access is role-based and entity-scoped, and financial records are append-only. The platform runs on Microsoft Azure in a European region. Pricing is available on request, with no published package tiers.