Cashfac Liquidity Management vs FinanceOS Treasury & Liquidity

Cashfac Liquidity Management connects bank infrastructure to client workflows for visibility, allocation, and control of funds. It brings pooled bank accounts into a unified view of active virtual accounts and forecasts current and future cash flows against expected inflows and outflows. The platform supports automated payments with prepayment controls, automated receivables with payment-lifecycle visibility, and sweeping and target balancing. Cash pooling can collect, identify, and allocate client deposits; the solution can also invest cash while keeping funds available for ongoing requirements. REST-based Q APIs connect back-office systems with banks for payment initiation, account lifecycle management, inquiries, and banking tasks. Deployment is available in the cloud or on premise, including hosting at customer-selected data centres. Cashfac states that it is FCA-authorised and regulated and that its information security management system is ISO 27001 certified. Its hosted service includes a real-time active disaster recovery site and offsite backups. Pricing is on request; Cashfac offers training and managed service support.

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.