9 tools to make liquidity management a breeze in 2025

Cash is the lifeblood of every business – and in today’s fast-moving world, keeping a clear view of liquidity is more important than ever. Luckily, the days of chasing spreadsheets, waiting for month-end reports or wondering where your money went are behind us.

Liquidity management software is here to give finance teams real-time visibility, smarter control over spend and the ability to turn cash flow from a reactive task into a strategic advantage.

From controlling everyday expenses and automating payables to centralising bank accounts and tapping into short-term financing, the right tools make cash work harder – and smarter – for your business.

We’ll explore what liquidity management software is and introduce you to nine tools that do exactly that.

Key takeaways:

• In today’s business environment, real-time visibility is everything. Liquidity management tools allow you to see cash moving in and out as it happens – not weeks later.
• Automation reduces friction. From invoice approvals to recurring payments, it frees your team to focus on strategy instead of chasing paperwork.
• Centralisation drives clarity. Treasury systems, bank connectivity platforms and spend management tools give you a single view of cash across accounts, currencies and teams.
• Liquidity tools are strategic, not just operational. Beyond preventing crunches, these solutions optimise cash allocation, reduce FX costs and unlock growth opportunities.

What is liquidity management software?

Liquidity management software is all about helping businesses monitor, control and optimise their cash position in real time. Think of it as your business’ financial radar: it tells you exactly how much cash you have, where it’s sitting and whether it’s working hard enough for you.

The days of waiting for end-of-month reports or juggling messy spreadsheets are over. With liquidity management software, finance teams get instant visibility and control over money moving in and out of the business.

These tools ensure you always have the right amount of cash on hand to pay suppliers, cover payroll and still invest in growth – without tying up too much in the wrong places.

From keeping everyday expenses transparent and under control, to bringing global cash and banking operations into one place, liquidity software covers every corner of financial visibility. There are automation tools that shorten payment cycles and keep money flowing in the right direction, and platforms that unlock quick access to working capital when gaps appear.

Together, these solutions form a toolkit that turns liquidity from a constant headache into a genuine strategic advantage.

9 tools to improve liquidity management in 2025

Still juggling cash flow with clunky spreadsheets and guesswork? It might be time to swap chaos for clarity with smarter liquidity tools. We’ve compiled a list of 9 tools that’ll help you do just that.

In the table below, you’ll find a quick overview of the solutions covered:

Spend management platforms

Company expenses can spiral quickly when they’re buried in receipts and late expense claims. Spend management platforms bring that chaos under control, giving you real-time oversight of where money’s going, who’s spending it and how it affects your bottom line.

1. Pleo

With more than 1,480 five star reviews, Pleo is Europe’s most loved and trusted spend management platform.

With Pleo, every company expense is tracked in real time – from recurring subscriptions and supplier invoices to travel and day-to-day team costs. By centralising spend, you can get a clearer picture of outgoing cash and how it impacts overall liquidity.

Smart automation and intuitive tools make it easy to monitor budgets, enforce policies and approve expenses on the spot, rather than weeks later. The result? Faster, more accurate visibility into where money is flowing – and how much is left to fuel growth.

Turn spend data into actionable insights with powerful analytics, automated workflows and seamless categorisation. Spend less time chasing receipts – and more time making strategic, data-driven decisions.

Pros and key functionalities:

• Flexible spending control: Offers both physical and virtual employee cards with configurable limits and merchant restrictions.
• Seamless expense capture: Say goodbye to paperwork. Snap, attach and categorise receipts instantly via the mobile app. 
• Smart automation and approvals: Automate workflows, enforce policies and approve petty cash expenses on the spot.

Reasons to choose Pleo:

• Fast implementation and onboarding
• Strong customer support and user-friendly interface
• Scalable solution that grows with your business

Pricing: Pleo offers monthly or yearly billing, with prices starting at £9.5 per month for up to 3 users.

What do our users say about Pleo?

“The user interface is clean and intuitive, making it incredibly easy for team members at all levels to get started – no steep learning curve or complicated onboarding processes. Uploading receipts, categorizing expenses, and syncing with accounting systems is seamless. It takes what was once a time-consuming chore and turns it into a few simple taps.”

- Account Manager Szabolcs G., G2

Treasury management systems (TMS)

When you’re operating across multiple banks, currencies and subsidiaries, spreadsheets just don’t cut it. Treasury management systems (TMS) act as mission control for your cash, centralising global positions and helping finance teams manage liquidity, payments and risk with confidence.

2. Kyriba

Kyriba is one of the heavyweights in treasury management, giving global finance teams real-time visibility over cash, liquidity and risk.

With advanced forecasting, bank connectivity, and FX hedging tools, Kyriba helps businesses optimise working capital and protect against volatility – all from a single platform.

Pros and key functionalities:

• Centralised cash visibility: Real-time oversight of global cash, liquidity and risk positions.
• Advanced forecasting: Improve decision-making with accurate liquidity and cash flow projections.
• FX risk management: Hedge against volatility with built-in currency risk tools.

Reasons to choose Kyriba:

• Centralisation and time-saving
• Ease of use and functionality
• Good financial management

Source: G2

Pricing: N/A – all pricing is quote-based.

3. Coupa Treasury

Part of the Coupa Business Spend Management suite, Coupa Treasury centralises cash, payments and liquidity data to give CFOs a clear, global view.

The solution is designed with ease of use in mind and built to help companies manage complex bank structures, streamline cash positioning and make more strategic liquidity decisions.

Pros and key functionalities:

• Global cash visibility: Centralises cash, payments and liquidity data across subsidiaries and banks.
• Cash positioning: Simplifies daily cash positioning and liquidity planning.
• Strategic decision support: Provides insights to guide liquidity and treasury strategy.

Reasons to choose Coupa:

• Features and functionalities
• Intuitive user interface
• Efficiency and time-saving

Source: G2

Pricing: N/A – all pricing is quote-based.

4. Bonus: Pleo Cash Management Suite

Did you know? We’re expanding with our very own Cash Management Suite to give finance teams complete visibility and control over liquidity. From one single platform, you’ll get a real-time view of all your bank accounts, Pleo balances and financial activity. Cash oversight has never been so simple.

Manage liquidity across accounts seamlessly with automated transfers, advanced workflows and smart integrations. Keep spending under control with dedicated budgets and clear fund allocation, and reduce FX costs and optimise surplus cash to help your money go further.

Pros and key functionalities:

• Real-time visibility: One platform to view all bank accounts and Pleo balances.
• Liquidity automation: Transfer funds automatically across accounts.
• Smart integrations: Connect workflows for full financial oversight.

Read more and join the waitlist

Accounts payable and accounts receivable automation

Cash flow lives and dies by how fast money comes in – and how smoothly it goes out. Accounts payable (AP) and accounts receivable (AR) automation tools take the friction out of collections and payments, reducing manual errors, speeding up cycles and freeing up finance teams to focus on strategy, not chasing invoices.

5. Tipalti

Tipalti automates the entire payables process, from invoice capture to supplier payments, making it easier for finance teams to handle high volumes without sacrificing control.

With built-in compliance, global payment capabilities and seamless ERP integrations, the tool helps businesses manage AP at scale whilst keeping liquidity flowing smoothly.

Pros and key functionalities:

• AP automation: Streamline payables from invoice capture to supplier payments.
• Global payments: Support for multiple currencies and payment methods.
• Scalable efficiency: Handle high invoice volumes without losing control.

Reasons to choose Tipalti:

• Ease of use and customer support
• Efficiency and helpfulness
• Good payment processing capabilities

Source: G2

Pricing: Tipalti uses a SaaS subscription pricing model starting at $99 per month for the platform fee.

6. Pleo Accounts Payable

Not to toot our own horn again, but if you’re looking for an AP solution, we have you covered. Pleo Accounts Payable takes the pain out of invoice management, automating every step of the workflow so finance teams can process payables up to 5x faster.

Your invoices land directly in Pleo, where OCR pulls out the details and routes them for approval with flexible workflows. You’ll never have to worry about payments getting the right level of oversight again.

When it’s time to pay, vendors can be settled seamlessly from your Pleo Account in over 50 currencies, with scheduled or bulk payments that align with due dates. That means fewer late fees, smoother supplier relationships and better control of outgoing cash. And with instant sync to your accounting system, every payable feeds into your liquidity picture without the manual busywork.

Pros and key functionalities:

• Invoice automation: Capture, approve and process payables up to 5x faster.
• OCR technology: Automatically extracts invoice details.
• Multi-currency payments: Pay vendors in 50+ currencies directly from Pleo.

Reasons to choose Pleo:

• Effortless and easy to use
• Seamless integrations
• Streamlined efficiency

Source: G2

Bank connectivity and payment hubs

Managing multiple bank accounts across regions can feel like a never-ending admin loop. Bank connectivity and payment hubs cut through the noise by pulling balances, transactions and payments into one place, giving you a real-time view of liquidity wherever it sits.

7. TIS (Treasury Intelligence Solutions)

TIS simplifies multi-bank management by centralising payments, cash visibility and bank connections in one cloud platform, helping CFOs, treasurers and finance teams transform their global cash flow, liquidity and payment functions.

It’s a solution designed to give companies real-time oversight across all accounts, improve payment security and reduce the complexity of managing global liquidity.

Pros and key functionalities:

• Cloud-based platform: Easy to deploy and scale across teams.
• Multi-bank connectivity: Centralises global bank accounts and transactions.
• Cash visibility: Real-time overview of liquidity across accounts.

Reasons to choose TIS:

• Efficiency and ease of use
• Centralisation and reliability
• Strong cash management capabilities

Source: G2

Pricing: N/A – all pricing is quote-based.

8. Bottomline Digital Banking Solutions

Bottomline is an industry-leading commercial digital banking platform offering payment and cash lifecycle solutions that help businesses manage bank connectivity, streamline payments and protect against fraud.

With a focus on stability, Bottomline empowers your bank to provide the visibility and control your finance teams need to handle complex cash positions with confidence.

Pros and key functionalities:

• Payment lifecycle management: Streamlines payments from initiation to settlement.
• Bank connectivity: Enhances integration between corporates and banks.
• Fraud protection: Advanced security against payment risks.

Reasons to choose Bottomline:

• Efficiency and convenience
• Cost-effectiveness
• Privacy and control

Source: G2

Pricing: N/A – all pricing is quote-based.

Corporate credit and short-term financing tools

Even the healthiest businesses hit cash flow crunches. Corporate credit and short-term financing platforms provide a safety net, unlocking fast access to working capital so companies can cover costs, bridge gaps and keep growth plans on track without waiting for receivables to land.

9. Capchase

Capchase provides flexible, non-dilutive financing to SaaS and recurring-revenue businesses. The platform allows customers to pay over time according to their preferences whilst enabling businesses to receive the total contract value (TCV) upfront for annual and multi-year agreements.

By advancing future revenues into upfront capital, Capchase gives companies the liquidity they need to cover costs, extend runway or invest in growth – without waiting for customer payments to come in.

Pros and key functionalities:

• Flexible financing: Unlock non-dilutive capital for SaaS and recurring-revenue businesses.
• Revenue-based funding: Advance future revenues into upfront cash.
• Growth support: Extend runway or reinvest without equity dilution.

Reasons to choose Capchase:

• Strong customer support
• Ease of use and intuitive user interface
• Convenience and flexible payments

Source: G2

Pricing: Free, with a custom platform fee and flexibility on who pays it.

What to look for in a liquidity management tool

The tools we’ve covered tackle different parts of the liquidity puzzle – from centralising global cash positions to automating payables and unlocking short-term financing.

Not every tool will be the right fit for your business, but certain features are worth prioritising if you want to stay on top of cash flow and make smarter financial decisions. Here are some key elements to look for:

• Ease of use: Look for clean dashboards that make it easy to see where money is and where it’s going.
• Real-time spend visibility: You must be able to track transactions as they happen – no more surprises from late invoices or hidden costs. Pleo, for example, shows outgoing cash instantly.
• Automated workflows and approvals: Choose a solution that lets you capture, approve and pay invoices automatically to reduce bottlenecks and keep spending under control.
• Seamless bank connectivity: For a complete overview of cash position, look for tools that let you centralise all your accounts and payments in one platform.
• Smart budgeting and spend control: You’ll want to be able to set budgets, enforce policies and approve expenses in real time to manage liquidity effectively.
• Analytics and optimisation: To optimise payments and allocate cash strategically, look for a tool that turns spend and cash data into actionable insights.
• Good value for money: Choose a tool that saves time, reduces waste – and scales with your business.

Liquidity management software isn’t just about preventing cash crunches: it’s about giving your business the clarity and control to grow with confidence.

Final thoughts

Managing liquidity doesn’t have to be stressful or reactive. The right combination of spend management, treasury, AP/AR automation, bank connectivity and short-term financing tools gives businesses control, clarity and the flexibility to respond to opportunities – and challenges – as they arise.

Whether you’re a growing startup or a global enterprise, liquidity management software turns cash from a constant headache into a strategic advantage. Swap guesswork and spreadsheets for smarter insights, automated workflows and a centralised view of your financial position – and watch your business operate with confidence and agility.