As technology evolves, so does the way companies manage their finances. AI-powered analytics, automated transactions, real-time visibility – with these features and many more, cash flow management solutions are more efficient than ever.
With that being said, choosing the right cash management tool can be a challenge. Every company has its own unique needs and requirements. With the right tool on the team, however, your company can reduce financial risks, streamline operations and take control of your resources.
By centralising cash flow management and automating tasks like payments and bank reconciliations, you can also save a lot of time and money that can be spent on more valuable activities instead. In other words, finding the right solution is worth the hassle – and we’re here to make it a little easier for you.
In this article, we’ll cover what you need to know about cash management solutions and take a look at 11 of the best tools on the market in 2025.
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Key takeaways:
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Cash management solutions – why are they important for your business?
With innovations like AI-powered analytics, real-time cash flow visibility and automated transactions, technology is improving everything from forecasting and liquidity optimisation to streamlining financial processes.
One thing, however, hasn’t changed: when it comes to financial stability, cash management is king.
Having the right money in the right place at the right time is crucial – for paying your bills, investing in growth and keeping your business running.
For CFOs, treasurers and finance teams, it’s all about leveraging the latest technology to gain real-time insights, optimise cash flow and minimise risk. By adopting new tools and strategies, you won’t just keep up with the latest developments – you’ll also strengthen your company finances and pave the way for long-term success.
This is exactly why cash management solutions are so important.
These solutions offer a wide range of benefits, including:
- Profitability boost: Cash management solutions help you make smarter investments and avoid having capital unnecessarily tied up, increasing profitability.
- Liquidity management: By keeping track of cash reserves, you can make sure you have enough money when needed – and avoid any unpleasant financial surprises.
- Better decision-making: With advanced analytics and insights, it’s easier to make smarter financial decisions and strategic financial plans.
- Minimised risk: Cash management tools identify and manage potential cash flow issues before they become a problem for your business.
- Improved efficiency: Automating cash management saves time, reduces errors and makes financial processes smoother – and who doesn’t want that?
11 best cash management solutions 2025
Now that we’ve covered why cash management solutions are so important for the financial success of your business, let’s take a look at some of the best solutions on the market in 2025.
1. Pleo
With more than 1,480 five star reviews, Pleo is Europe’s most loved and trusted spend management platform. Now, Pleo is about to make cash management easier than ever by giving you full control of your company finances – all from one streamlined, user-friendly platform.
Our new cash management feature gives you real-time updates and a centralised overview of your bank accounts, Pleo Wallet balances and financial activities, allowing you to make better, more informed decisions.
Automate transfers between bank accounts and Pleo Wallet with efficient workflows and seamless integrations. Eliminate manual processes and optimise your company’s cash flow – no sweat.
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Provides a centralised, real-time overview of bank accounts, Pleo Wallet balances and financial activity Enables smooth budgeting and money allocation with total visibility into expenses Reduces currency fees, ensuring you get the most value out of your money Automates transfers between bank accounts and Pleo Wallet with advanced workflows and integrations User-friendly platform makes features easy to implement and use for both finance and other employees |
Limited multicurrency support on international payments. Best suited for integrating with existing systems |
Read more about our upcoming cash management feature
2. Highradius
Highradius is an AI-powered cash management solution that improves cash management by automating key functions like cash flow forecasting, liquidity management and bank reconciliation.
By integrating with ERP systems and providing real-time insights, Highradius helps you optimise your treasury management processes. Predictive analytics give you better insight into your company’s financial health, reducing cash flow volatility and improving forecast accuracy.
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Uses AI to provide accurate forecasts, improving financial planning and decision-making Real-time insight into cash positions provide a complete overview of the company’s cash Streamlines processes by automating bank reconciliations and other repetitive tasks, saving time and reducing the risk of manual errors |
Primarily designed for treasury professionals, which may limit its usefulness for other financial roles Can be challenging for those new to treasury and financial management |
3. Nomentia
Nomentia offers a cash management solution focused on cash flow visibility, forecasting and liquidity control. The platform integrates seamlessly with existing financial systems and provides real-time updates on cash positions and customisable forecasting models.
With a strong focus on automation, Nomentia makes manual reconciliation processes a thing of the past, giving you better control over cash flow and reducing operational inefficiencies.
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Pros |
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Simple and intuitive to navigate and use, making it easy for both beginners and experienced users Provides reliable cash flow forecasts for better financial planning and decision making Integrates seamlessly with various financial systems for smooth and efficient management |
Limited advanced features, which may leave larger companies lacking certain tools and functionalities Users may occasionally experience minor disruptions or delays in transactions |
4. Kyriba
The platform’s scalable design allows you to adapt to changing market conditions, ensuring effective cash management and reduced risk exposure in a volatile economy.
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Works great for both small and large businesses, though it’s particularly powerful for larger organisations Powerful analytics tools provide deep insights into financial flows Dedicated support offered both during implementation and ongoing use |
Time-consuming implementation, which may require significant resources and planning Advanced features may require extensive training to use effectively Coordination with the bank’s technical team can sometimes cause startup delays |
5. SAP Cash Management
SAP Cash Management is a comprehensive solution for managing cash flow and liquidity. It offers seamless integration with SAP ERP systems, making it great for those already using SAP. The solution gives you real-time visibility into liquidity and access to tools for cash flow forecasting and financial reporting.
SAP Cash Management excels at handling complex financial processes and efficient bank communication, making it a powerful tool for companies that want to gain better control over their cash management.
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Pros |
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Seamless integration with SAP ERP for smooth financial management Flexible solution adaptable to business needs Provides extensive and customisable reports |
Companies without SAP ERP do not get the same value from this solution as SAP ERP users Complex user experience, which can make it difficult to manage payments and applications |
6. QuickBooks
QuickBooks offers a suite of cash flow management tools designed to help you track, forecast and optimise your business’ cash position. With features like real-time cash flow tracking, forecasting, automated invoicing and expense management, Quickbooks enables you to make informed decisions about your company finances.
The solution integrates with banking accounts, payment processors and third-party apps – in short, it gives you a comprehensive view of your cash flow.
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Pros |
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Real-time visibility into cash inflows and outflows Integrates seamlessly with QuickBooks accounting software for streamlined financial management Scalable and good for businesses with growing financial needs |
Limited advanced forecasting may be less suited for complex financial planning Some users report slow customer service response times and difficulty getting assistance |
7. Xero
Xero is a popular choice among small businesses. It offers cash flow management and forecasting tools with a sleek, easy-to-use interface, and its real-time data capabilities make it great for day-to-day financial planning.
Overall, Xero is a solid choice for businesses looking for an intuitive cloud-based cash flow management solution.
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Pros |
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User-friendly and visually appealing dashboard Provides real-time data on cash flow and accounts receivable Integrates with a variety of third-party apps for enhanced functionality |
Limited long-term forecasting Less customisable compared to some competitors Primarily online-based support can result in slow response times |
8. Sage Intacct Cash Management
Sage Intacct is designed for growing businesses and enterprises. As part of its cloud-based financial management software, it offers a robust cash management module that provides real-time visibility into your company’s cash position.
With multi-entity and multi-currency support, it’s ideal for businesses with complex cash management needs, offering advanced insights into liquidity and working capital.
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Pros |
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Tracks cash balances and transactions across multiple accounts in real time Reduces manual effort through automated bank reconciliation Ideal for businesses with international operations or multiple subsidiaries |
Pricing can be expensive, making it less accessible for small businesses Advanced features may require training and may be complex for new users |
9. Datarails
Datarails is a financial planning and analysis (FP&A) platform designed to enhance and simplify cash flow management and reporting for finance teams.
By leveraging AI and real-time data analytics, Datarails enables you to improve cash flow visibility, scenario planning and decision-making.
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Intuitive interface and user-friendly visualisation tools Excel integration allows finance teams to work within Excel whilst benefitting from automation and real-time data Consolidates financial data for a complete overview of cash flow |
Works as an FP&A tool rather than a full accounting suite, requiring integration with other financial software Limited collaboration features for large teams Pricing less accessible for small businesses |
10. Centage
Centage is an FP&A software designed to help businesses with budgeting, forecasting and cash flow management.
The solution gives you automated cash flow forecasting, real-time financial insights and scenario planning, all of which help your finance team improve financial visibility and decision-making.
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User-friendly interface with visual dashboards Provides real-time insights and projections based on financial data Supports detailed budgeting and cash flow forecasting |
Price on request, making pricing less transparent Lacks advanced features for complex financial operations Limited scalability for larger organisations |
11. Oracle Cash Management
Oracle Cash Management is a robust solution designed for mid-sized to large enterprises. It’s part of the Oracle ERP suite, making it a particularly good choice for businesses with complex financial structures who already use the Oracle suite.
The solution offers advanced cash flow tracking, forecasting, reconciliation and much more.
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Pros |
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Real-time insights into cash positions across multiple bank accounts and entities Works seamlessly with Oracle Financials, Accounts Payable and Accounts receivable Ideal for global businesses managing multiple accounts in different currencies |
Designed for enterprises, making it expensive for small and mid-sized businesses Complex system requires training and expertise to use effectively Setup and customisation can require significant IT resources |
What to look for in a cash management solution
There are many cash management solutions on the market – but not all solutions are the right fit for your business.
Here are some of the most important things to look for when choosing your software:
- Easy implementation: The longer a tool takes to implement, the more expensive it is. Look for a cash management solution with a short implementation time and onboarding process.
- Real-time overview: This one’s important. To ensure your finance team is always on top of your company finances, look for a solution that offers a real-time, centralised overview of your bank accounts, digital wallets and financial activity.
- Time-saving automation: Traditional cash management can be time consuming. Choose a solution that automates transfers between bank accounts and other manual tasks to free up time for your finance team.
- Good value for money: Make sure you get the value you’re looking for. Compare the cash management solution’s pricing model with the value and features it offers and weigh the potential benefits against the cost.