Top Free Treasury Management Systems

Agicap

Agicap is the leading all-in-one modular Cash Flow and Treasury Management platform worldwide. Our AI-powered platform offers a Cash Flow Management core solution (bank connectivity, cash balancing, cash forecasts). It also includes a complete range of Accounts Payable and Accounts Receivable automation solutions in order to improve your company's cash performance: supplier invoice management, card spend management, cash collection, DSO analytics, etc. Agicap integrates and consolidates data from multiple sources and develops synergies between Products to meet all your cash challenges. - Banking Connectivity - Accounting Software & ERP Connectivity - Cash Flow Management - Cash Flow Planning - Accounts Payables Automation - Accounts Receivables Automation Since 2016, +8 000 SMEs and Mid-Market customers all across the world trust us. U.S. office: Austin (TX) European offices: Lyon (FR), Berlin (DE), Milan (IT), London (UK), and Barcelona (ES)

Average Rating: 4.4/5.0

Total Reviews: 379

Atlar

Atlar is the AI-native treasury platform that helps finance teams manage payments, cash, forecasting, and bank connectivity — all in one place. Built for modern teams at scaling companies, Atlar is a treasury management platform that replaces spreadsheets, bank portals, and manual workflows with real-time automation and visibility. It connects directly to banks and ERPs to centralize treasury and finance operations, helping teams move faster, reduce risk, and make better cash decisions. Finance and treasury professionals use Atlar to run global payments, automate reconciliation, track cash positions across entities and currencies, and forecast with confidence. Whether managing liquidity, passing audits, or scaling operations, Atlar provides the control and clarity needed at every stage of growth. Atlar is trusted by teams at companies like Acne Studios, Forto, GetYourGuide, Mangopay, Storytel, Tide, and Zilch. They’ve replaced repetitive tasks with real-time workflows and transformed treasury from a cost center into a strategic driver of growth. Key features and benefits include: – Real-time visibility into global cash positions and forecasts across accounts, entities, and banks. – Direct integrations with leading banks and ERPs like NetSuite for streamlined data and payment flows. – Automated payment operations, from approval workflows to execution and reconciliation. – Stronger financial controls with standardized processes and audit-ready oversight. – Liquidity optimization tools to better manage pooling, intercompany flows, and working capital. Atlar is headquartered in Stockholm and backed by Index Ventures and General Catalyst. It is a preferred partner of industry leaders such as NetSuite, Citi, Nordea, and others.

Average Rating: 4.8/5.0

Total Reviews: 71

Treasury Suite cash managment software

Treasury Suite is a comprehensive treasury management software designed to simplify and enhance financial operations for businesses of all sizes. With its user-friendly interface and powerful analytics, Treasury Suite enables organizations to manage cash flow, bank accounts, and financial data efficiently. The platform offers real-time insights and forecasting tools, empowering users to make informed financial decisions with confidence. By automating routine tasks and providing advanced reporting capabilities, Treasury Suite helps businesses optimize liquidity, reduce costs, and improve overall financial performance. Key Features and Functionality: - Bank Account Management: Centralized control over all bank accounts, allowing users to manage transactions, monitor balances, and reconcile accounts seamlessly. - Cash Forecasting: Advanced analytics and predictive modeling to accurately forecast future cash flows, enabling proactive financial planning and risk management. - Bank Fee Benchmarking: Automated analysis of bank invoices to identify cost-saving opportunities and enhance relationships with financial institutions. - Cash Management: Intuitive tools to optimize liquidity and streamline financial operations, ensuring efficient cash flow management. - Connectivity as a Service : Secure and scalable connections with financial institutions, providing real-time data access and integration. - Current Day Reporting: Real-time insights into financial positions, allowing prompt responses to cash flow changes. - Historical Analysis: Tools to analyze past financial data, aiding in data-driven decision-making and strategic planning. Primary Value and Solutions Provided: Treasury Suite addresses the complexities of financial management by offering a streamlined, cost-effective solution that reduces manual processes and enhances accuracy. By providing real-time data and comprehensive forecasting, the platform enables businesses to anticipate liquidity needs, identify potential cash shortfalls, and optimize working capital. Its robust security measures ensure the protection of sensitive financial information, giving users peace of mind. Ultimately, Treasury Suite empowers organizations to make strategic financial decisions, improve operational efficiency, and achieve greater financial stability.

Average Rating: 4.5/5.0

Total Reviews: 3

TreasuryView

TreasuryView is debt and treasury management software that helps finance teams automate the tracking, valuation, and reporting of bank loans, intercompany funding, and interest rate derivatives, using pre-integrated global market data. TreasuryView functions as a centralized system of record for finance, controlling, and treasury professionals at mid-market organizations managing multi-entity debt and derivative structures. Core users include commercial real estate firms, family offices, and private equity groups, alongside public sector treasury teams, financial services, and logistics companies, typically organizations tracking 15 to 300+ loan facilities across multiple entities, currencies, and counterparties, for whom spreadsheet-based tracking has reached its limits. The platform consolidates bank loans, intercompany funding, and interest rate derivatives, including swaps, caps, and collars, into a single reporting workspace, with bidirectional lender and borrower tracking for intercompany positions across legal entities. By integrating end-of-day market data covering a broad range of benchmark reference rates directly into the platform, TreasuryView removes manual data entry for interest accruals, payment schedules, and instrument valuations. A built-in calculation engine automates these calculations, which are typically error-prone when tracked manually in spreadsheets. Common use cases include automating monthly accrual and balance calculations ahead of close, valuing interest rate swaps and caps for quarterly and year-end financial statements, preparing audit-ready documentation ahead of external reviews, and consolidating intercompany positions into group level reporting. Because valuations are refreshed with end-of-day market data, finance teams maintain current visibility into portfolio risk during periods of rate volatility, without manually re-running calculations. Key capabilities include: Automated debt lifecycle management: calculates cash-flow schedules, interest accruals, and rate resets for bank loans and intercompany funding, without manual formula updates or cell-by-cell tracking Bidirectional intercompany loan tracking: consolidates lender and borrower positions across legal entities and currencies into a single Transaction Register Integrated market data from 30+ global sources: end-of-day valuations for interest rate swaps, caps, collars, and FX instruments, supporting a wide range of benchmark reference rates, including EURIBOR, SOFR, and SARON Board-ready reporting: consolidates transaction-level data into standardized reporting packages in minutes, not days Scenario modeling: models the impact of interest rate movements across the full debt and derivative portfolio without manual formula rebuilding Audit trail and access controls: timestamped change logs and role-based access designed to support monthly close cycles and external audit requirements Unlike traditional enterprise treasury systems that require lengthy IT implementation projects, TreasuryView is designed for self-service deployment. Transactions can be captured directly through an easy to use interface or imported in bulk from existing spreadsheets, with no IT involvement required. Customers are typically live within days, with first results visible within 24 hours of entering or uploading loan data. The platform is offered on a monthly subscription, cancellable at any time, starting from €250/month, pricing designed to sit below typical corporate credit card approval limits, so finance teams can get started without a formal procurement or budget approval cycle.

Average Rating: 4.5/5.0

Total Reviews: 2

Pile

Pile provides treasury management software for startups and VC's to maximize the use of their money, keep it safe and diversify it through different banking solutions. With Pile, companies can invest their capital in fixed corporate deposits through partner banks, and benefit from a fixed interest rate until the end of the term. Pile offers customers a treasury cockpit with the financial software solution, through which they can manage and monitor all their funds and investments. In addition, through the Earnings program, they receive returns on their deposits, with full flexibility and constant access to their capital.

Average Rating: 5.0/5.0

Total Reviews: 1

Finvisage

Optimize your hedging strategies by linking your exposures with hedges and create an optimal strategy for mitigating risk.

Average Rating: 4.5/5.0

Total Reviews: 1

Flick

Flick Network is a Peppol-certified B2B eInvoicing and tax compliance SaaS platform that helps businesses meet government eInvoicing mandates without disrupting their existing finance operations. Headquartered in Dubai, Flick connects your ERP to tax authorities and trading partners through a single, secure compliance layer. Built for enterprise ERPs - Flick integrates with Oracle EBS, Oracle Fusion, and other leading ERP, accounting, and POS systems to automate invoice generation, validation, transmission, and archiving. Finance teams keep working in the systems they already use while Flick handles XML/UBL conversion, Peppol network exchange, real-time clearance and reporting, QR code generation, cryptographic stamping, and audit-ready storage. Key capabilities: - Peppol Access Point for compliant B2B and B2G invoice exchange - Real-time invoice validation against local tax authority rules - Accounts payable (AP) and accounts receivable (AR) eInvoicing automation - Multi-entity, multi-country compliance from one dashboard - Secure cloud deployment on Oracle Cloud Infrastructure (OCI), with private cloud options for regulated industries - Dedicated implementation, onboarding, and local support teams

NextHive Cash Forecasting

NextHive Cash Forecasting is an AI-powered treasury platform for multi-entity, multi-currency cash and liquidity forecasting. It consolidates cash positions across operating companies, models rolling forecasts, runs scenarios, and routes forecast versions through approval workflows — one trusted view of cash for finance and treasury teams.

Nordkap

Nordkap is a user-friendly and cloud-based treasury management system purposefully designed to make debt management for the real estate companies’ a whole lot easier.

PeerNova Cuneiform Platform

Cuneiform® is a zero-code, decision-science platform that enables business users to monitor their data-quality metrics, evaluate whether data is fit for business purposes, identify and resolve high-impact exceptions, perform faster root-cause analysis, and ensure continuous data reliability through monitoring and trend analytics. Cuneiform is used for valuation risk (financial industry), data quality monitoring, Customer Relations Management (CRM), and Data Cloud.

Previo Finance

Previo Finance is cash flow forecasting software for small businesses and freelancers in Italy. It builds a 12-month rolling forecast from customers, suppliers, payroll with social contributions, fixed expenses and Italian taxes (quarterly VAT, F24 deadlines, regime forfettario), shows base, optimistic and pessimistic scenarios side by side, and warns you before cash runs low. Connect Fatture in Cloud to import invoices, and your bank via Open Banking (PSD2, read-only through finAPI) to compare the forecast with real balances. A decision simulator tests hires, cost cuts and payment delays before you make them; a sales pipeline adds weighted deals to the forecast; AI categorises bank transactions and suggests forecast adjustments that you confirm. Reports export to PDF and Excel. Data hosted in the EU (Ireland). Available in Italian, English, French, German, Spanish and Portuguese. EUR 34/month or EUR 340/year, 30-day free trial with no card required.

Primary

Primary is the command & control centre for finance teams. Our platform provides a unified experience for financial operations, yield, insights, FX & more, to help ambitious businesses reduce manual workflows and unlock additional revenue streams. Powered by products from BlackRock, Goldman Sachs, State Street & more, businesses on Primary unlock up to 4.5% in yield and extend their runway. Primary works with companies like Euc, Constantinople, Qwilr, Leonardo, Marqo and Neara.

Tidely

Tidely is a software for professional cash flow management that helps companies to actively manage their financial success in real time. The tool is aimed at start-ups, SMEs and entrepreneurs. The software uses AI-based cash flow forecasting to forecast available cash for the coming days, weeks or years. The effects of specific business decisions on liquidity can be run through with the help of scenario analyses. Tidely gives users control over their liquidity. Through seamless integration with over 5,000 banks and all common ERP systems, Tidely enables easy synchronisation of all financial data and thus becomes a reliable control instrument for all financial business decisions. All this without complex Excel forms, a setup effort of only 60 minutes and first-class customer support in German and English! A free software demo version can be requested via the website. There are four bundles available starting from €45 per month for users to choose from.

Average Rating: 4.8/5.0

Total Reviews: 2

Treasury4 TMS

Treasury4 TMS is a modern, cloud-native treasury management system built by practitioners for treasury and finance professionals. It offers a centralized platform that unifies all essential treasury functions—cash, entity, account, payments, and forecasting—in one intelligent hub. Key Features Entity4: A system of record for legal entities, banking metadata, signatories, and account relationships—automating KYC/FBAR compliance and maintaining a clean entity structure Cash4: Real-time global cash management with advanced transaction categorization, visibility across bank and investment accounts, dashboards, forecasting, and streamlined reconciliation Payments4: A sophisticated payment module. It handles high-value, low-volume treasury payments with automated workflows, approvals, compliance tracking, visibility, and seamless integration with Cash4 so every payment ties back to cash positions Cloud-native, API-first, bank-agnostic infrastructure, enabling fast onboarding (days to weeks) and minimal IT involvement, unlike legacy systems that often take months or longer to implement