Cashfac Liquidity Management

Cashfac Liquidity Management is an enterprise cash-management platform for organisations that operate pooled accounts, client money and multi-entity flows. It fits banks, financial institutions and large institutional operators better than small teams seeking a standalone forecasting tool. Its strongest case is the combination of virtual accounts, payment controls, forecasting and liquidity automation in one deployment, balanced against custom pricing and a substantial implementation.

Overview

Cashfac connects bank infrastructure with operational workflows for seeing, allocating and controlling funds. Pooled bank accounts can be represented as active virtual accounts, giving teams a consolidated view while they collect, identify and distribute client deposits. That is materially broader than a reporting-only cash dashboard.

The platform also covers automated payments and receipts, internal reconciliation based on double-entry principles, and investment of surplus cash while retaining funds needed for ongoing requirements. This breadth suits operations where client-money administration and liquidity decisions are inseparable. A business that only needs a simple cash forecast would be paying for scope it may not use.

Cashfac reports more than 10 bank partners, 700 corporate customers and 700,000 customer accounts. Its stated customer base includes banks, non-banking financial institutions, asset managers, pension providers and property-management firms, as well as public-sector, social-care and wealth businesses.

Key features

• Virtual accounts and pooling: A unified view of pooled accounts virtualised into active virtual accounts supports multi-entity structures and client-deposit allocation. It is useful when one physical banking arrangement must serve many identifiable balances.
• Forecasting: Real-time visibility into current and future cash flows helps compare expected inflows and outflows. This is most valuable to treasury teams making funding or investment decisions, rather than users looking for occasional spreadsheet forecasts.
• Payments and receivables: Automated payments include prepayment controls, while automated receivables provide visibility across the payment lifecycle. The combination can reduce manual intervention where transaction volumes are high, although configuration and integration will be central to the business case.
• Liquidity automation: Automated sweeping and target balancing are designed to optimise liquidity and returns on cash balances. These controls are aimed at disciplined treasury operations that need balances moved against defined targets.
• Bank integrations and reconciliation: Cashfac Q is a REST API suite for payment initiation, account lifecycle management, account inquiries and transaction tasks. Back-office-to-bank connectivity and double-entry reconciliation make it a fit for organisations that need banking activity reflected in internal records.
• Deployment and resilience: Customers can use cloud or on-premise deployment, hosting internally or at selected data centres. Cashfac describes a hosted service with a real-time active disaster-recovery site, offsite backups and tested recovery procedures.
• Security and support: Cashfac states that its information-security management system is ISO 27001 certified and audited internally and externally. It also describes FCA authorisation for account-information and payment-initiation services, plus a 24-hour service desk with three support tiers.

Pricing

Cashfac Liquidity Management uses custom pricing; prospective customers must contact Cashfac for a proposal. There is no published free tier, trial period, seat allowance or usage quota to compare, so budget fit depends on the intended entities, bank connections, workflows and deployment model.

This commercial approach makes sense for institutions with complex requirements and implementation support needs, but it gives smaller organisations no low-commitment way to validate the product. Cashfac describes rules-driven delivery as taking under 2–6 months and offers training and managed-service support, so buyers should plan for a project rather than an instant subscription.

Platforms

Cashfac supports web access, APIs and self-hosted deployment. Cloud hosting, internal hosting and customer-selected data-centre arrangements provide flexibility for institutions with strict infrastructure or governance requirements. The Q REST APIs are the practical route for connecting existing back-office systems and banks.

Who it's for

The platform is designed for banks and non-banking financial institutions, including asset managers, pension providers and property-management firms. It also names banking, investment and wealth, property management, public sector and social care, and pension administration as target industries. Multi-entity support, bank connectivity and cash-flow forecasting make it particularly relevant to organisations administering client money across several legal entities.

It is less suitable for a small company wanting a narrow forecasting application, a transparent self-serve price or a short trial. The integration work and delivery window favour buyers with established treasury, operations and technology teams.

Pros and cons

• Pro — broad operating scope: Virtual accounts, pooling, forecasting, payments, receivables, reconciliation and investment controls address the full liquidity workflow.
• Pro — deployment choice: Cloud, on-premise and customer-selected data-centre hosting can accommodate different security and governance models.
• Pro — integration depth: REST APIs cover payment initiation, account lifecycle functions and account inquiries, rather than limiting connectivity to exports.
• Pro — operational assurance: ISO 27001 certification, stated FCA regulation, tiered 24-hour support and hosted disaster-recovery measures support regulated operations.
• Con — no public price: Custom commercial terms make early comparison and budget planning difficult.
• Con — project-style delivery: A rules-driven implementation taking under 2–6 months is unsuitable for buyers needing immediate deployment.
• Con — enterprise complexity: Organisations with simple cash-visibility needs may find the operational and integration breadth disproportionate.

Alternatives

Consider TIS CashOptix instead if access across Android and iOS, as well as web and API platforms, matters to your users.

FinanceOS Treasury & Liquidity is another paid, web-based option when you prefer to define commercial scope directly with the vendor.

Choose Kyriba if a broad paid treasury product with Android, iOS, web and API access is the better fit.

Cash4 is a paid API and web alternative.

CashAnalytics may suit buyers seeking a paid web product with demo-led pricing.

Pick Embat Cash Flow Management when modular selection and a tailored proposal are preferable.

Fennech Treasury Intelligence is a paid web-based alternative.

Choose Moody’s Trade Credit when API and web access to business-credit reports is the priority, with enterprise or pay-as-you-go subscriptions.

Browse Liquidity Management Software for more options.

Verdict

Cashfac Liquidity Management is a strong choice for banks and institutional operators that need pooled-account virtualisation, controlled payments, forecasting and automated liquidity movements tied into existing banking systems. Its deployment flexibility, regulated positioning and API coverage reinforce that enterprise fit. Look elsewhere if you need published pricing, a quick trial or a lightweight forecasting tool; Cashfac is a configured, implementation-led purchase.