Cashfac Liquidity Management

Overview

Cashfac connects bank infrastructure with workflows for viewing, allocating and controlling funds. It combines pooled-account visibility with cash forecasting, payments, receivables and reconciliation, so it is aimed at organisations whose liquidity operations extend beyond forecasting alone. The company reports more than 10 bank partners, 700 corporate customers and 700,000 customer accounts.

The platform can pool client bank accounts, collect and allocate deposits, and invest cash while retaining enough for ongoing requirements. That makes it relevant where managing client money and liquidity are linked; teams seeking a narrow forecasting tool may not need this operational breadth.

Key features

• Virtual accounts and pooling: Pooled bank accounts are presented as active virtual accounts, with support for multi-entity operations. This can help teams organise and allocate client deposits without treating each pooled account as an isolated view.
• Forecasting and liquidity controls: Cash forecasting gives real-time visibility into current and future flows against expected inflows and outflows. Automated sweeping and target balancing help optimise liquidity and returns on cash balances, which suits teams coordinating balances across accounts.
• Payments, receivables and reconciliation: Automated payments include prepayment controls, while receivables provide lifecycle visibility. Bank integration and internal reconciliation based on double-entry principles make the product relevant to operations that need payment execution and accounting control together.
• REST APIs: Cashfac Q APIs support payment initiation, account lifecycle management, account inquiries and banking tasks. The REST API approach is useful for connecting existing back-office systems to banks, though the stated scope does not establish compatibility with any particular stack.
• Deployment and oversight: Customers can use cloud or on-premise deployment, host applications internally or choose their own data centres. Cashfac PLC says it is FCA-authorised and regulated as an account information and payment initiation service provider; its information security management system is ISO 27001 certified and subject to internal and external audits.
• Service continuity: Cashfac describes a 24-hour, three-tier service desk and, for its hosted service, a real-time active disaster recovery site, offsite backups and tested recovery procedures. Training and managed-service support are also offered.

Pricing

Cashfac Liquidity Management is a custom solution with custom pricing; prospective customers should contact Cashfac for details. That sales-led model fits organisations with complex requirements better than teams needing an immediately comparable, self-serve subscription. No separate lower-cost plan or free option is given.

Cashfac describes rules-driven delivery as taking under 2–6 months. Buyers should weigh that timeframe against their implementation needs and plan for a project rather than assuming rapid activation.

Platforms

Cashfac supports API, self-hosted and web platforms. Cloud and on-premise deployment, including hosting at customer-selected data centres, gives infrastructure teams options for fitting the service to existing operating arrangements.

Who it's for

Cashfac names banks and non-banking financial institutions among its users, including asset managers, pension providers and property management firms. Its stated industries also include banking, investment and wealth, public sector and social care, and pension administration. The strongest fit is an organisation that needs multi-entity cash pooling, bank connectivity, forecasting and controlled payments in one platform.

It is a less natural choice for a small team seeking a low-cost, stand-alone forecast product or a fast, standardised rollout: custom pricing and a rules-driven delivery process point to a more involved purchase.

Pros and cons

• Pro — Broad liquidity operations: Virtual accounts, cash pooling, forecasting, payments, receivables and reconciliation address connected workflows rather than visibility alone.
• Pro — Flexible deployment: Cloud, on-premise and customer-selected hosting provide meaningful infrastructure choice.
• Pro — Bank-facing integration: REST APIs cover payment initiation and account-management tasks, supporting connection to back-office systems.
• Con — Custom pricing: Buyers must engage Cashfac to establish cost, limiting quick budget comparisons.
• Con — Delivery requires planning: The stated under 2–6 month rules-driven timeframe may not fit teams needing a short implementation cycle.

Alternatives

Compare liquidity management software if you want to assess the wider category before choosing a platform.

• TIS CashOptix is another paid option with Android, iOS, web and API platforms; consider it if those platform choices are central to your selection.
• Cash4 is a paid API and web option with an unpublished plan price; consider it if you want to compare another bank-connected cash management product.
• Kyriba is paid, supports Android, iOS, web and API, and offers custom pricing by demo request; consider it if those platform options suit your team better.
• Pegasus Insights offers a paid Small Business monthly plan starting at 199.00 USD per month, with QuickBooks and Plaid integration, cash actuals, forecasting and AR/AP analytics. Choose it if that defined small-business package and price point suit your needs.
• Moniflow Super Flow Treasury is paid, with a starter model based on a monthly platform fee, one-time setup fee and a share of verified savings. Consider it if that usage-linked commercial structure is preferable.
• Agicap is a paid option with a free trial, web, mobile and API platforms, and an annual offer with a minimum 12-month subscription. It may suit buyers who value a trial before committing to that term.
• FinanceOS Treasury & Liquidity is a paid web option with commercial scope handled through a conversation.
• PMC Analytics Cash Management is a paid web option with pricing handled through a demo request.

Verdict

Cashfac Liquidity Management is a strong candidate for banks and financial institutions coordinating pooled client funds, virtual accounts, payments and liquidity across entities. Its main reason to choose is the combination of operational breadth, REST APIs and deployment flexibility; its main reason to look elsewhere is the custom, implementation-led purchase, especially if you need transparent pricing or a faster standard rollout.