Cashfac Liquidity Management

Cashfac Liquidity Management is a cash-management platform for institutions that need to organise client funds, payments and liquidity across bank accounts. It is best suited to banks and financial firms with multi-entity operations; organisations seeking only cash forecasts may find its wider operational remit unnecessary.

Overview

Cashfac brings pooled bank accounts into a shared view of active virtual accounts, linking visibility with workflows for allocating and controlling funds. Alongside forecasting, it covers payments, receivables and internal reconciliation based on double-entry principles. Cashfac reports more than 10 bank partners, 700 corporate customers and 700,000 customer accounts, a scale that aligns with institutional rather than small-business use.

The platform can pool client accounts, collect and allocate deposits, and invest cash while retaining enough for ongoing requirements. That combination is useful where client-money administration and liquidity decisions are connected. It is less compelling for teams that need a standalone forecasting tool without the associated account and payment workflows.

Key features

• Virtual accounts and pooling: A unified view of pooled accounts represented as active virtual accounts supports deposit collection, identification and allocation. Multi-entity support suits operations that need to organise funds across clients or entities.
• Forecasting and liquidity controls: Forecasting provides real-time visibility into current and future cash flows against expected inflows and outflows. Automated sweeping and target balancing can help manage liquidity and returns on cash balances, making this more than a reporting layer.
• Payments and receivables: Automated payments include prepayment controls, while automated receivables provide visibility across the payment lifecycle. Bank integration and internal reconciliation support an end-to-end operating process, though that breadth will matter most to teams managing substantial payment volumes and client funds.
• Bank connectivity: Cashfac Q is a REST API suite for connecting back-office systems with banks, including payment initiation, account lifecycle management and account inquiries. It is relevant to organisations integrating banking tasks into existing systems.
• Deployment and oversight: Customers can use cloud or on-premise deployment and host applications internally or at chosen data centres. Cashfac PLC states that it is FCA-authorised and regulated as an Account Information and Payment Initiation Service provider, and that its information security management system is ISO 27001 certified and subject to internal and external audits.
• Support and resilience: A 24-hour service desk uses a three-tier structure for customer and partner queries or incidents. Cashfac says its hosted service has 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: Custom pricing; contact Cashfac for details. The paid, custom-solution approach means prospective customers should expect to discuss scope directly rather than select a published package. Cashfac describes rules-driven delivery as taking under 2–6 months, so this is a considered purchase rather than an immediate self-service option.

No per-seat charges, usage caps, trial period or renewal terms are established for this plan. Its suitability and total cost will depend on the customer engagement, which may be a drawback for buyers who need to compare fixed packages before speaking with sales.

Platforms

Cashfac is available through web and API access, with self-hosted deployment also supported. Cloud and on-premise options, including hosting at customer-selected data centres, give institutions deployment flexibility; the product is not positioned as a mobile app.

Who it's for

Cashfac serves banks and non-banking financial institutions, including asset managers, pension providers and property management firms. Its stated industries also include investment and wealth, the public sector and social care, and pension administration. It is a strong fit for institutions managing client deposits across entities that need bank connectivity, payment controls and liquidity operations in one platform. Smaller organisations or teams focused on basic forecasting may be better served by a narrower product.

Pros and cons

• Pro: Combines virtual accounts, cash pooling, forecasting, payment workflows and reconciliation, addressing connected parts of institutional cash operations.
• Pro: Cloud, on-premise and customer-hosted deployment options give institutions a choice over where applications run.
• Pro: Cashfac states that it has FCA authorisation and ISO 27001 certification, and describes round-the-clock support and disaster recovery arrangements.
• Con: Custom pricing makes costs harder to compare without a sales discussion.
• Con: Rules-driven delivery is described as taking under 2–6 months, which may not suit buyers needing a rapid rollout.
• Con: Its institutional breadth may be unnecessary for organisations that only need a focused cash-forecasting tool.

Alternatives

For a broader category comparison, see Liquidity Management Software.

• TIS CashOptix is another paid option, with Android, iOS, web and API platforms; consider it if those platform choices better match your requirements.
• FinanceOS Treasury & Liquidity is a paid web option with commercial scope discussed directly; it may suit buyers who prefer to define scope in a conversation.
• Kyriba is a paid option available on Android, iOS, web and API, with custom pricing and a demo request; consider it if those platform options fit your operation.
• Fennech Treasury Intelligence is a paid web alternative.
• PMC Analytics Cash Management is a paid web alternative with pricing by demo request; consider it if you want to discuss the product before getting a price.
• Agicap is a paid option for Android, iOS, web and API, with a free trial but no free plan. Its subscription is an annual offer with a minimum 12-month term, so it may suit buyers comfortable with that commitment.
• Embat Cash Flow Management is a paid web option with a tailored modular plan; consider it if choosing modules around a specific use case is preferable.
• Moody’s Trade Credit is a paid API and web option offering enterprise subscriptions or pay-as-you-go; consider it if that commercial model fits your needs.

Verdict

Choose Cashfac if you are a bank or financial institution managing client cash across entities and want virtual accounts, liquidity controls and payment workflows connected to bank infrastructure. Its operational breadth and deployment choices are the strongest reasons to consider it. Look elsewhere if you need a quick, narrowly focused forecasting tool or require transparent package pricing before engaging a vendor.