9 Best Liquidity Management Software & Tools Of 2025

Is your treasury team still logging into five different bank portals every morning to check cash balances? Still updating spreadsheets manually to figure out your liquidity position? You're not alone, but there's a better way to work.

Modern cash and liquidity management software is changing how finance teams handle cash. These platforms use AI to automate forecasting processes, connect directly to your banks through SFTPs and APIs, and provide real-time visibility into every cash flow across your organization. 

This guide breaks down the top liquidity management software available in 2026. We'll examine what each platform does well, who it's best suited for, and how the software operates.

Best Liquidity Management Software at a Glance

Managing liquidity across global banking relationships and entities is a critical yet often complex task for treasury and finance teams. Here are some of the best cash and liquidity management solutions available in 2026:

Software	Supports
HighRadius	Designed for enterprises with large transaction volumes that want AI-driven automation for forecasting, real-time cash positioning, and end-to-end liquidity planning
Kyriba	Supports cash and liquidity management for improved visibility and control.
Coupa	Supports cash visibility within a broader spend, procurement, and working capital management framework.
Nomentia	Supports centralized cash visibility, payments, and bank connectivity across global entities.
ION Group	Supports enterprise-scale treasury operations, including cash, risk, and payments management.
Bottomline	Supports secure payments, cash visibility, and bank connectivity for finance and treasury teams.
Trovata	Supports automated cash consolidation and simplified forecasting workflows.
GTreasury	Supports integrated cash, risk, and payments management within a unified treasury platform.
FIS	Helps finance teams centralize bank data and manage day-to-day liquidity activities.

*List of leading cash and liquidity management software, arranged in no particular order

What Is A Liquidity Management Platform?

A liquidity management platform is software that centralizes all your cash data in one place. Instead of checking multiple bank portals and manually updating spreadsheets, these systems automatically consolidate all data. It enables you to see a real-time, comprehensive view of your  cash position across all banks, entities, and currencies.

These platforms integrate with your ERP system (like SAP or Oracle) and connect directly to your banks through APIs, SFTP, or SWIFT protocols. They use AI to forecast what your cash will look like next week or next month, so you can proactively plan instead of reacting to problems.

9 Best Liquidity Management Tools

Managing liquidity efficiently is key to ensuring financial stability and making faster, data-driven decisions. Here’s a detailed look at the top cash and liquidity management tools and their key features.

1. HighRadius 

HighRadius offers an advanced cash and liquidity management platform that provides enterprises with real-time control over cash and short-term funding. 

The platform automatically pulls cash flow data from your bank and ERP systems through direct integrations, eliminating the need for manual consolidation processes. You get real-time cash positioning across all your entities, and the AI flags potential liquidity gaps before they become problems. The system also handles multi-currency operations with FX rates, which is crucial if you're operating globally. What differentiates HighRadius is its network of AI Agents that autonomously manage high-volume treasury workflows, from downloading statements and classifying transactions to reconciling cash, forecasting liquidity, and generating GL entries. With 100% automated bank integrations, 98% transaction auto-tagging, and 98% daily auto-reconciliation, treasury teams experience a measurable lift in efficiency and control. 

Key Features:

• Automatically consolidate cash flow data from banks and ERPs for real-time cash positioning and highly accurate forecasts customized to your business needs.
• Automatically allocate cash to optimize liquidity usage and ensure complete visibility into cash allocation across multiple entities.
• Generate liquidity reports in real-time and track cash flow and liquidity metrics through customizable dashboards.
• Seamlessly integrate real-time cash data from banks and ERPs, automating reconciliations and streamlining workflows.
• Automatically detect liquidity shortfalls before they occur and maintain full audit trails for every cash flow transaction.
• Automatically consolidate and forecast cash across multiple currencies with real-time conversion rates for global liquidity insights.

Proven business outcomes

Up to 70% boost in treasury productivity, 100% global cash visibility, 100% automated bank integrations, 98% auto-creation and tagging of transactions, and 95% automated FBAR reporting, delivering faster decisions, stronger liquidity control, and consistently accurate financial operations.

2. Kyriba

Kyriba offers a cloud-based treasury and cash management platform designed to provide real-time visibility into global liquidity. It helps finance and treasury teams optimize cash positions, forecast more accurately, and manage payments securely across multiple banks and entities. With built-in automation, Kyriba enables more effective liquidity planning and risk management.

Key Features:

• Centralized cash positioning and forecasting
• Automated bank connectivity and reconciliation
• Global payments and liquidity management
• Real-time reporting and analytics

3. Coupa

Coupa provides a unified treasury and liquidity management solution that brings cash oversight and payment operations into one platform. It helps organizations align cash management with spend and procurement activities, offering a centralized view of payments, liquidity, and working capital. The system supports automated workflows and standardized processes across finance functions.. s.

Key Features:

• Consolidated visibility into cash and payments
• Short-term forecasting and liquidity planning
• Integrated payment execution and approval workflows
• ERP integrations with SAP, Oracle, and NetSuite

4. Nomentia

Nomentia delivers a security-focused liquidity management platform designed for organizations that prioritize compliance and controlled data exchange. If you operate in a regulated industry, Nomentia's liquidity management software is designed to meet these needs.

The platform offers consolidated cash visibility and facilitates daily treasury operations through secure bank connectivity.

Key Features:

• Automated multi-bank connectivity and balance retrieval
• Short-term liquidity planning for daily cash decisions
• Payment processing with multi-level controls
• Integrations with SAP, Microsoft Dynamics, and other ERPs

5. ION Group

ION Group provides an enterprise-grade treasury and risk management platform suited for multinational organizations with complex financial operations. It supports comprehensive liquidity planning alongside advanced risk management tools for FX, interest rates, and hedging activities, enabling integrated control across global treasury functions.

Key Features:

• Consolidated global cash and liquidity visibility
• Short- and mid-term liquidity forecasting
• Integrated FX, interest rate, and risk management workflows
• Advanced reporting for governance, audit compliance, and regulatory filings

6. Bottomline

Bottomline offers a payment and cash management platform focused on simplifying bank connectivity and centralizing payment operations. It provides real-time access to bank data, supports multiple payment formats, and helps finance teams monitor liquidity while maintaining secure, compliant workflows.

Key Features:

• Multi-bank connectivity with automated balance updates
• Cash positioning and short-term liquidity tracking
• Integration options for ERP and financial systems
• Reporting for audit readiness and operational visibility

7. Trovata

Trovata is a cloud-native liquidity platform. It provides intuitive dashboards, automated forecasting, and search-driven insights, making it suitable for mid-sized and growing organizations looking to move beyond spreadsheets. I

Key Features:

• Direct API connectivity for real-time balances and transactions
• Automated cash forecasting and trend analysis
• Scenario modeling for liquidity outcomes
• Integrations with NetSuite, SAP, QuickBooks, and more

8. GTreasury

GTreasury provides a treasury and liquidity management system designed to give organizations real-time visibility into cash and financial exposures. With multi-bank connectivity and integrated forecasting tools, it supports both day-to-day cash decisions and longer-term liquidity planning.

Key Features:

• Automated bank feeds and transaction updates
• Cash positioning and rolling liquidity forecasts
• Scenario analysis for funding and risk strategies
• Reporting tools for transparency and compliance

9. FIS

FIS offers a treasury and liquidity management platform designed to help organizations streamline cash visibility and standardize treasury operations. By centralizing bank data and forecasting workflows it enables finance teams to manage liquidity consistently across global entities.

Key Features:

• Multi-bank connectivity for consolidated cash positions
• Short-term liquidity forecasting with configurable models
• Payment initiation and approval workflows within a controlled environment
• Reporting capabilities for audit readiness and operational oversight

Key Features of Liquidity Management Tools

Modern cash and liquidity management platforms come equipped with automation, real-time data connectivity, and AI-driven intelligence to reduce manual effort and improve cash precision. Here are essential features to look for in a liquidity management solution:

Real-Time Cash Visibility

A single dashboard showing every bank account, every entity, and every currency. When all your cash data is consolidated in one system, you can make decisions fast instead of waiting for someone to update a report. This eliminates those "wait, how much do we actually have?" moments and reduces dependency on manual processes.

Automated Cash Forecasting

The software uses AI and machine learning to predict your cash flow. These systems analyze your historical patterns, seasonal trends, and current transactions to forecast future liquidity. Automated workflows enable you to spot cash shortages weeks in advance, not the day before liabilities are due.

Multi-Bank Connectivity

The software should connect directly to your banks through SFTPs, APIs, SWIFT, or host-to-host protocols. No more downloading bank statements and uploading them manually. The system should automatically pull transaction data through these integrations, ensuring your cash position is always current and accurate.

Advanced Analytics and Reporting

The software should provide dashboards that display trends in cash usage, forecast accuracy, and indicate whether you are over or under projections. The system should provide advanced analytics capabilities that enable you to optimize working capital and demonstrate to leadership that treasury is delivering tangible value.

ERP and Treasury System Integration

The platforms should integrate seamlessly with any ERP system you're using (SAP, Oracle, NetSuite, Microsoft Dynamics). Proper integration means no more reconciliation headaches and no more data living in silos.

How to Choose the Best Cash and Liquidity Management Platform

Choosing the right cash and liquidity management platform is crucial for enhancing cash visibility, improving forecasting accuracy, and enabling more informed decisions regarding working capital. Here are key factors to consider when evaluating a solution:

• Identify liquidity challenges: Determine whether your primary gaps involve scattered bank data, unreliable forecasts, slow reporting cycles, or limited visibility across entities to align features with your needs.

• Assess forecasting intelligence: Look for tools that automate cash projections, incorporate historical patterns, and update positions in real time to reduce manual adjustments and improve planning accuracy.

• Validate bank and ERP connectivity: Ensure the platform integrates seamlessly with your banking network and core financial systems so balances, transactions, and GL data stay synchronized.

• Consider scalability and global support: Select a system that scales with your business and can manage multiple currencies, entities, and banking relationships without compromising performance.

• Review analytics and reporting capabilities: Advanced dashboards, variance analysis, and scenario modeling help treasury leaders make informed decisions and respond quickly to changing cash conditions.

• Check security and compliance standards: Features such as role-based access, encryption, audit trails, and regulatory alignment are essential for protecting financial data and ensuring internal controls are met.

• Evaluate usability and collaboration: A clean interface, guided workflows, and cross-team access enable faster adoption and support daily liquidity tasks without steep learning curves.

• Assess vendor reliability and ongoing support: Look for proven implementation experience, responsive support, and frequent product enhancements to ensure long-term platform value.

Summing Up

The right liquidity management platform changes how treasury operations are conducted. Instead of spending hours manually consolidating data and building forecasts in Excel, you get real-time visibility, automated projections, and early warnings about potential problems.

As you evaluate options, focus on three key factors: integration with your existing banking and ERP infrastructure, the ability to scale as you grow, and analytics that actually inform your decision-making. The platform you choose will either make your team more strategic and efficient, or it'll become another system people complain about.

Take the time to get this right. A good liquidity management platform provides better cash control, enables smarter financial decisions, and frees up your team to focus on strategy rather than data entry.

How HighRadius Strengthens Global Cash Visibility with AI-Driven Cash and Liquidity Management Software

HighRadius elevates treasury operations with its AI–powered cash and liquidity management software, built to provide finance leaders with complete visibility into global cash positions and drive significant productivity gains. Instead of relying on scattered banking portals, manual files, or Excel trackers, the platform uses a network of autonomous AI agents that consolidate multi-bank data, classify and reconcile transactions, and post entries directly into the ERP—end-to-end.

With HighRadius, treasury teams can finally move beyond manual downloads and spreadsheet-based processes, gaining instant, real-time clarity into cash, liquidity, and working capital movements across all entities and regions.

AI Agents Powering Intelligent Cash & Liquidity Automation

Bank Statement Download Agent
Automatically connects with global banks to retrieve statements in formats like BAI2, MT940, CAMT, and CSV—eliminating manual uploads and file handling.

Transaction Classification Agent
Intelligently separates inflows and outflows to support accurate reporting, liquidity forecasting, and reconciliation.

Daily Cash Position Agent
Consolidates balances across accounts and surfaces expected transactions to maintain accurate, up-to-date liquidity positions.

Bank Reconciliation Agent
Automatically matches expected vs. actual cash movements using configurable logic, significantly reducing unmatched items and manual investigation.

Cash Accounting Agent
Creates and posts journal entries based on established GL rules to ensure compliant, audit-ready cash accounting.

Bank Account Administration Agent
Automates critical lifecycle actions—such as opening, closing, or updating bank accounts—while maintaining full documentation.

Financial Instrument Management Agent
Tracks loans, investments, and FX instruments and integrates their projected cash flows to support more reliable liquidity planning.

By embedding these autonomous AI agents directly into daily treasury workflows, HighRadius transforms fragmented cash operations into a predictable, real-time system. The result is advanced cash and liquidity management software that enhances visibility, accelerates decision-making, and provides finance teams with greater financial control, enabling them to shift from a reactive cash management approach to a more strategic, data-driven one.

FAQs on Best Cash and Liquidity Management Software

1. What is the best liquidity management software for enterprises and mid-market?

For enterprises and mid-market businesses, HighRadius offers an advanced cash and liquidity management software that provides real-time control over cash and short-term funding. The platform can also automatically pull cash flow data from your bank and ERP systems through direct integrations, eliminating the need for manual consolidation processes.

2. Can a liquidity management platform integrate with ERP systems?

Yes, most cash and liquidity management solutions integrate seamlessly with ERPs like SAP, Oracle, NetSuite, and Microsoft Dynamics. These integrations synchronize bank data, cash positions, forecasts, and payment information in real-time, reducing manual work and enhancing visibility for more accurate liquidity planning and informed decisions.

3. What types of companies benefit the most from liquidity management tools?

Companies with complex cash cycles or high transaction volumes benefit the most. Industries such as manufacturing, retail, logistics, CPG, and construction face frequent payment fluctuations, seasonality, and substantial working capital needs, making liquidity management tools essential for control and forecasting.

4. What is the difference between cash management and liquidity management?

Cash management focuses on daily operations, including monitoring bank balances, receivables, and payables, to ensure you have sufficient funds for immediate needs. Liquidity management takes a broader view, analyzing short-term assets versus long-term liabilities to determine the overall financial health and solvency of the organization.

5. Why do businesses need specialized cash and liquidity management software?

Growing businesses require specialized cash and liquidity management software, as manual spreadsheets are prone to errors and cannot scale effectively with increasing transaction volumes. This software automates data consolidation from multiple banks, provides real-time visibility into cash positions, and improves forecasting accuracy, reducing the risk of liquidity shortages.

6. What key features should I look for in cash and liquidity management tools?

When selecting cash and liquidity management software, look for these three essential features:

• Automated Bank Connectivity: To centralize data from all bank accounts in real-time.
• Cash Forecasting: AI-driven tools to predict future cash flows and variance.
• Scenario Planning: The ability to model "what-if" scenarios for stress testing liquidity.

7. How much does cash and liquidity management software cost?

Pricing for cash and liquidity management software typically follows a SaaS subscription model. Costs vary based on the number of users, bank connections, and transaction volume, with enterprise-grade solutions often requiring custom quotes. The ROI is usually driven by reduced idle cash and lower borrowing costs.