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Today
This week’s activity
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Accounts
›
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Brand Comparison
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Cash placementSample
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Receivables
Who Owes You Money
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Commitments
Departments: Installation vs Maintenance
Revenue per department this month, vs the same month last year
Reading your books…
Scheduled payments
Bring your own forecast
Forecast Builder
Your forecast as a spreadsheet, refilled with every bank transaction. Download it for your lender.
Saved·
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Line Item
Series
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TipType a number into any cell. Saves automatically. Past weeks fill from your bank data. Push to Excel downloads a workbook with one sheet per tab above plus a summary, ready for your CEO or lender.
Bring your forecast
Upload your Excel workbook. We'll detect sheets, line items, and weekly columns automatically. You'll see exactly what we read before anything imports.
Your workbook stays in your account. We keep it so exports come back in your exact layout, and it's deleted with your account.
Watch us read a sample workbook (no upload needed)
Reading your workbook…
Map your forecast manually
We'll walk you through three quick confirmations.
1Header row
2Date range
3Line items
Step 1 of 3: Which row has your weekly dates?
Click the row that contains the date headers (e.g. 5/4/2026, 5/11/2026…). The row pre-selected below is our best guess.
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Step 2 of 3: Which columns hold the weekly numbers?
Click the first weekly column, then the last. We'll handle everything in between.
13columns starting May 4, 2026 through Jul 27, 2026
Cadence
Step 3 of 3: Which rows are your line items (Receipts, Payroll, etc.)?
We pre-checked rows that look like inflows or outflows. Adjust as needed; uncheck anything that's a section header or subtotal.
Add an investment held elsewhereA pooled fund or custody balance no bank feed reaches. Counts toward liquidity, never toward spendable cash.
Recurring Payment Detected
Recurring outflow detected
Confirm to include in your 13-week forecast as a pinned commitment.
13-week forecast
Building your forecast…
Debt
Not in the forecast
Reading your debt schedule…
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Enter the terms once, off your loan statement. The balance, the next payment and anything maturing inside a year track themselves, and the debt service shows beside your 13-week forecast (your history already contains the payments you have been making).
Investments held elsewhere
Statement balances and dates. Counted in liquidity, not spendable cash.
Reading your holdings…
Scheduled payments
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All scheduled payments
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Compare bank outflows with your targets or historical monthly averages.
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Set a monthly target per category; leave blank to skip.
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P&L · bank dates
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Monthly profit A month marked Not stated has deposits awaiting confirmation that could change its result, so no profit or loss is drawn for it.
Revenue
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Direct Costs
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Gross profit
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Operating Expenses
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Net Income · Cash
--
Categories
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Statement
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EstimateEstimated for day-to-day decisions, not a substitute for tax filings. Review with your accountant before filing.
Vendor Spend Analysis
Analyzing vendors…
Estimated annual bank fees
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Bank Fees You're Actually Paying
Scanning transactions for bank fees…
Receipt and payment timing
Computing metrics…
Balance-Sheet Ratios
From your QuickBooks balance sheet (accrual)
Reading your balance sheet…
Year over year
Revenue, margins and balance-sheet ratios by fiscal year, from your accrual QuickBooks books
Financial snapshot
Building your snapshot…
Forecast accuracy (last 4 weeks)
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Within ±10%
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Within ±25%
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Forecast vs Actual
How well last week's forecast matched what actually happened, week by week. Builds your CFO board-meeting confidence.
Every week we replay the forecast we'd have made before that week began, then compare it to what really posted. A green row means your cash was within ±10%, what every CFO board deck wants to be able to say.
Back-testing the last 4 weeks of forecasts…
General Ledger
Where the month stands
Reading your books…
Map your chart of accounts once
No two contractors name their accounts the same way, so we do not guess which of yours is direct field labor. Map them once (field labor, subcontractor, materials, overhead) and the panel computes gross margin, overhead, operating margin, net profit and EBITDA from your live QuickBooks P&L, labelled as a pre-close estimate until you lock the month. Anything left unmapped is named beside every figure, so you always know how much of the P&L the number covers.
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My books have no such account
Tick a bucket your chart of accounts genuinely does not carry; plenty of contractors have no amortization line. Ticking it states that bucket as a real $0. Leaving it alone keeps it honestly blank, and every figure that depends on it stays blank too. We never assume this for you.
Peer benchmarks
Your own peer-group figures, typed in by you. TreasuryFlow ships no industry data and never invents any; leave this empty and the comparison column simply does not appear.
What-If Planner
What happens to your cash if a customer doesn't pay, you hire someone, or sales slow down? Adjust the sliders to see the impact before it happens.
⚠ Severe scenario: results may show extreme outcomes
Results
Saved Scenarios
QuickBooks Online
Checking connection…
Connection management
Disconnecting stops QuickBooks imports. Review this only if you want to remove the connection.
Company: --
Connecting opens Intuit’s sign-in, which asks for its standard
QuickBooks accounting permission. Intuit doesn’t offer a
narrower read-only option. TreasuryFlow uses it to read
your accounts, invoices, bills, and P&L so they can be checked
against your live bank feed. Nothing is ever written to your books
unless you explicitly choose an action that says so.
Reads only, by design · Disconnect anytime · About 30 seconds
QuickBooks (booked)
Accounts Receivable
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Open invoices owed to you
Accounts Payable
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Bills you owe vendors
Net Position (AR - AP)
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Positive = net inflow expected
AR Aging Summary
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Open Invoices
Receivables awaiting payment
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Open Bills
Payables you owe
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Bank Reconciliation
Match QBO transactions against bank feeds
Click Auto-Reconcile to match your bank transactions with QuickBooks entries.
Xero
Checking connection…
Connection management
Disconnecting stops Xero imports. Review this only if you want to remove the connection.
Organisation: --
Accounts Receivable
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Open invoices owed to you
Accounts Payable
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Bills you owe vendors
Net Position (AR - AP)
--
Positive = net inflow expected
AR Aging Summary
Open invoices grouped by days overdue
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Xero Bank Accounts
Balances reported by your Xero ledger
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Open Invoices
Receivables awaiting payment
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Open Bills
Payables you owe
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Sales & events
Connect the platforms that pay you. POS settlements reconcile gross sales against the net deposits in your bank feed; booked events become a forward cash lane in your forecast.
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Close
Pick a month to start your close.
Monthly schedules
Preview a prepaid, fixed asset or deferred revenue schedule. Equal monthly allocation, in USD, with entries dated at month end.
Draft only. This preview is not saved and does not post to QuickBooks. Account labels are yours to verify; recognition policy needs your accountant’s review.
Books vs bank
Reading your bank and your books…
Needs a look
What explains the difference between bank and books.
Forecast accuracy
Internal transfers
Money moving between your own accounts.
Proposed fixesOne tap to clear. You approve every change.
Close checklist
Pick a month above to start your close.
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Sources
Where this came from
Your close checklist, saved for each month
Bank and QuickBooks reads behind Books vs bank
Bank files
Upload a check run to make the positive-pay file your bank accepts.
Step 1
Upload your check register
Export your check run from QuickBooks, Sage, or any AP system.
Step 2
Review the mapping
Confirm which column feeds each field. The preview below updates as you adjust.
Used only inside the generated file. TreasuryFlow never stores account numbers.
Step 3
Generate the file
The issue file downloads to your computer. Upload it in your bank's online banking.
Sources
Where this came from
The check register you upload
Your bank's positive-pay file layout, picked under Bank format
Send 0 briefs?
Each goes to that client’s billing contact, under
your firm’s brand.
briefs
that need your eyes are
held back
: they stay in your queue until you review them.
Every figure in these briefs was read directly from each client’s bank
and books. You can re-open any one before it sends.
Firm view
Monday briefs·Drafted overnight
—of hand-work drafted overnight: release the ready briefs to bank it.
0 ready to send··0 sent this week
Off (recommended).
Briefs are drafted overnight and staged for your approval:
nothing reaches a client until you send it.
Turning it on records your preference to auto-send the GREEN
“ready” briefs each Monday and leave only the ones that need
your eyes. You stay in control of every amber.
We count about 55 minutes saved per brief
you release: the time it takes to pull the numbers, write the note,
and send it by hand.
It’s an estimate, not a billing figure.
Monday briefs
Next auto-draft: Monday 6:00am
Clients needing you
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Active clients
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Avg runway
--
weeks · firm avg
Low runway
--
under 8 weeks
Close incomplete
--
This month
Growing clients
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inflows up 15%+
Filter by vertical:
Portfolio
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This Week's Movers
Cross-client anomaly intelligence: what's worth a phone call before noon.
Scanning every client for outliers…
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Per-client billing: only pay for active clients.
Firm branding (white-label)
Your firm name appears on client emails. Logo + color customize the client-facing look.
Slack notifications
Morning client digests + alerts in your team Slack. Paste an incoming-webhook URL.
Saved URLs are treated as a secret and never displayed back. Paste a new URL to update.
Audit trail
Every view, export, and change logged. Export to CSV for SOC 2 evidence.
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Your firm · owner
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Staff only see the clients you assign. They never see the rest of your roster, not even that those clients exist.
Add a Client
For a client whose bank access you already manage. You'll confirm you're authorized, then connect their bank and QuickBooks right after, no waiting on them.
We'll email them a magic link to securely connect their banks via Plaid. They appear in your roster the moment they connect.
Paste CSV with header row, columns: email,label. Up to 100 rows. Each gets a magic link.
Add a teammate
Add a junior accountant to your firm. You choose exactly which clients they can see. They'll never see the rest of your roster. They'll need their own free TreasuryFlow login first; add them here once they've signed up.
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0 of 0 selected
You can assign clients now or after they join. They'll see nothing until you do.
Integrations
Read-only by default. Never moves money. Revoke connections. TreasuryFlow reads from these systems. It never moves money, and it never writes to a connected system on its own. The only writes are changes you explicitly approve, labeled before they happen. Every connection is revocable here, immediately.
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Sources
Where this came from
Each connection's own last read, shown on its row
API connections
Connect an account or use your provider credential to read a source snapshot. Reads run on demand. These datasets stay separate from your cash balance, ledger and forecast.
Ask about your numbers in Slack. Bills for your bookkeeper, PM check-ins and receipt photos can come through Slack too. Only you, the account owner, can add or remove it.
People to review
Paste this key into the TreasuryFlow add-in for Excel or Google Sheets to pull your cash position into a spreadsheet. It has the same read-only access as everything else here. Generating a new key immediately replaces any previous one, so if you already use the add-in you'll paste the new key. Signed in with Google? Generate your first key here.
A second step at sign-in, from an app on your phone
On
With two-factor on, your password alone won't sign you in. You'll also enter a 6-digit code from an authenticator app (1Password, Google Authenticator, Authy, or your password manager). This protects email + password sign-in. It's optional, and off unless you turn it on.
Step 1: add TreasuryFlow to your authenticator
Open your authenticator app, choose “add account”, and enter this setup key by hand. On a phone you can tap the link below instead and your app will fill it in.
Save these backup codes now. This is the only time we can show them
Each code works once, and gets you in if you lose your phone. Store them where you keep other credentials, not in the same place as your password. If you lose both your authenticator and these codes, we have to verify who you are by hand and reset it for you; there is no self-serve way back in, on purpose.
Two-factor is on. You'll be asked for a code from your authenticator each time you sign in with your password.
Enter a current code from your authenticator (or one of your backup codes) to turn it off. Your password on its own isn't enough.
Banks & apps
Your business
Industry vocabulary
Business type
Job costing
Hold the morning email until reviewed
Team
Never your billing or bank credentials. They sign in with their own Google account and see your cash position, transactions and forecasts. Included in your plan. Revoke anytime.
Access View-only sees everything. A full editor can also categorize transactions and edit forecasts, budgets and entities. Bank and accounting connections stay with the account owner.
Accounting firms
Morning email
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Alerts
Refer a business
You get a free month when they subscribe.
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Close account
New Reporting Group
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Reporting groups
Group bank accounts into brands or companies. The View filter on the Cash home and the Brands comparison read them.
No groups yet. Create one to get started.
Add Scheduled Outflow
Set your cash floor
If a lender requires a minimum balance, we'll watch your 13-week low against it (deterministic, summed from posted bank transactions).
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We'll review this at our next board meeting.
Edit bank
Rename and/or tag the role for Bank. Role controls the Spendable / Restricted / Invested split.
Changing the role re-buckets this account in the dashboard header immediately.
Remove Bank?
Disconnecting stops live sync. Choose what to do with historical transaction data.
Daily Reconciliation
Posted transactions only. Ties to the bank statement.
Keyboard Shortcuts
Open command palette⌘K / Ctrl+K
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