TreasuryFlow – AI CFO that runs in your spreadsheet, from $49/mo
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About TreasuryFlow – AI CFO that runs in your spreadsheet, from $49/mo
TreasuryFlow is an AI-powered cash management tool that connects directly to your bank accounts via Plaid to provide live cash balances, automated 13-week rolling forecasts, AI anomaly detection on vendor spending, and daily cash briefs. It operates as a forward-looking cash layer alongside any bookkeeper, integrating natively with Microsoft Excel and Google Sheets. Designed for CFOs at growing companies ($1M–$50M revenue), TreasuryFlow offers a $99/mo per company flat price with unlimited banks and team seats, a 90-day free trial, and read-only security. It fills the gap left by Bench’s shutdown, giving businesses daily cash visibility that bookkeeping tools alone cannot provide.
Key Features
Live bank balance via Plaid, refreshed every morning including pending transactions
13-week rolling forecast auto-built from 90 days of real bank history
AI anomaly detection on vendor spending with daily alerts
Native Microsoft Excel Add-in and Google Sheets export for live data in existing templates
AI nightly categorization at low temperature (deterministic, not 'best effort')
Read-only access (cannot move money), SOC 2 compliant infrastructure, encrypted at rest and in transit
Unlimited banks and team seats included per company
Scenario planning: save up to 5 scenarios, compare side-by-side
Daily cash digest brief with AI chat and morning email
Pairs with any bookkeeper (Pilot, Decimal, in-house, CPA) for complete financial operations
Pros & Cons
Pros
- Direct bank connection via Plaid ensures up-to-date balances, no accounting software lag
- Quick setup: live in 5 minutes, no multi-week implementation needed
- Affordable flat pricing ($99/mo per company) compared to enterprise tools costing $24K–$100K/year
- Works inside Excel/Google Sheets, leveraging existing workflows without requiring new software
- Read-only access ensures security (cannot move money, disconnect anytime)
- SOC 2 compliant infrastructure with encryption at rest and in transit
- Unlimited banks and team seats included, no per-seat or per-bank fees
- 90-day free trial with no credit card required and full access
Cons
- SOC 2 certification is not independently completed yet (infrastructure is SOC 2 Type II compliant on Google Cloud)
- Does not provide bookkeeping or GAAP financial statements; must be paired with a separate bookkeeper
- Pricing is per company, which can add up for multi-entity businesses (though flat per entity)
- Read-only limitation means it cannot automate payments, transfers, or initiate transactions
- Requires Plaid-compatible bank accounts; may not support all banks
Best For
Businesses migrating off Bench that need cash visibility gap filledCFOs at companies with $1M–$50M revenue requiring daily cash position and forecastManaging multiple entities (holdco, opco, property LLC) from one dashboardFirms managing multiple client companies with white-labeled reportingConstruction firms needing accurate cash data for payroll and vendor paymentsAny business wanting forward-looking cash forecast without enterprise implementation
FAQ
Does TreasuryFlow replace my bookkeeper?
No. TreasuryFlow is a forward-looking cash layer that pairs with any bookkeeper. Bookkeeping handles reconciliation and financial statements; TreasuryFlow provides daily cash visibility, forecasts, and anomaly alerts. They run independently.
How does TreasuryFlow connect to my bank?
Through Plaid, the same infrastructure used by Venmo and Robinhood. You connect your bank accounts in about 2 minutes. TreasuryFlow has read-only access and cannot move money or see passwords.
What is the pricing?
$99 per month per company. Each company is one cash position with unlimited banks and team seats included. There is a 90-day free trial with no credit card required.
Can I use TreasuryFlow with Excel or Google Sheets?
Yes. TreasuryFlow offers a native Microsoft Excel Add-in and Google Sheets export, so you can bring live data directly into your own templates.
How often is my cash position updated?
Bank balances are refreshed every morning at 6 AM via Plaid, including pending transactions. The forecast and anomaly alerts re-run daily.
Is TreasuryFlow secure?
Yes. Infrastructure runs on SOC 2 Type II compliant Google Cloud (though not independently certified yet). Data is encrypted at rest and in transit. TreasuryFlow has read-only access and cannot initiate transfers.