Bottomline Alternatives: Top 10 Cash Flow Management Software in 2025

Akoni is a finance management platform that lets you maximize your money earned and limit risk without the hassle of researching rates, setting up, and maintaining many accounts. It enables you to manage your money with ease with a savings dashboard, which provides quick and simple access to rates from all of the top-rated institutions. With Akoni, you can earn more interest on your money by combining numerous FSCS protected bank accounts and because of the variety of options available. With Akoni’s savings planner, you can get a single view of all your money, no matter where it's stashed. You can link your own current accounts and savings accounts to Akoni, enabling you to see all of your cash accounts alongside your Akoni savings. To better match your risk-return preferences and needs, you can employ FitchSolutions for unbiased Financial Implied Credit Scores (FICS). Additionally, all of your cash deposits can be tracked, analyzed, compared, and successfully managed using Akoni’s funds snapshot, 12-Month Liquidity Profile, and Risk Allocation chart.

Nilus is a comprehensive cash management platform, that seamlessly automates cash balances, flow, and reconciliation workflows. Designed with AI-powered precision, it empowers businesses to produce cash flow reports in mere seconds. With Nilus, transactions are automatically tagged according to user-defined categories, allowing real-time cash flow analysis at any moment. It aggregates cash data from over 10,000 sources, including banks, PSPs, and ERPs, without the need for engineering expertise. Enterprise-grade protection is ensured with SOC 2 compliance and managed user permissions, allowing users to leave behind cumbersome logins and trust their data with Nilus AI validation. By eliminating double entries and manual spreadsheets, Nilus saves teams valuable hours, enhances employee retention, and optimizes cash flow management. It provides a unified platform that merges finance and accounting, feeding directly into ERPs. This centralized data enables swift report exports and informed decision-making, facilitating new investments and exploring financial products with higher returns. With Nilus, cash flow management software becomes the strategic partner that makes every dollar count more.

CloudPay provides a very accurate and automated payroll solution for all types of businesses. Companies can consolidate their payroll operations and treasury services on one cloud platform across 130+ countries. The solution is accessible, adaptable, and accurate. The cloud-based tool processes all payrolls on a single automated platform. It allows businesses to gain confidence in their global payroll and remove the in-house burden of managing the complex international payroll activities. The experts ensure accurate results in every country in which the business operates, while also helping standardize processes. It’s an interactive payroll assessment to help companies take a more proactive approach to global payroll processing. It comes with a specialized RFP template to help multinational companies design a clear and effective evaluation strategy. The template is quick to use and covers essential global payroll features and functions that are easy to use. Companies can simply choose the ones they need and remove the ones they don’t require using the simple-to-use Excel spreadsheet.

Strands BFM allows banks with bookkeeping and accounting services for the SMEs working with them. Primarily, the tool solves 3 basic problems. Firstly, the problem with money management. Secondly, getting a lending accession. And thirdly, successfully scaling their businesses. The software solution provides a product sheet to the banks and individuals to get an insight into the type of enterprise and how the finances are taken care of. Strands BFM then leverages and assesses the type of customer an SME has, and then plans to manage its finances accordingly. Furthermore, the solution also tracks the progress of the enterprises, analyses the pros and cons and then includes them in the finance management. It enables banks to improve the rates of engagement of the SMEs under them. This, on the other hand, helps them to get new revenue possibilities. The company also has several other services like Strands PFM, Strands Engager, Strands CLO and Strands Open hub. These provide banking and financial solutions to a varied range of customers.

Cash Flow Frog is a comprehensive cash flow planning and forecasting software that provides businesses with a clear picture of their current cash balance besides showcasing how much cash they will have at a given point in time in the near future. The software helps users to understand the current status of their finances. It also simulates different what-if scenarios helping businesses pay bills at the right time, hire new employees and get their money-drawing processes completed on the go. Cash Flow Frog includes an easy-to-use reports editor, which makes it simple for businesses to create stunning cash flow reports and share those forecasts and scenarios with reputed clients and colleagues with ease. Also, customer-specific insights provided by the same can be used to rank individual clients based on their sales, payment punctuality levels and overall collections gathered. The same process also helps users to optimise their payment terms and enhance cash flow planning on the go.

ThinkOut is the online platform that supports managers to better understand their businesses through cash flow analysis and forecasting, by automatically aggregating the transactions from their bank account(s). Based on the transactions history, ThinkOut builds forecasts of Income and Expenses for the following months. You can adjust them at any time or add your own estimations. It’s the way to stay in control of your finances and take action in good time. Right after you sign in to ThinkOut account, you are able to see the total balance for your connected bank accounts, the revenue and expenses of the past three months or the cash runway, given the current balance and the expense rate.

CashFlowMapper represents your business as it happens in real life. You can forecast your cash flow over any timeframe you like from days to years. Import your data directly from your accounting software or use data exported from your online banking website. Export your cash flow plans ready-made to excel for presenting and modelling or for inclusion in reports. Prepare automated rolling cash flow forecasts the most powerful cash planning tool there is.

My Cash Flow Plan - Transactions are either income or expense. Cash balance is automatically calculated. Determine cash balance at any time in the future. Make adjustments to plan to see the possibilities. New job, buying a car, purchasing a home, retiring. Life events are inevitable and reflected in cash flow.

Payference is a cash management platform that assists CFOs and finance teams in effectively managing and forecasting cash. It brings together all of your financial data in one place by effortlessly connecting with ERPs and bank accounts. With Payference, you get Payference IQ that unleashes cash by improving payables and receivables. You can automate repetitive activities and data entry, allowing the finance department to concentrate on higher-value things and improve your collections. You can provide your executive teams and boards with easy-to-understand reports and reconcile payments with bank transactions. Payference offers you a clear picture of your cash situation today and in the future, allowing you to make better choices. The platform assists in raising DPO in an intelligent manner and automates processes for collecting cash. It identifies working capital leading indicators, displays trends across multiple criteria, and makes recommendations. It clears the path for the finance team from start to finish, empowering them with actionable information and advice. Additionally, Payference's AI-powered collection intelligence platform offers a consistent, proactive, and automated approach for receivables management.

Streamlined is the essential order-to-cash solution for busy professionals. Streamlined, powered by AI, is the only system that brings together for B2B orders, invoices, payments and accounting in one smart and seamless system. Streamlined ensures that the customers time is spent efficiently and effectively, making it easy to get paid. Streamlined is capable of managing the most complex transactions quickly – providing both billers and customers with an unmatched user experience. Streamlined streamlines the back office processes, enabling to set up and control payments, automate money reconciliation processes, and monitor invoice activity and payments in real-time. Streamlined makes it simpler than ever to get paid and run profitable businesses. Streamlined puts in control, giving the flexibility and agility to manage customer’s orders and accounting with ease. Streamlined takes the hassle out of getting paid, and helps to streamline the business operations.

Automate cash management and provide real-time access to cash flows and visibility to global positions. Our solution enables cash managers to manage their business more efficiently while reducing risk and costs related to manual cash activities and growing volumes. Optimize cash flow and use of capital with intraday, real-time aggregation and visibility to cash activities and position across business entities.

Small business and entrepreneur financial management software provider. By integrating with banks, accounting tools, and CRMs, the company's simple and understandable financial management tool provides analysis of key business financials such as cash flows and profitability statements, as well as automating financial management routines, allowing clients to set up company financial and management accounting smoothly and optimise analytical summary reports in just a few clicks. It's a cashflow management solution for SMBs in developing countries that lets owners see their company's financial health without having to be a financial expert . We already collaborate with over 1600 companies from all around the world. More than 2000 banks and other services are integrated (new ones are constantly being added). P&L, CashFlow, Accounts Receivable, and Accounts Payable reports are all automated. Multicurrency and cryptocurrency options are available. Automated profitability reports for projects and various business lines. Dashboards for money. Payment calendar that predicts cash shortages. Varying employees have different levels of access. Financial professionals form a professional assistance team.

flowpilot software is a platform used to manage cash flow for your Business. The software offers real-time data in combination with AI algorithms to calculate liquidity forecasts and scenarios. Visualize data in charts and diagrams. Small, Medium and Large companies make use of the software.

AGICAP is a compact cash flow management software that helps small and medium enterprises (SMEs) with their day-to-day cash flow monitoring and task automation. At present 3500+ companies depends on AGICAP to proceed with seamless cash flow management. The software with its reliable cash flow forecast functionality helps businesses make better strategic decisions using the information provided. Moreover, active integrations with external accounting tools, banks and invoicing platforms save a lot of the users time. It also enables businesses to get a clear cut view of the available information related to their bank accounts with just a single click. They can run a detailed analysis of individual expenses within AGICAP’s inbuilt dashboard. These reports can also be exported as per convenience to get further loans. Large groups working together can depend on the software to obtain a consolidated view of overall expenses in a single click.

Moneto is the creator of an online monetary platform that may be utilized for any organization's financial needs. The company's platform is a financial services program that automates the entire invoicing process and allows firms to get payments on time while also having access to credit to reinvest in their business. Moneto addresses a crucial issue that most small businesses using spreadsheets face. It's a better way to receive a financial picture of the past, present, and future that's more organized, rapid, and productive. Moneto was created because we wanted what any other firm wants: a financial tool to remain on top of finances, make educated decisions, decrease financial uncertainty, and drive growth. Track top keywords for every app out there, as well as how an app's search position for the keywords that matter is changing over time. Examine App Reviews and Ratings for valuable user feedback. To find issues, track ideas, and enhance your software, slice and dice by version, country, and date range. For each day, country, device, or department, see when and where apps have been featured in the various app stores.

Embat, companies can streamline and enhance their treasury management practices with remarkable efficiency. With real-time bank connectivity, businesses gain immediate access to essential financial data, enabling them to make informed decisions swiftly. Comprehensive cash flow forecasting empowers organizations to anticipate and plan for financial needs across short-, medium, and long-term horizons. Automated accounting and reconciliation processes minimize errors and reduce manual workload, while banking pool management and payments centralization simplify financial operations by consolidating them into a single platform. Visualizing and automating cash flows, reports, and forecasts ensures that companies stay ahead in liquidity management. Furthermore, the integration of generative artificial intelligence automates over 90% of treasury accounting entries, ensuring accuracy and up-to-date accounts. By systematizing reporting and treasury indicators, businesses can accelerate decision-making and minimize preparation time. Embat acts as a steadfast partner, simplifying complex tasks and allowing organizations to focus on strategic growth and expansion.

Coupa Treasury and Cash Management offers businesses a powerful suite of tools to gain real-time visibility into their financial landscape. Whether operating internationally or seeking clarity in cash positions, this platform helps professionals quickly and easily act on cash insights. By managing short- and long-term instruments, users can make smarter cash flow forecasting decisions and save big with intercompany invoice netting. The convenience of in-house banking is further enhanced with features that allow them to identify and mitigate financial risks, simplify payment management, and ensure compliance and fraud prevention. Additionally, Coupa enables financial professionals to analyze and share meaningful data efficiently, all while joining the Global SWIFT Network for seamless transactions. Presented as a supportive partner, Coupa Treasury simplifies complex financial tasks and empowers businesses to focus on growth, making it an essential ally in today's dynamic economic environment.

Caflou is an advanced business management system that enables you to gain complete control over your company and team by doing everything online. It connects your projects, customers, offers, timesheets, tasks, invoices, cash flow, and orders electronically and logically. With Caflou, you can manage your whole business and workforce in one single system along with organizing your financial flow and company operations. You can determine where you can cut costs, monitor and track your team, and manage projects. You can quickly determine which operations, customers, or projects generate revenue and where money leaves the organization. Using the team's financial report, you can keep account of which team member, employee, or team is producing income for the company. It also offers workload reports that let you keep track of how much effort your workers undertake. Users can define the scope of the project, as well as the deadlines and responsibilities. Budgets, profits, and cash flow for projects can all be managed with Caflou. Additionally, you can also connect teams through collaborated tasks, comments, mentions, and smart alerts.

Global PayEX is a comprehensive accounts receivable and payable automation solution that helps businesses of all sizes improve their working capital efficiency. The platform offers a variety of features that can help businesses automate their AR and AP processes, including buyer-seller collaboration, AI/ML technology, automated ERP accounting, and more. Global PayEX also offers a best-in-class customer portal that allows businesses to deliver invoices, accept payments, and reconcile transactions all in one place. With Global PayEX, businesses can improve their cash flow, reduce their costs, and increase their efficiency. The platform is easy to use and can be customized to meet the specific needs of any.

Centime Cash Flow Forecasting provides businesses with a clear and concise way to understand and plan their finances for the coming weeks. A rolling 13-week cash forecast offers an effective way of tracking investments while ensuring that their business stays in great financial health and is always prepared with adequate liquidity. With Centime, they'll be able to keep an eye on where their money is going and better manage expenses like payroll, bills, and purchases. Centime will help them save time and energy when looking at financial approaches so users can stay focused on achieving your business's full potential. Take control of their cash flow management today with Centime's Cash Flow Forecasting feature.