Stop opening four bank tabs every morning. TreasuryFlow consolidates your bonding bank, operating account, and performance-bond escrow into one live 13-week cash forecast.
A contractor's cash is split across 3–6 banks plus the bond escrow by design: the surety wants it that way. Compiling one position from all of them by hand takes 45+ minutes of portal logins, every morning. The bond agent calls and you say "let me get back to you."
Logging into BB&T, Chase, the surety's escrow portal, and your AR aging by hand. Rebuilt from scratch every morning.
Sub-contractor pay app slips and you don't see it for two days. Retainage releases hit and you miss them. Surety wants weekly numbers, so you build them weekly.
Your 13-week cash forecast is built in Excel from snapshots a week old. Every Monday you wonder which numbers are stale.
10 minutes. Sign in with Google, link bonding bank, operating, payroll, escrow. Plaid handles auth; we never see passwords.
Mark each account: Operating, Bonding, Escrow, Investment, Payroll. Your dashboard splits liquid vs restricted cash automatically.
13-week rolling forecast. Liquid vs restricted split every morning. A daily morning-brief email. Exact Excel export anytime.
A contractor's cash lives in three or four banks because the surety wants it that way. That's not the problem. The problem is that producing one trustworthy number from those accounts takes four logins and a spreadsheet, every single morning.
Why we built the construction view: live balances by account role, straight from the banks, read-only.
If your performance-bond escrow is held at a Plaid-supported bank, yes: we read the balance live, read-only. If it's held at a surety-only portal Plaid can't reach, that balance stays outside TreasuryFlow: every number we show traces to a connected bank, and we'd rather show you a gap than an estimate.
Nothing changes on the agent's side. When the agent asks for numbers, you export one Excel workbook (live bank balances, the 13-week forecast, AR aging, exact figures with a generation timestamp) instead of rebuilding a spreadsheet from portal screenshots. Same conversation, current data.
QuickBooks Online sync is live (read-only: invoices, bills, AR/AP). We do not integrate with Sage 300 CRE, Foundation, or Procore today, and we won't pretend otherwise. The bank side works regardless of your accounting stack, because balances come straight from your banks via Plaid.
AR aging comes from your synced QuickBooks open invoices, exact to the invoice. If QuickBooks isn't connected, we label the aging as a bank-inflow estimate instead of dressing it up as invoice data. If retainage is held back in a separate escrow account, tag that account Escrow and it shows as restricted cash, never mixed into the spendable number. We don't forecast retainage releases by project milestone: no invented inflows.
Trovata and Kyriba are excellent enterprise treasury platforms, priced like it (published pricing runs $30K–$200K/yr with 6–12 month implementations). For a $1M–$50M contractor, TreasuryFlow covers the daily job those tools do — multi-bank consolidation and a live 13-week forecast, not enterprise TMS workflows like in-house payments or FX — for $99/mo per company, live in 5 minutes.
If you run a construction accounting and job-costing suite like Sage or Foundation, keep it — those are strong tools for job costing and the GL. They report on the ledger's schedule, after entries are posted, and typically carry a controller-grade price and setup. TreasuryFlow is the live bank-truth layer underneath: it pulls your bonding, operating, and performance-bond escrow accounts into one live number over read-only Plaid feeds, with a 13-week forecast, so you can see today's real cash across every account before the books close. It's $99/mo per company and runs alongside whatever accounting stack you already keep, no controller required.
Upload your job-cost Excel and get a per-job money read in seconds: billed vs. cost vs. paid, retention held, draw status. Nothing to install, no signup.
Open the Job Money Sheet90-day free trial. No credit card. Live in 5 minutes.