Live bank balances, 13-week forecast, anomaly alerts, automated every morning. TreasuryFlow is the forward-looking cash layer that runs alongside any bookkeeper.
Bench handled bookkeeping. But the gap most businesses are feeling right now is not the bookkeeping: it's the daily cash visibility that everyone assumed they were getting but weren't.
Whoever you pick (Pilot, Decimal, BookkeeperX, your CPA, an in-house controller), they'll reconcile monthly and close the books. This is the obvious gap.
What's in your bank right now? What does next quarter look like? Did any vendor charges spike this week? This was never Bench's job, and it won't be your new bookkeeper's job either.
Your bookkeeper touches QuickBooks or Xero. TreasuryFlow connects directly to your bank via Plaid, no accounting software dependency. Both run in parallel.
Bench closed last month's books and sent a P&L. Useful. But the questions that actually keep you up at night are about next week, not last month.
| Question | Bookkeeper (Bench, Pilot, etc.) | Cash layer (TreasuryFlow) |
|---|---|---|
| What happened last month? |
Bookkeeper's job
P&L, balance sheet, reconciled transactions. Typically ready 15-21 days after month close.
|
Not our job
We don't produce GAAP financials. Use your bookkeeper.
|
| What's in my bank right now? |
Not their job
Bookkeepers see what's been entered in QBO/Xero, often 24-48 hours behind actual bank activity.
|
Our core job
Live bank balance via Plaid, refreshed every morning at 6 AM. Exact bank-statement accuracy.
|
| Will I be able to make payroll in 6 weeks? |
Not their job
Bookkeepers reconcile what happened. Forward projections are a separate engagement at extra cost.
|
Our core job
13-week rolling forecast, auto-built from 90 days of real bank transaction patterns. Re-runs every morning.
|
| Did any vendor charge me more than usual? |
Not their job
Monthly reconciliation catches it, weeks after it happened.
|
Our core job
AI anomaly detection on vendor spending. Alerts you the morning after the charge hits your bank.
|
| What's my cash runway if revenue dips 20%? |
Extra engagement
Some bookkeeping firms offer financial planning as an add-on at $200-600/mo extra.
|
Included
Scenario planning: save up to 5 scenarios, compare side-by-side against the baseline forecast. Built in at every tier.
|
We have no stake in which bookkeeper you choose. Here's what finance teams who have already gone through this transition said mattered vs. what they stopped caring about.
While you evaluate bookkeepers
You can run TreasuryFlow's 90-day trial today, before you've picked a bookkeeper. Most users see their first 13-week forecast within 5 minutes of connecting.
$299/mo per company: unlimited banks and your whole team included, never billed per bank or per seat. 90-day free trial, no card required. Cancel anytime.
No. TreasuryFlow is the cash layer: daily cash position, 13-week forecast, anomaly detection, vendor patterns. We don't reconcile QBO/Xero, close months, or produce GAAP statements. Use a real bookkeeper for that. TreasuryFlow runs alongside any bookkeeper, from your bank data.
No. TreasuryFlow does not ingest historical bookkeeping data. Connect your bank via Plaid and we pull the last 90 days of transactions from your bank. No Bench CSV export, no migration: the cash layer starts fresh from live bank data.
Yes. TreasuryFlow connects to your bank via Plaid; it doesn't depend on QuickBooks, Xero, or any accounting system. Whatever bookkeeper you choose, TreasuryFlow runs independently alongside them. Your bookkeeper does the historical reconciliation; TreasuryFlow does the daily forward-looking cash layer.
Bench looked backward: last month's books and a P&L. TreasuryFlow is forward-looking: live cash today and 13 weeks ahead, every morning. Bench answered "what did we do?" TreasuryFlow answers "what do we have now, and what's next quarter?"
Connect your bank in under 2 minutes; the 13-week forecast renders within 5, seeded from 90 days of history. Your daily cash digest arrives the next morning at 6 AM: cash position, AR aging, top vendor movements, flagged anomalies.
Plaid supports 10,000+ financial institutions across the US and Canada, including Chase, BofA, Wells Fargo, Citi, US Bank, Mercury, Brex, Relay, SVB, Bluevine, and most regional banks and credit unions. Read-only; revoke access from your bank's portal any time.
Connect your bank in 5 minutes. See your daily cash position, 13-week forecast, and AI vendor matching by tomorrow morning.
90-day free trial · no credit card · $299/mo per company · no lock-in