Banks
Read-only
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Checking last sync…
Spendable bank cash
Books and reconciliation
Weekly estimate i
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30-day net i
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30-day gross outflow
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Projected before deposits
What we read from your statement
Today
This week’s activity
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Bank accounts
Cash placementSample
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Receivables
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 cash forecast: the spreadsheet you already use, built once and refilled with every bank transaction. Push to Excel any time and your CEO, board, or lender gets the same workbook you'd build by hand on Saturday.
Saved
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Tip
Type 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.
Map your forecast manually
We'll walk you through three quick confirmations.
1
Header row
2
Date range
3
Line 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.
13
columns 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.
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Inflow
Outflow
Transfer
Skip
Set a cash floor
Checks 13-week low
Add an investment held elsewhere
A pooled fund or custody balance no bank feed reaches. Counts toward liquidity, never toward spendable cash.
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
Balances no bank feed reaches, each as of its own statement. Counted in liquidity, never in 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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Financial snapshot
Building your snapshot…
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.
QuickBooks Online
Checking connection…
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
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…
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 checklist
Pick a month above to start your close.
Auto-saves
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Bank files
Generate the positive-pay issue file your bank's online banking accepts. Upload your check run, download the file, upload it to the bank.
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.
Step 3
Generate the file
The issue file downloads to your computer. Upload it in your bank's online banking.
Firm view
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
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This month
Growing clients
--
inflows up 15%+
Portfolio
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Loading billing status…
Per-client billing: only pay for active clients.
Integrations
Read-only by default. Never moves money. Revoke any connection here. 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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Assistants
Excel add-in
Read-only
Live cash in Excel
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.
Google Sheets
Early access
Live cash in Sheets
Claude
Read-only
Ask Claude about your cash
Connected apps
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API keys
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Jobs
Marketing
Connect CallRail to follow leads to won jobs.
Account
Email--
Name--
Subscription--
Account type--
Billing
Two-factor authentication
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.
Setup key
On your phone? Open in your authenticator app. Keep this key private. Anyone who has it can generate your codes.
Step 2: enter the 6-digit code it shows
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
Refer a business
You get a free month when they subscribe.
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Morning email
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Alerts
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