Cash flow software
that works from your account

Cash flow is the movement of liquid funds into your company and back out again — money in from sales, investments and financing against money out for operating costs, wages and investments.

The question behind it is a simple one: will there be enough money for the next few weeks? If you calculate your cash flow and keep monitoring it, you spot shortfalls while they can still be solved — not when the invoice falls due.

Roughly four kinds: cash flow planning from the bank account (e.g. Agicap, COMMITLY, Embat, finban, re:cap, Tidely, Trezy), financial planning and controlling from the accounts (e.g. Companyon, helu, Jedox, LucaNet), treasury management for corporations (e.g. Nomentia, SAP, TIS) and business accounts with a forecast (e.g. Qonto). Fifteen vendors side by side, grouped by company size and with sources, are in our vendor list for cash flow planning software.

Accounting meets legal obligations and looks backwards: capturing receipts, posting them, archiving them, preparing the accounts. Cash flow software plans forwards and needs no closed period to do it — it works with the actual account movements. The two belong together: COMMITLY takes open items from DATEV, lexoffice or sevdesk and factors them into the forecast.

A template is quickly set up and just as quickly out of date: every figure has to be entered by hand, every transfer is a source of error, and in the end nobody knows which version was the right one. A cash flow software pulls the movements straight from the connected accounts and systems, keeps the plan current without anyone maintaining it, and puts scenarios side by side instead of copying files.

COMMITLY fetches the figures itself: bank accounts through several regulated banking aggregators (PSD2 and EBICS), plus accounting and ERP through integrations and a direct API. No exports, no retyping.

Cash flow, history and forecast follow automatically — along with scenarios in which you play through what an investment, a lost order or a payment that arrives late does to your liquidity.

Accuracy depends on how complete the data sources are. Because COMMITLY uses the real account movements and the open items from your accounting instead of estimated values, the short-term horizon — the coming weeks — is highly reliable. For longer periods you work with scenarios rather than a single figure: best case, worst case and the realistic path side by side.

In cash flow, variances do not only arise from the difference between actual and plan. Timing variances matter just as much, if not more. With COMMITLY Cashflow Units you can compare budgets and actual figures by amount and by the planned payment date.

A cash flow plan shows more than your account balance: it shows when money arrives and when it leaves, sorted by category. That makes visible where spending runs into the void and where room to manoeuvre appears.

Forecasts turn that into control: build reserves deliberately, time your investments, anticipate shortfalls. Accounting that looks back becomes cash flow planning that looks ahead.

The difference from a spreadsheet is the time frame. Accounting records what happened; cash flow software projects what is coming — based on real account movements instead of estimated values.

Because the data flows in automatically, the plan is up to date every morning. That takes the manual reconciliation out of month-end and turns liquidity into something you steer rather than something you recalculate.

Start-ups mainly need the runway question answered: how long will the money last, and what does the next hire change? For talks with investors and banks, what counts is that the figures come from the account, not a spreadsheet — especially when you are starting a business.

In established companies the gain lies elsewhere: where several accounts, entities and responsibilities come together, automation saves the reconciliation — and controlling works with one status instead of five file versions.

Yes, the COMMITLY cash flow software is highly adaptable and can be tailored to the specific needs of different industries and business models. Whether it is a start-up, an established mid-sized company or an international group, COMMITLY offers flexible tools that make it possible to take individual cash flow requirements into account. The software offers solutions for different parts of a company: for IT it ensures seamless integration and data security, for accounting it offers automated processes and real-time access to financial data, while management benefits from detailed forecasts and a well-founded basis for decisions. It is ideal for consultants too, since it lets them carry out financial analyses and scenario planning precisely and easily in order to advise their clients as well as possible.

Yes, the tool offers features that help companies handle seasonal fluctuations effectively. By using forecasting tools, historical data can be analysed and future cash flows predicted on the basis of seasonal patterns. That helps businesses avoid cash shortfalls in weak periods and invest capital in a targeted way or build up reserves in strong ones. In this way companies can plan ahead and even out seasonal cash flow fluctuations successfully.

The COMMITLY software makes it possible to present a company's financial situation precisely and in detail in real time. That matters particularly in talks with investors or banks, because these institutions expect reliable and transparent data about cash flow and future projections. With COMMITLY, companies can present current cash flow reports as well as "what if" scenarios that show the potential effect of investments or market changes on cash flow. That not only gives businesses confidence in their own financial projections, it also convinces potential investors and banks of the company's financial stability and planning reliability.

COMMITLY helps companies monitor their financial stability continuously and make sure they can always meet their liabilities on time. Thanks to the automated and precise presentation of their current and future cash position, companies can demonstrate a healthy cash flow, which strengthens their creditworthiness with banks and other lenders. Regular and error-free cash flow reports increase the confidence of lenders, because they give a clear overview of the financial health and solvency of the company.

Yes, COMMITLY offers seamless integration options with a wide range of banking and ERP systems. Companies can integrate all their bank accounts, accounting systems and ERP platforms into the software, which makes a continuous and automated flow of data possible. Bringing the systems together in this way ensures a current and centralised overview of the company's entire cash flow situation.

COMMITLY works with several regulated banking aggregators and covers business accounts across Europe with them — via PSD2 and EBICS. Payment providers such as PayPal and Stripe are covered as well, along with credit card providers. Which connection is the right one for your account is shown by the application during setup.

COMMITLY offers a wide range of options for exporting your cash flow plans and reports: as PDF, as XLSX or via the API — you have full flexibility over your data. Which reports banks want to see is on the page cash flow planning for your bank.

Connecting bank accounts and accounting usually takes minutes, not days — COMMITLY is built for self-service and needs no implementation project. If you are coming from Excel, you will normally have your first reliable plan the same day. Support is there if you need it, but nobody has to wait for it. Our help centre answers setup questions.

No. COMMITLY is built for managing directors and founders who want to understand their figures without having trained in controlling. The software suggests categories itself, and the approval stays with you. Anyone who wants to go deeper will find a drill-down all the way to the individual transaction — anyone who does not need that sees how things are developing at a glance.

COMMITLY is fair and transparent, with attractive discounts on 12- and 24-month terms. The price depends on the number of companies, bank accounts and users. All prices are published openly on the website, there is no quotation process and no setup fee — and every edition can be tested free of charge for 14 days.

Data security is COMMITLY's top priority. The software uses modern encryption technologies to make sure financial data is protected against unauthorised access. Beyond that, companies can set detailed access rights to make sure only authorised people can view or edit certain financial data. The tool works to strict security standards and compliance policies, which guarantees data security at the highest level.

The GoBD obligation sits with your company, not with the software vendor — the German rules provide for no software certification at all. It is met where the posting and the retention happen: in your accounting system.

COMMITLY supplies the stage before that. Bills captures incoming invoices, runs them through the approval process and hands them over with a complete audit trail — who did what, and when, stays on record. For the platform itself: certified to ISO 27001:2022, hosted in Germany, GDPR-compliant with a data processing agreement.