Best cash management solutions for CFOs in 2025: a complete guide

For CFOs facing the uncertainties of a global economy in the grip of high inflation, cash management remains the touchstone of security. Liquidity must be maintained in the short-term - as well as guaranteed in the long-term to capitalise on growth opportunities.

Understandably, cash management solutions have never been so popular. It's a big market. 

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  The UK cash management system market generated approximately £958 million in revenue in 2024 and is projected to reach around £1.93 billion by 2030 (Grand View Research).

So where do you find the perfect cash management solution? How can you tell what system is right for your company? Let's find out.

What are global cash management solutions?

It's a global marketplace for most businesses. Not only do firms serve clients globally, but often groups of companies are spread out globally, with subsidiaries divided by national boundaries.

Managing cash must also therefore manage global needs. 

And that does not just mean consolidating cash flows across subsidiaries - which top software like Agicap offers as a matter of course. SaaS cash management solutions need to offer a truly global range of tools in terms of versatility too. Why?

Because CFOs face more headaches than ever before.

How cash management tools manage common pain points

The pain: dire DSO (Days Sales Outstanding) - firms pay up late, tying up working capital
The medicine: automated cash collection - customisable, collaborative, time-saving

The pain: crude cash flow forecasting - lets the C-Suite down by providing unreliable intel
The medicine: forecasting based on real cash data from linked accounts - plus AI power

The pain: weak Working Capital management - threatens liquidity and stalls expansion
The medicine: free up cash with precise management and capitalise on excess cash

8 best cash management solutions providers (2025)

Below we review 8 software systems offering real-world cash solutions to CFOs:

Agicap

A firm favourite among mid-maket firms across Europe, Agicap brings eye-in-the-sky visibility to the cash landscape. Founded on exceptional connectivity with banks and ERPs as well as fully-automated AR and AP suites, this friendly system offers cash forecasting excellence that CFOs can trust. There's a whole heap of tools to make better use of surplus cash too.

If you're a CFO or finance team leader, you might want to explore the benefits of Agicap immediately with a free demo. 

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  Save time – Automate cash flow tracking and eliminate manual Excel work

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  See your cash in real time – Get live updates from all bank accounts in one dashboard

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  Forecast with confidence – let AI do what it does best with live data

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  Impress your board – Export clean, professional reports in seconds

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  Skip the IT bottleneck – Onboard quickly with our cloud-based setup and stay supported by our on-demand experts

In the meantime, perhaps catch this brief video to see how Agicap can bring a new level of vision to your cash management.

Expense rating: 2 out of 5 - won't break the bank

Nomentia

Requiring a little more financial expertise than Agicap, Nomentia offers sturdy global cash consolidation and automation of workflows. Its modular setup suits the tailored needs of advanced treasury, and finance teams will appreciate its streamlined approach to automatic bank reconciliation and benchmarking of bank fees. Downsides include a steepish learning curve and no mobile app. Suitable for large to medium companies.

 Expense rating: 3 out of 5 - OK

Kyriba Treasury Management Software

Kyriba has made a name for itself in global payment processing, with $15 trillion handled by its systems annually. There's a rich feature set here with a strong focus on serving multi-national corporations and their needs in regulatory compliance, audit trails, fraud detection; also risk, FX and hedging. To use Kyriba, though, your teams will need formal training, with some complex interfaces to master. Ultimately, it's way too much for most medium and small businesses.

Expense rating: 5 out of 5 - not suitable for SMEs

SAP Cash Management S/4HANA

The big selling point of this system is that it integrates seamlessly with the SAP S/4HANA ERP. Otherwise, it's a fish out of water - albeit an impressive one, offering a host of advanced treasury functions suitable for international enterprise-grade firms as well as great cash visibility and automation. Like Kyriba, this cash management solution requires extensive support to get teams up to speed on its use.

Expense rating: 5 out of 5 - not suitable for SMEs

FIS 

Suitable for large enterprises and banks, FIS is the product of a large company numbering some 60,000 employees. This is a big system that's particularly hot on payments, pricing and analytics. It is popular with treasury specialists for its advanced risk tools supported by bank-grade compliance. If you are not in the market for a billing/pricing powerhouse, it will likely fall short, as its scope for SME scalability is very limited.

Expense rating: 4 out of 5 - expensive

TIS

What TIS lacks in advanced AI forecasting capabilities it makes up for with the efficient management of global payments. Users have observed that UI might seem a little dated these days - and certainly it is geared (unlike user-friendly systems like Agicap) to expert treasury teams. There's a good level of cash visibility here, an impressive suite of integrations across ERPs and transactional protocols like SWIFT and EBICs, and the firm promises quick cloud deployment.

Expense rating: 3 out of 5 - not terrible

Ion Treasury

CFOs will appreciate Ion's deep risk and investment modules, structured workflows and audit trails as well as its powerful forecasting tools. When it comes to risk and trading, Ion is strong, with predictive AI put to good use in scenario planning around FX/rates. It's a highly configurable suite of risk and treasury functions, but not SME-friendly.

Expense rating: 3 out of 5 - not terrible

Bottomline

The bottom line with Bottomline is that it is a payment specialist. It is not so big that only enterprise-grade firms would be interested; medium-sized firms with complex payment needs are clients. Embedded fraud and compliance features will interest security-conscious payment teams, and there's adequate cash visibility on offer for CFOs, as well as multi-bank connectivity. What it should have is AI forecasting, but it does not.

Expense rating: 3 out of 5 - not terrible

Agicap: the friendly face of automated cash management solutions

User-friendliness matters - especially in the technical field of financial software. Not all users in a company are finance fanatics, after all. CFOs in particular have better things to do than wrap their heads around complex software.

Huge multinationals can afford to train up teams of costly specialists to run software to manage complex treasury needs like derivatives and cross-border compliance - but everybody else needs a platform of liquidity management that puts clarity and simplicity first.  

Liquidity cash management: the solution that puts simple first

Beneath the bonnet, Agicap is all about dominating the data - crunching the cash situation and bringing it to order. User experience, though, is all about spelling it out:

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  Clear and simple dashboards that are easy to read and easy to fine tune

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  Clean and professional reports you can share with your team in seconds

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  On-the-go convenience with our handy smartphone app

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  Take a magic wand to your data with our on-demand AI assistant

The ERP/cash management puzzle - what's the missing piece?

Only with true connectivity can a company centralise its cash management. And it's not just our 8,000+ clients who agree that Agicap's linking of ERPs, bank accounts and other packages is exceptional.

Rather than just implement Agicap for clients, one of our partners - LimpidIT, an elite French IT consultancy - decided to implement it for themselves. Why? Because, having scoped out the market at first-hand, engineer Julien Lefauconnier found that "regardless of the ERP, there is always a missing piece". 

Agicap is that missing piece, allowing 'the integration of all banking flows in real-time ... having this data and being able to link it via a connector with the ERP."

Watch this brief video to learn how Agicap's powerful integration capabilities help LimpidIT.

Next steps: how to get started with Agicap

Agicap is known for its smooth onboarding and strong, ongoing support—backed by customer success teams that represent 20% of our 500+ employees. For most clients, getting started is seamless. Still, we understand it’s a significant step for any finance team.

That’s why we offer a no-commitment trial. You can securely connect your real business bank accounts and experience first-hand how Agicap delivers immediate clarity and consolidated cash visibility. You’ll even be able to explore forecasting features and see the impact of automation.

Meanwhile, CFOs can sharpen their strategy with our expert e-book on cash flow excellence.

Ready to see Agicap in action? Start your free trial today.

FAQs: corporate cash management solutions

What is a cash management solution?

Need a comprehensive suite of cash management processes? A real-time instant view of your cash inflows and outflows? Automated invoicing as well as payments? Cash forecasting? Then you need a cash management solution.

What is cash management services?

For regular firms, cash management services generally come in the form of Software-as-a-Service (SaaS) platforms. Companies pay by subscription and link up their bank accounts, ERMs and other tech packages into one unified platform. Automated collections and payments, bank reconciliation and forecasting are typical services offered.

What does CMS mean in banking?

CMS stand for Cash Management Services. When CMS are used by financial institutions (ie. those who operate in banking) rather than regular companies, CMS tend to orientate around payment hubs, reconciliation engines and white-label payment portals to sell to clients.

What are the problems with cash management?

Ask any CFO and their number one pain point is likely to be unreliable forecasting. That's usually down to using unwieldy spreadsheets. Other key issues include managing a fragmented mess of bank accounts and software packages that should link up, but don't; integration issues across multiple business entities; and, ultimately, problems getting a clear view of a company's cash position at any time.