Cash Flow Intelligence

Predictive liquiditybeyond Excel and intuition.

Sphere’s Cash Flow Intelligence analyzes your historical and real-time AR/AP data to forecast liquidity positions, flag risks weeks ahead of impact, and recommend specific actions to protect working capital. Connects to your ERP and banking platforms. Lives alongside your existing treasury workflow.

Daily

forecast refresh

13-week

cash visibility

Weeks-ahead

liquidity warnings

<12-month

ROI for mid-market treasury teams

Cash visibility is still the CFO’s biggest blind spot

Most finance teams know their cash position today. Few can confidently project it 13 weeks out, and almost none can do so without rebuilding a model in Excel. The gap is the difference between predictable working capital and reactive crisis management.

1. The forecast is only as fresh as the last manual update

Excel-based cash forecasts are usually rebuilt monthly at best. By the time the next refresh lands, AR aging, vendor terms, and bank balances have already moved — and the forecast is wrong.

2. Liquidity risks become visible too late

By the time a payroll run, debt covenant, or supplier payment forces the issue, the options for action have collapsed. Treasurers need warning weeks ahead, not days.

3. Working capital optimization is more art than science

Tightening DSO, extending DPO, and managing inventory cycles all affect cash — but most teams lack the modeling capacity to test scenarios and prioritize the actions that matter most.

An intelligence layer between your ERP, your bank, and your forecast

Sphere connects your ERP, banking platforms, and AR/AP data into a continuously updated cash position model. Treasurers and CFOs get rolling forecasts, early-warning alerts, and prioritized recommendations — without rebuilding the model every Monday morning.

Predictive cash position forecasting
Rolling 13-week and 12-month cash projections updated as new transactions flow in.

  • ML models trained on your historical receipts, payments, and seasonality
  • Confidence intervals on every projection, not just a single line
  • Side-by-side scenario comparison for treasurer decision support
Liquidity risk alerts
Early warning when a forecast shortfall is taking shape, with enough runway to act.

  • Alerts triggered weeks before the modeled shortfall, not days
  • Severity scoring tied to your minimum cash thresholds and covenant requirements
  • Routed to the treasurer and CFO directly, not buried in a dashboard
Working capital optimization recommendations
Specific, prioritized actions to strengthen cash position — and the projected impact of each.

  • DSO and DPO scenario modeling with quantified cash impact
  • Supplier payment timing recommendations that respect contract terms
  • Customer collection prioritization based on payment behavior history
ERP and banking integration
Connects to NetSuite, SAP, Oracle, Workday, QuickBooks, and major banking platforms via certified APIs.

  • Direct bank feeds via Plaid, Codat, or native bank APIs
  • AR/AP and GL pulled directly from the ERP — no manual exports
  • Live with first forecast in 4–6 weeks
Scenario modeling engine
Model any cash flow scenario the CFO or board wants to explore.

  • DSO/DPO shifts, hiring plans, capex timing, and M&A scenarios
  • Cash impact projected across the full 13-week and 12-month horizons
  • Save and compare scenarios side by side for board presentations
Treasury workflow automation
Automate the manual steps that slow down treasury operations.

  • Automated daily cash position reconciliation across all bank accounts
  • Payment batch optimization based on supplier terms and cash availability
  • Scheduled forecast distribution to stakeholders without manual effort

Outcomes

Treasurers running on continuously updated cash intelligence make different decisions than those running on monthly Excel refreshes. Sphere’s Cash Flow Intelligence is built to give finance leaders the warning, the model, and the recommended actions — before the cash crisis becomes a cash crisis.

icon Rolling 13-week forecast updated daily, not monthly
icon Liquidity shortfalls flagged weeks before they would force a credit line draw
icon Quantified cash impact for every working capital scenario the CFO wants to test
icon Hours per week recovered from manual forecast rebuilding
icon Reduced overtime and manual reporting labor
icon Audit trail on every forecast version, assumption change, and recommendation acted on

See Forecast in Action

A 30-minute walkthrough using a sample of AR, AP, and bank data, with rolling forecast and risk alerts live.

Use Cases

Mid-market multi-entity CFOs

Consolidated rolling forecast across subsidiaries, currencies, and ERPs. Eliminates the day-per-week reconciliation burden facing nearly 40% of multi-entity finance teams.

Cash burn modeling tied to MRR/ARR pipeline, including scenario analysis for hiring and CAC investment decisions. Investor-board-ready forecasts updated continuously.

High-growth SaaS treasurers

Manufacturing and distribution

Working capital modeling that incorporates inventory cycles, supplier payment terms, and customer DSO patterns. Surfaces optimization opportunities specific to physical-goods cash cycles.

Standardized cash visibility across portfolio companies, with rollup reporting for the PE finance team and scenario modeling for value creation initiatives.

Private equity portfolio companies

Subscription-based businesses

Recurring revenue cash flow modeling with churn-adjusted projections and expansion revenue scenarios. Bridges the gap between bookings forecasts and actual cash collection timing.

How it works: Sphere’s 5-step deployment process

Discovery and treasury workflow audit

Sphere's solution architects spend 2 weeks mapping your ERP, banking, and AR/AP systems, your current forecasting process, and the decisions you make on cash data. Deliverable: a Cash Flow Intelligence Integration Blueprint.

Data Ingestion & Model Training

Connect ERP, AR/AP, and banking platforms. Ingest 24 months of historical transactions. Train predictive models on your seasonality, customer payment patterns, and supplier terms. Validation against the most recent 3 months.

Forecast configuration and treasurer UX

Configure forecast horizons, confidence thresholds, alert routing, and scenario templates to your treasury policy. Three rounds of finance team review before go-live.

Pilot Deployment (Human-in-the-Loop)

30-day supervised pilot running parallel to your current Excel forecast. Daily forecast accuracy comparison. Models refined based on actuals before retiring the parallel process.

Full Rollout & Continuous Learning

Production deployment with daily forecast refresh, weekly treasurer review, and monthly model retraining. Quarterly business review on forecast accuracy and working capital impact.

See your deployment plan
Book a 30-minute scoping call to see how Cash Flow Intelligence fits your treasury workflow.

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ROI & business impact

Days→Min

Forecast cycle time reduced from days to minutes per refresh

Weeks

Liquidity shortfalls flagged weeks ahead of impact, preserving optionality on credit and supplier terms

Quantified

Working capital optimization opportunities quantified and prioritized in dollars, not directionally

<12 mo

ROI payback period: typically under 12 months for treasury teams managing $50M+ in monthly cash flow

Let’s Connect

Trusted by

Flexible, fast, and focused — Sphere solves your tech and business challenges as you scale.

Luke Suneja

Client Partner

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Hear From Our Clients

Sphere Partners
Selah Ben-Haim VP of Engineering at Prominence Advisors

Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).

Sphere Partners
Ben Crawford Senior Product Manager at Enova Financial

I would expect to be delighted. It’s been a really positive experience, working with Sphere, and I would expect you to have the same.

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Mark Friedgan CEO at CreditNinja

Sphere consistently prioritizes the needs of their clients, demonstrating both agility and teamwork. They bring innovative and well-considered solutions, consistently surpassing my expectations.

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René Pfitzner Co-Founder at Experify

Sphere provided excellent full-stack development manpower to augment our team and work with us.

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Bruce Burdick Chief Information Officer at Integra Credit

We've been working with Sphere and its excellent consultants since our founding. Their combination of offshore talent, pricing, and shift offsetting is hard to beat. They provide crucial augmentation to our in-house team. We simply couldn't achieve our production ambitions without their service.

Sphere Partners
Jemal Swoboda CEO at Dabble

The resources and developers that Sphere Software provides are skilled and have the required technical expertise to complete their tasks successfully, with the team easily scaled in either direction. The deliverables are always high-quality.

Sphere Partners
Arthur Tretyak Founder and CEO at IntegraCredit

With Sphere, we were able to migrate in half the time it would take to train an additional FTE…

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Lee Ebreo VP of Engineering at Credit Ninja

These things would not have been achievable if we did not build our own in-house system. We augmented our development team capabilities using Sphere’s developer, who works very well with our Dev Lead in Chicago. Sphere’s developer was an expert in the new system, and continues to be an expert as we evolve it.

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Frequently asked question

No. Sphere connects to your existing ERP, banking, and treasury systems via certified APIs. Cash Flow Intelligence is the predictive layer — your transactional systems stay where they are.

Forecast accuracy is validated against your own historical actuals during the model training phase, with target accuracy bands published per client. Most deployments achieve materially better accuracy than the manual Excel forecast they replace, particularly at the 4–13 week horizon.

Direct bank feeds via Plaid, Codat, or native bank APIs cover most U.S. and European institutions. ERP connectors include NetSuite, SAP, Oracle, Workday, and QuickBooks. Custom adapters are built during discovery for less common systems.

All deployments run in your AWS environment by default, with SOC 2 Type II controls, encryption at rest and in transit, and full role-based access control. Sphere never aggregates client data.

A TMS executes transactions and stores treasury data. Cash Flow Intelligence predicts what’s coming. The two are complementary — Sphere’s platform integrates with leading TMS solutions where they’re already in place.

From contract signature to live forecasts: 8–12 weeks. The 30-day supervised pilot runs in parallel to your current process, so finance keeps a working forecast throughout the transition.

Yes. Scenario modeling is a core capability. Treasurers and CFOs can model DSO/DPO shifts, hiring decisions, capex timing, and other variables, with the cash impact projected across the full forecast horizon.

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