CASH FLOW INTELLIGENCE
Predictive liquidity beyond 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.
Trusted by Leading Enterprises
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.
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.
Rolling 13-week forecast updated daily, not monthly
Liquidity shortfalls flagged weeks before they would force a credit line draw
Quantified cash impact for every working capital scenario the CFO wants to test
Hours per week recovered from manual forecast rebuilding
Reduced overtime and manual reporting labor
Audit trail on every forecast version, assumption change, and recommendation acted on
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.
High-growth SaaS treasurers
Cash burn modeling tied to MRR/ARR pipeline, including scenario analysis for hiring and CAC investment decisions. Investor-board-ready forecasts updated continuously.
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.
Private equity portfolio companies
Standardized cash visibility across portfolio companies, with rollup reporting for the PE finance team and scenario modeling for value creation initiatives.
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.
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
Hear from
our clientsHear from our clients
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 and if we did not partner with Sphere to help us achieve our goals.
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).
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.
Mark Friedgan
CEO at CreditNinja
Sphere consistently prioritizes the needs of their clients, demonstrating both agility and teamwork. As an offshore team, they have been an integral part of our organization and we plan to continue growing with them.
René Pfitzner
Co-Founder at Experify
Sphere provided excellent full-stack development manpower to augment our team and help push our product forward. They are easy to work with, tech-savvy and proactive.
Bruce Burdick
Chief Information Officer at Integra Credit
We've been working with Sphere and its excellent consultants since our founding. I've found that they are true partners in the success of our business.
Jemal Swoboda
CEO at Dabble
The resources and developers that Sphere Software provides are skilled and have the required technical expertise, but more importantly, they have helped us build a culture of excellence within our team.
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… and for a fraction of the cost. Our experience with Sphere has been exceptional.
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 and if we did not partner with Sphere to help us achieve our goals.
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).
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