Cash and treasury focuses on how the business tracks, manages, and plans cash across accounts, entities, and time horizons. It is not only about knowing the current bank balance. It is about understanding liquidity, expected inflows and outflows, funding needs, and cash risk before issues appear. This category helps finance teams move from reactive cash monitoring to more active cash management. That gives leadership a clearer basis for spending, investment, and operational decisions.
Improves cash visibility, supports better planning, and reduces liquidity risk.
Campfire's Cash Management and Treasury Planning module provides a centralised command centre for monitoring, forecasting, and optimising your organisation's cash position across every account and entity in real time. The platform connects directly to your banking partners through secure API integrations, automatically ingesting bank statement data and transaction feeds that provide up to the minute visibility into cash balances and movements. For multi entity organisations, this means consolidating cash visibility across dozens or hundreds of bank accounts into a single real time dashboard, eliminating the need for manual bank reconciliation and spreadsheet based cash tracking.
Campfire's intelligent treasury management framework goes beyond basic cash visibility by providing sophisticated tools for cash forecasting, liquidity planning, intercompany funding, and investment management that help your treasury team optimise the use of cash across the entire corporate group. For Australian businesses managing both domestic and international cash flows, Campfire handles multi currency cash management seamlessly. Cynder configures the banking integrations and treasury workflows during implementation to align with your specific banking relationships and cash management policies.
Maintaining accurate, up to date visibility into bank account balances and transactions is the foundation of effective cash management, yet many organisations still rely on manual bank statement downloads and time consuming reconciliation processes. Campfire's bank connectivity framework establishes secure, automated connections with your banking partners using industry standard protocols, enabling real time or near real time ingestion of bank statement data across all of your accounts. The platform supports connections to major Australian banks as well as international banking institutions, providing a unified view of your global banking relationships in a single interface. Once bank data is ingested, Campfire's intelligent reconciliation engine automatically matches bank transactions against corresponding entries in your accounting records, identifying matches with high confidence and flagging exceptions for manual review. The platform's AI powered matching learns from your reconciliation patterns over time, continuously improving its accuracy and reducing the volume of exceptions that require human intervention. For organisations processing thousands of bank transactions daily, this automation can reduce reconciliation effort by up to 95% compared to manual processes. Campfire also supports automated bank fee analysis, helping your treasury team identify unnecessary charges and negotiate better terms with banking partners. The platform maintains a complete audit trail of all reconciliation activity, providing transparency for internal and external auditors. Cynder configures the banking connections and reconciliation rules during implementation to match your specific banking arrangements and accounting processes.
Accurate cash flow forecasting is essential for ensuring that your organisation always has sufficient liquidity to meet its obligations while avoiding unnecessary idle cash that reduces returns. Campfire's AI powered cash flow forecasting capability generates highly accurate projections by analysing multiple data sources including accounts receivable aging, accounts payable schedules, payroll commitments, debt service obligations, capital expenditure plans, and historical cash flow patterns. The platform produces rolling forecasts across multiple time horizons from daily short term projections that support day to day cash positioning through to monthly and quarterly forecasts that inform strategic liquidity planning. Campfire's machine learning algorithms continuously improve forecast accuracy by learning from the variance between predicted and actual cash flows, adjusting for seasonal patterns, customer payment behaviours, and macroeconomic factors that influence cash timing. The platform supports scenario modelling that allows your treasury team to evaluate the cash flow impact of different business decisions, market conditions, or stress scenarios, providing the information needed to make confident decisions about funding arrangements, investment strategies, and working capital management. For multi entity organisations, Campfire generates both entity level and consolidated cash flow forecasts, identifying surplus and deficit entities that can be balanced through intercompany funding arrangements. The liquidity planning dashboard provides a real time view of your organisation's liquidity position against configurable thresholds, automatically alerting your treasury team when projected cash levels approach minimum requirements.
Effective payment processing and working capital management directly impact your organisation's financial health, yet many treasury teams lack the tools needed to optimise payment timing, take advantage of early payment discounts, and manage working capital efficiently. Campfire's payment processing capability provides a centralised platform for managing all outgoing payments across your organisation, supporting multiple payment methods including electronic funds transfer, direct debit, cheque, and international wire transfers. The platform's intelligent payment scheduling engine analyses payment terms, discount opportunities, and cash flow projections to recommend optimal payment timing that balances supplier relationships with cash preservation. For organisations with strong cash positions, Campfire identifies early payment discount opportunities and calculates the annualised return of taking each discount, enabling your treasury team to make informed decisions about accelerating payments where the returns justify the earlier outflow. The working capital optimisation capability provides comprehensive visibility into the cash conversion cycle, tracking days sales outstanding, days payable outstanding, and days inventory outstanding across all business units and entities. Campfire's AI analytics identifies trends and opportunities to improve working capital performance, such as customers whose payment behaviour is deteriorating or supplier relationships where extended payment terms could be negotiated. The platform supports dynamic discounting programs where suppliers can request early payment in exchange for discounts, creating a win win situation that improves supplier cash flow while generating returns for your organisation.
Managing treasury risk effectively requires continuous monitoring of exposures, rigorous controls over payment processes, and comprehensive reporting that satisfies both internal governance requirements and external regulatory obligations. Campfire's treasury risk management capability provides a structured framework for identifying, measuring, and mitigating the financial risks that arise from your organisation's cash management and treasury operations. The platform tracks foreign currency exposures across all entities and accounts, providing real time visibility into net exposure positions and enabling your treasury team to implement hedging strategies that protect against adverse exchange rate movements. For interest rate risk, Campfire monitors the mix of fixed and floating rate exposures across your debt portfolio, alerting your team when exposure levels exceed configurable risk thresholds. The platform's counterparty risk management tracks credit exposures to banks and financial institutions, ensuring that cash deposits and investment positions are diversified in accordance with your treasury policy. Campfire enforces comprehensive payment controls including dual authorisation requirements, payment amount limits, and approved payee validation, reducing the risk of fraudulent or unauthorised payments. The platform generates detailed treasury reports for board and audit committee review, including cash position summaries, risk exposure analyses, policy compliance dashboards, and investment performance tracking. For Australian organisations subject to tax payment obligations, Campfire tracks GST, PAYG, and superannuation payment deadlines, ensuring that treasury planning accounts for all upcoming tax cash outflows.
Discover how Campfire's comprehensive cash management and treasury planning platform can transform your organisation's financial operations. From automated bank reconciliation and intelligent cash flow forecasting to optimised payment processing and robust risk management, Campfire provides the tools your treasury team needs to maintain complete visibility and control over your cash position. Book a personalised demonstration to see how Campfire can help your organisation reduce manual processes, improve forecast accuracy, and strengthen treasury governance.
