Real-time liquidity management across your entire corporate group

Complete information from across your company, delivered quickly, is critical to successfully managing your liquidity. Leveraging SaaS, our no-per-user license model, and our philosophy of LOADBALANCEDTREASURY®, tm5 assures unrivaled cash flow transparency, cash positioning, forecasting, and control. Our system eliminates laborious data gathering, tedious reporting and the time-consuming process of consolidating data, and provides you with the visibility required for more accurate positioning and forecasting on a local and global level.

Unparalleled forecasting

With no per-user fees and lightning-fast rollouts, there's nothing standing in the way of integrating all subsidiaries into your treasury system, giving you the true visibility into your groupwide business, for real, accurate, global cash forecasting.

Cash pooling

Easily track intercompany balances across your cash pools. tm5 automatically updates the balances of each member of the pool and provides visibility across your group without the need to update and disperse balance reports tracked in spreadsheets by the central treasury.

Financial status reporting

Get a global picture of liquidity every day, automatically updated by the real-time data and activity in the system. With your entire corporate group using the system to track debt, investment, account balances, credit lines and intercompany activity, the difficult task of collecting this information becomes effortless.

Advantages of cash and liquidity management in tm5

  • Harmonization of corporate cash management.
  • Cash flow transparency across all subsidiaries.
  • Groupwide, mobile, and real-time financial status of all members of your corporate group.
  • Add actuals to your forecast with the click of a button as they happen and tweak your forecasts to attain increasingly accurate foresight of your expected cash position.
  • Unrivaled visibility into your long- and short-term cash positions.

Components required for cash and liquidity management


Short-term cross-corporate cash management

Enter and manage information for daily cash forecasts, harmonizing your corporate cash management.


Domestic, cross-border, multi-bank and multi-country payments

Easy, integrated and secure national and international payment processing.


Liquidity evaluation

Evaluate account balances and contract management data, with real-time reports for all assets and liabilities on a groupwide level.


Medium- to long-term cash forecasts

Unified long-term liquidity forecasting for all companies in your corporate group.