Cash Position & Forecasting
Know the cash position without asking three people
Balances live in bank portals, the position lives in a spreadsheet, and the forward view is an estimate assembled on a Monday. VapusFin holds all of it in one place, reconciled against the feeds and the ledger it came from, and extends it forward using payments that are actually scheduled.
The problem
A cash position assembled by hand is out of date before it is circulated
Balances are pulled from each bank portal, converted at whatever rate was to hand, pasted into a sheet and reconciled against a ledger that has not caught up. Every step introduces delay, and the delay is worst exactly when it matters — at quarter end, before a large payment run, or when someone asks whether an entity can fund something this week. The result is a group that holds a buffer to compensate for not knowing, which is an expensive way to manage uncertainty.
What it does
Inside Cash Ledger
Live balances across accounts and entities
Every bank account across every entity in one view, updated from the feeds rather than from a manual collection round, with drill-down from the group figure to a single account.
Continuously reconciled, not just displayed
Balances are reconciled against bank feeds and against the general ledger as transactions arrive, so a difference between what the bank says and what the ledger says is shown as a difference rather than hidden by whichever number was pulled last.
Forward view from scheduled activity
The projection layers approved and scheduled AP disbursements, expected AR collections based on each customer's own payment behaviour, payroll, tax payments and known recurring commitments. It is built from records that exist, not from a growth assumption applied to last month.
Multi-currency consolidation
Balances and flows are consolidated across currencies at the rates you configure, with the translation shown alongside the underlying amounts so a movement caused by rates is not confused with a movement of cash.
Entity and group views that agree
An entity treasurer and a group CFO look at the same underlying records at different levels of aggregation, so the two views cannot disagree about what is held where.
Thresholds and alerts you set
Minimum balance thresholds per account or entity, and alerts when the projection crosses one, so a funding decision is raised in advance rather than discovered on the day.
How it works
From arrival to posted entry
- 01
Connect
Bank accounts, entities and ledger accounts are connected, and the account structure and reporting currencies are configured.
- 02
Reconcile
Balances and movements are matched continuously against the bank feed and the general ledger, so the position shown is one that has been checked.
- 03
Consolidate
Accounts roll up by entity and by group, translated at the configured rates, with the underlying currency amounts kept alongside.
- 04
Project
Scheduled disbursements, expected collections and known recurring commitments are layered forward to produce a view built from real records.
- 05
Alert
Threshold breaches in the projection are raised against a named owner, with the flows driving them listed, in time to act on them.
Questions
Frequently asked
- Does VapusFin move money?
- No. This model reports and projects the cash position; it does not initiate transfers, open accounts or manage investments. Payments are executed through your existing banking arrangements. If treasury execution is something you need, tell us during scoping and we will be explicit about what is and is not in scope rather than implying it.
- How far forward does the projection go?
- As far as the underlying records support with confidence. Scheduled disbursements and confirmed collections give a near-term view that is grounded in actual commitments; further out it relies more on payment-behaviour patterns and recurring commitments, and the projection shows which is which rather than presenting one line of equal certainty.
- What does it do when the bank and the ledger disagree?
- It shows both and treats the difference as a break, routed to the reconciliation model with the transactions that appear on one side and not the other. It does not pick a number and present it as the position.
- Do we need every bank connected before it is useful?
- No. It is useful from the first entity connected and improves as coverage grows. Accounts not yet connected are shown as such, so the group figure is never quietly incomplete.
- How accurate is the forecast?
- We will state this once measured against realised cash flows, with the horizon and the method described. Any forecast accuracy figure quoted without a horizon attached is not a meaningful claim.
See your position built from your own feeds
Connect a couple of entities in a sandbox. We will show you the reconciled position, the forward view, and where the bank and the ledger disagree today.
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