Complete cash flow visibility and forecasting across every bank, entity, and currency
Consolidate cash positions in real time, categorise transactions automatically, and build forecasts that learn from actual counterparty payment behaviour. TellMe, our treasury AI, runs the operational work, from categorisation to forecast enrichment , so your team focuses on decisions.
Trusted by 500+ corporate finance teams including
Full cash flow control from real-time positions to accurate forecasts
Real-time visibility, zero manual effort
See your consolidated cash position across every bank, entity, and currency the moment you open the platform — no portal-hopping, no spreadsheet assembly, no waiting for yesterday's data.
Forecasting accuracy that compounds over time
Forecasts built on how counterparties actually pay, not when their terms say they should. Every cycle sharpens accuracy, reduces buffer requirements, and gives leadership confidence to act.
Risks caught before they escalate
Payment delays, covenant breaches, and intercompany mismatches flagged early with full context — not discovered at month-end when it's too late to act.
Strategic time back for your team
Operational treasury tasks run automatically. The hours your team used to spend gathering data now go to analysis, negotiation, and strategic planning.
Real-time cash positions and adaptive forecasting in one connected platform
Know exactly where your cash is right now, across every bank and entity
One dashboard with your full cash position across every bank, entity, and currency — updated automatically, not assembled manually each morning. Transactions categorise as they arrive, and banking pool reports, KPI tracking, and cash flow analysis generate from live data without manual preparation.
Build forecasts that improve with every cycle and surface deviations before they hit
Forecasts that reflect actual business activity, not static assumptions in a spreadsheet. Projections update as new data flows from your ERP, deviations surface the moment they occur, and per-account balance projections flag potential overdrafts before they happen.
The intelligence behind Embat
What does TellMe do?
Everything your finance department needs:
Smart categorisation
Categorise every transaction automatically, from day one
Every incoming transaction is categorised automatically, with accuracy improving as your patterns are learned over time. Your financial picture stays current so your team makes decisions based on real data, not guesswork.
Invoice enrichment
Automatically turn raw forecast imports into structured, categorised data
Categories are assigned and each record linked to its corresponding bank product before you need it. No manual clean-up. No reconciliation surprises.
Forecast reconciliation
Match every forecast to its transaction with context-aware reconciliation
Every transaction is cross-matched against its corresponding forecast entry, generating a clear picture of what was expected, what arrived, and what is still pending. Every correction you make improves its logic continuously.
Payment behaviour analysis
Adjust forecast dates to match how your counterparties actually pay
Historical payment patterns across all your counterparties are analysed, flagging forecasts whose dates don't reflect real behaviour. Accept the proposal and your cash flow projections will immediately get sharper.
Forecast gap detection
Fill the gaps in your cash flow with forecasts based on historical patterns
Gaps in your forecast coverage are identified continuously. When one is found, a forecast grounded in your historical data is suggested, keeping your cash flow view complete and ready for decision-making.
Cash flow projection
Project cash flows automatically, even where historical data is missing
Categories lacking a direct data source are automatically identified, with forecasts generated from historical trends. You can apply manual adjustments at any time to ensure future estimates remain accurate.
Reporting intelligence
Turn your treasury reports into instant insights, complete with narrative
Your reports are automatically interpreted, with key insights highlighted and professional commentary added to provide context. Reporting cycles that once took hours are now completed in minutes.
One platform. Every bank. Full control.
Actual results from real financial teams
This is how teams already using Embat describe the change.
"Previously, 100% of one team member's time was spent on manual tasks. Today, one person can manage daily treasury in real time, spending only 10–15% of their time on it, freeing up resource for value-added work."Javier Gaya - CFO at HOFF
"If you apply a dose of AI to this, the result is highly promising and exciting. Embat's Treasury and Accounting solution is perfect for our organisation."Ángel López, CFO, Grupo CPS
"We manage a wide range of B2C, B2B, and B2G transactions with customers in 60 countries. With Embat, we have been able to bring the month-end close forward by more than 4 days and we have centralised payments, reducing the time per transaction from 10 minutes to a matter of seconds."Ignacio Marcos Pérez, CFO, thePower
"A Treasury Management System makes sense if it enables the Treasury Manager and Corporate Finance to have clear visibility across three levels: the actuals, confirmed forecasts, and an estimated forecast for strategic decisions. For us, Embat has been the solution that ensures clarity across those three levels."Michele Laria, Corporate Finance Director, Molins
Ready to transform your treasury operations?
Book a demo tailored to your specific challenges and see how Embat can transform your finance operations in weeks, not months.
Frequently Asked Questions about our Treasury Management Solution (TMS)
Cash flow management involves monitoring, analysing, and optimising the movement of funds into and out of your business. For organisations managing multiple bank accounts, entities, and currencies, the challenge isn't the concept—it’s the operational friction of consolidating data siloed across banking portals, ERPs, and spreadsheets.
Without a centralised platform, finance teams spend hours each day manually reconciling positions, meaning decisions are often based on stale data. Embat removes this friction by consolidating balances in real time across 15,000+ financial institutions, automatically categorising transactions to provide a single source of truth. Your team can act with confidence the moment they log in.
During your demo, ask us how we integrate with your specific banking and ERP landscape.
Embat integrates with banks via PSD2 APIs, corporate APIs, Host-to-Host, EBICS, and SWIFT—providing coverage for over 15,000 financial institutions globally. Our event-driven synchronisation retrieves data every 15 minutes, moving beyond the limitations of overnight batch files.
For ERP integration, Embat offers bidirectional connectivity with SAP, NetSuite, Dynamics 365, Sage, and over 20 other systems. AP and AR data flows seamlessly into Embat, while reconciliation results, journal entries, and payment statuses are automatically synchronised back to your ledger.
Standard connectors can be deployed within two to three weeks. Your team continues to operate as usual during implementation, ensuring zero disruption and no requirement for a complex data migration.
Finance teams deploying Embat achieve a 35% improvement in forecast accuracy within the first 90 days. This performance compounds because forecasts are synthesised from four complementary data streams: ERP-linked invoices, historical pattern recognition, recurring items, and manual uploads—all working in unison.
TellMe enhances projections by analysing actual counterparty payment behaviour rather than relying solely on contractual terms. For instance, if a client consistently settles invoices late, the projected cash-in date adjusts automatically.
Continuous variance analysis (forecast vs actuals) quantifies deviations in real time, while any unallocated amounts roll forward to the subsequent period to ensure total visibility. With every cycle, the system’s predictive capabilities are further refined.
Absolutely. Embat projects balances at the individual bank account and facility level, rather than just at a consolidated group level. This ensures that potential overdraft breaches are identified well in advance, providing the necessary lead time to reallocate funds or arrange alternative financing.
For organisations managing complex credit arrangements, the forecast incorporates both drawn and undrawn headroom across confirming, factoring, and revolving credit facilities (RCFs).
Group-level consolidation is available alongside this granular, account-by-account view. This allows treasury teams to switch seamlessly between operational detail and strategic oversight within a single, unified platform.
TellMe uses athree-tier classification engine to automate data entry. Initially, user-defined rules manage predictable, recurring transactions from day one.
Secondly, our AI engine parses unstructured bank narratives, matching them against historical patterns and insights derived from the broader Embat ecosystem. Thirdly, any exceptions or edge cases are flagged for manual review, ensuring total oversight.
Automation accuracy typically exceeds 90% and scales over time. Crucially, as a transaction is coded for the General Ledger (GL), the system simultaneously maps it to the relevant cash flow category. This eliminates the redundant "double-handling" of data that typically plagues spreadsheet-based workflows.
Embat maintains the highest standards of data governance, holding ISO 27001 certification alongside SOC 2 Type II and PCI DSS compliance. We are fully GDPR-compliant, with all data encrypted using AES-256 at rest and TLS 1.3 in transit.
All information is hosted within EU-based data centres, ensuring no unauthorised cross-border transfers. Access is secured via Multi-Factor Authentication (MFA), Single Sign-On (SSO) integration, and granular Role-Based Access Control (RBAC) with customisable approval workflows.
For maximum security, banking integrations are read-only by default; Embat cannot initiate payments without explicit, multi-level authorisation. Every system action is recorded in an immutable audit trail, providing full transparency. Our platform consistently satisfies the stringent vendor risk assessments of Private Equity (PE) portfolio companies and FTSE-listed entities.