Real-time cash intelligence your ERP was never designed to deliver.
JPS FinanceOS Treasury aggregates live balances across all your bank accounts, builds a 13-week cash forecast directly from your ERP data, and runs best/base/worst scenarios — all without a single spreadsheet. Connected to NetSuite today. Live in under 30 days.
Your ERP was built for accounting. Not treasury.
NetSuite, Business Central and most mid-market ERPs are outstanding systems of record. But they were designed around the general ledger — not around real-time liquidity decisions. The result: finance teams run treasury operations in spreadsheets, email threads and bank portals that never talk to each other.
| Today — without JPS FinanceOS | With JPS FinanceOS Treasury |
|---|---|
| Cash position requires logging into 2–4 bank portals every morning | Single consolidated view — all banks, all currencies, updated automatically via CAMT.053 |
| 13-week forecast built manually in Excel, updated once a week | Rolling forecast built automatically from AP/AR/payroll data in your ERP — refreshed daily |
| Scenario planning requires duplicating the spreadsheet and adjusting rows by hand | Best/Base/Worst scenarios calculated in seconds — each with a defined deviation set and confidence interval |
| FX exposure calculated manually or not at all | All foreign currency positions valued daily at ECB reference rates — GoBD-compliant, fully audited |
| Liquidity alerts arrive via email — if at all | Push notification the moment a configured cash buffer threshold is breached — before the bank charges overdraft fees |
| No forecast accuracy tracking — nobody knows how far off last quarter's forecast was | MAPE and bias tracked automatically, rolling 52 weeks — gives the team a feedback loop on forecast quality |
Live cash position. All banks. All currencies. One view.
JPS FinanceOS connects directly to your banks via EBICS and imports CAMT.053 statements automatically. The cash position is aggregated within minutes of statement arrival — not at month-end.
All balances in one view
Bank accounts across multiple banks, currencies and legal entities are aggregated into a single consolidated cash position. No manual export, no copy-paste.
Automated statement processing
EBICS delivers CAMT.053 electronic account statements daily. FinanceOS processes them automatically — cash position is updated within 5 minutes of import.
Bank vs. ERP — always reconciled
The system continuously compares bank balances against ERP records. Variances are flagged immediately with full drill-down to the underlying transactions.
Cash pool management — physical and notional
For groups with multiple entities, FinanceOS manages both physical cash pool structures (actual fund transfers via Zero-Balance Sweeping) and notional pools (interest calculation on net basis, no transfer). Pool structures are configured per tenant.
Zero-Balance Sweeps run automatically at a configured time — member account balances are equalized to target (zero or defined level), sweep instructions are submitted via Payment Factory, and CAMT.054 confirmation is recorded in the audit trail.
- Configurable sweep time and target balance per account
- Automatic PAIN.001 sweep instruction generation
- CAMT.054 confirmation reconciliation — immutable audit trail
- Notional pooling: net interest calculation without physical transfer
- Intraday CAMT.052 processing for banks that support it
- 1
EBICS retrieval — FinanceOS fetches CAMT.053 from all configured banks at scheduled intervals (typically 6:00, 12:00, 18:00)
- 2
Statement parsing — all transactions parsed, classified and matched against open ERP items (AR, AP, intercompany)
- 3
Cash position update — consolidated position recalculated within 5 minutes · FX valuation applied at ECB close rate
- 4
Alert evaluation — configured liquidity buffer thresholds checked · push alerts dispatched immediately if breached
- 5
ERP write-back — payment status and bank reference written back to NetSuite to resolve cash-in-transit accounts
A 13-week forecast built from your ERP data — not your spreadsheet.
The rolling 13-week cash forecast is generated automatically every week, populated from AP due dates, AR receivables and payroll data pulled directly from your ERP. No manual input required for ERP-driven positions.
Bottom-up from ERP — no manual input
Every week, FinanceOS pulls AP payment due dates, open AR invoices with expected collection dates, and payroll data from NetSuite. These form the base layer of the forecast — fully automated, no spreadsheet required.
Structural cashflows that aren't in the ERP (recurring rent, insurance, loan repayments) can be added once as recurring templates and are applied automatically each period.
- AP due dates pulled directly from ERP — weekly, without manual input
- AR receivables with payment terms and historical collection behaviour
- Payroll positions imported from connected HR or ERP payroll module
- Recurring templates for structural cash flows not in the ERP
- Forecast version control — weekly snapshots, rolling 52 weeks
ML model with confidence intervals
For cashflows that can't be derived directly from ERP records — customer behaviour, timing variations — the system applies an ML-based model trained on your historical data. Each forecast line carries an 80% confidence interval.
Forecast accuracy (MAPE, WMAPE, Bias) is tracked automatically against actual outcomes — the team always knows whether the forecast is improving or drifting.
- ML model trained on 12+ months of historical data per company
- 80% confidence interval shown per forecast week
- Forecast accuracy: MAPE and Bias tracked rolling 52 weeks
- AI-assisted variance explanation — identifies root causes of deviations
- Accuracy lift ≥ 20% vs. naive baseline (verified in acceptance criteria)
Scenario engine — three parallel futures
The built-in scenario engine calculates Best, Base and Worst case cashflows simultaneously. Each scenario applies a defined deviation set (e.g., customer collections ±15 days, unexpected capex). Scenarios can be version-controlled and shared across teams.
Optimistic assumptions
Customers pay early, AP optimised for maximum DPO, no unplanned outflows. Defines the upper bound for available cash planning.
Expected outcome
Standard payment terms, historical collection rates, planned capex and payroll. The primary planning basis for treasury decisions.
Stress test
Late customer payments, early supplier payments, unexpected outflows. Used for liquidity buffer sizing and covenant headroom assessment.
Multi-currency positions. ECB rates. Covenant monitoring.
FX revaluation at ECB reference rates, liquidity covenant tracking and FX exposure reporting — delivered as standard modules within the FinanceOS Treasury suite. No additional tools required.
Daily ECB revaluation — GoBD-compliant and audited
All foreign currency bank balances are revalued daily at the ECB reference close rate (17:00 prior day). The applied rate is stored per transaction and is fully auditable — meeting GoBD requirements for documented, traceable valuation.
- FX revaluation once per month — accounting only
- Rate source inconsistent or undocumented
- No real-time view of EUR-equivalent exposure
- Multi-currency cash position requires manual calculation
- Daily ECB revaluation applied automatically
- Rate source documented per transaction in audit log
- Real-time EUR-equivalent view across all currencies
- FX exposure dashboard — open positions by currency and entity
Configurable buffers. Push alerts. Covenant headroom.
Treasury risk management for the mid-market: define minimum liquidity buffers per entity, set push alerts for threshold breaches, and track covenant compliance — all configured per tenant without custom development.
- Liquidity buffers defined in a spreadsheet nobody reads
- Covenant breaches discovered retroactively
- Risk reporting prepared manually for each board meeting
- Buffer thresholds configured per account and entity
- Push alert within 2 minutes of CAMT import if threshold breached
- Covenant ratios calculated automatically against ERP data
- KPIs: Days Cash on Hand · Burn Rate · Liquidity Runway
The daily cash report — in your inbox before 8:30.
Every morning, FinanceOS generates and distributes an automated Daily Cash Report: yesterday's closing position, net cash movement, forecast deviation, and any open alerts. No preparation required. No waiting for someone to run the numbers.
Daily Cash Report before 8:30
Closing position, net movement, forecast vs. actual, open alerts — delivered automatically to configured recipients every morning.
No IT required for custom reports
Tenant admins build their own treasury dashboards and reports without IT involvement. Filter by entity, currency, period, account type.
24 months of rolling history
Historical cash position data stored for 24 months. Year-over-year comparison, seasonality detection and trend analysis built into the platform.
See live cash position and a 13-week forecast in your environment.
Book a 30-minute live demo. We connect to a NetSuite sandbox and demonstrate the full treasury module with your data structure.
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