Treasury and working capital management

Help secure cash flow, manage liquidity, mitigate financial risks, and optimise working capital with intelligent solutions.
A woman reviewing treasury data on a laptop

Optimise treasury, reduce financial risks, and unlock liquidity

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Help reduce treasury and working capital management costs

Build financial resilience and drive scalable growth with integrated tools to manage treasury, financial risk, and working capital processes across your organisation.

Mitigate financial and operational risk

Reduce financial risk and enable compliance with data-driven decisions, on-the-fly analytics, and deep drill-downs.

Increase operational efficiency and effectiveness

Use comprehensive automation capabilities and gain control with straight-through processing and intelligent applications.

Protect your investment

Gain agility, scalability, and extensibility across the treasury ecosystem with future-proof solutions.

Treasury and working capital assistants

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Cash and Treasury Assistant

Optimise and control liquidity with intelligent positioning, forecasting, and bank insights to prevent risk and fund operations.

Explore the Cash and Treasury Assistant 

Accounts Receivable Assistant

Prepare collection calls, automate dispute resolution, and give AR teams a 360-degree customer view—helping finance teams reduce days sales outstanding and collect cash faster.

Explore the Accounts Receivable Assistant 
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Accounts Payable Assistant

Empower your accounts payable process to be self-sufficient with AI-powered automation to resolve payment exceptions and reconcile vendors.

Explore the Accounts Payable Assistant 

Explore treasury and working capital management capabilities

Mitigate risk, manage payments, and unlock liquidity in your operational processes to grow your business.

WEBINAR
Autonomous finance starts here

Watch our Autonomous Finance webinar to learn how SAP Cloud ERP customers are improving financial responsiveness with AI-powered capabilities.

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See how customers are succeeding with SAP

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Solving friction in finance with AI

Discover how SKF drives continued innovation by reducing friction in its business processes through SAP Business AI.

Watch the video 
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Gaining enterprise visibility for 11 companies

Learn how TIMETOACT GROUP successfully used multibank connectivity to accelerate closing and integrate order-to-cash processes.

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Enhancing finance processes through digital transformation

Explore how AI has allowed Accenture to significantly advance its cash application auto-clear rate and free up one-fifth of its cash flow.

Read the customer story 

See what analysts are saying about SAP

SAP named a Leader for Financial Planning Software

Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Financial Planning Software.

Read the report
SAP named a Leader in AI-Enabled Enterprise Treasury and Risk Management Applications

Discover why SAP is named a Leader in its IDC MarketScape: Worldwide AI-Enabled Enterprise Treasury and Risk Management Applications 2025–2026 Vendor Assessment.

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SAP named a Leader for Cloud ERP Finance

Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Cloud ERP Finance.

Read the report

Featured resources

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Reimagine working capital management with AI

Discover how SAP Business AI for Finance delivers cutting-edge solutions to streamline operations, providing real-time insights and automated processes that enable more intelligent decision-making and efficient cash management.

Watch the demo video 
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The future of treasury and working capital

Learn how to build a digital foundation for a forward-looking treasury using SAP cloud solutions and AI that enhance strategic roles, manage risks, and ensure liquidity.

Read the EY report 
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Journeys to Treasury

Explore the emerging trends, challenges, and priorities that some of the world's leading treasurers believe will shape their best practices in 2025–2026 and beyond. This 10th anniversary edition is a collaboration between SAP, BNP Paribas, PwC, and the European Association of Corporate Treasurers (EACT).

Read the 2025–2026 report 
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CFO perspectives on unlocking insights through conversation

Discover new ways to quickly integrate innovative concepts, insights, and best practices into your business. In this e-book series for finance executives, you'll access the latest thought leadership created in partnership with Taulia.

Discover the e-books 

Frequently asked questions

Treasury and working capital management software from SAP is a software solution that is designed to help organisations manage their treasury and working capital more effectively and efficiently. Here are some of the software’s key features and functionalities:

  • Cash management

  • Financial risk, debt, and investment management

  • Payments and bank communication

  • Receivables and payables management

  • SAP Taulia Dynamic Discounting, Taulia Supply Chain Finance, Taulia Receivables, and Taulia Virtual Cards

By using treasury and working capital management software from SAP, organisations can improve their financial performance, reduce risks, enhance operational efficiency, and gain real-time insights into their financial health.

Treasury and working capital management software from SAP helps improve cash visibility and liquidity through several key features and functionalities, such as:

  1. Real-time cash positioning and instance cash balances
  2. Short-term, medium-term, and long-term cash forecasting
  3. Liquidity planning
  4. Bank connectivity and statement reconciliation
  5. Cash AI agent as a digital assistant 

By leveraging these features, the solution enables organisations to enhance cash visibility, optimise liquidity, reduce borrowing costs, and make informed decisions on cash management and investment strategies.

SAP Working Capital Management (WCM) improves visibility into receivables and payables through a range of features and functionalities designed to provide organisations with real-time insights into their financial position, such as:

  • Accounts receivables and payables aging analysis

  • Real-time receivables and payables monitoring

  • Customer credit risk and supplier risk assessment

  • Supplier invoice matching and approval

  • Payment planning, scheduling, and forecasting

  • Dispute and collection management, DSO and DPO KPIs

SAP WCM helps organisations gain real-time visibility into their receivables and payables, optimise cash flow, reduce financial risks, and improve overall financial performance.

 

Gartner, Magic Quadrant for Financial Planning Software, Regina Crowder, Sid Sahoo, Mike Lashinsky, 1 December 2025.

Gartner, Magic Quadrant for Cloud ERP Finance, Mike Helsel, Irmina Melarkode, Nick Duffy, Nisha Bhandare, 27 October 2025.

 

Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organisation and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

 

GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally, and MAGIC QUADRANT is a registered trademark of Gartner, Inc. and/or its affiliates and are used herein with permission. All rights reserved.

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