Ledgerline connects your bank accounts, general ledger and payment processors into a single group cash position — then forecasts runway, tracks covenant headroom and writes the weekly cash report your team currently rebuilds by hand.
Group cash position — 31 Aug 2026, 08:00
£35,599,742
Covenant headroom
2.4× / 3.0×
13-week forecast — closing balance
Updated 4 minutes agoBuilt for finance teams at £20m–£500m turnover manufacturers, logistics groups, healthcare providers and multi-site retailers.
Platform
Most mid-market finance teams run treasury out of a spreadsheet that one person maintains. Ledgerline replaces that spreadsheet with something auditable, scheduled and shared.
Every bank account, entity and currency in one balance, refreshed through open banking feeds and overnight statement files. No more consolidating downloads by hand.
Barclays — UK trading
ING — NL trading
Notice deposit, 32 day
Acquirer settlement
Roll receivables, payables, payroll and debt service into a driver-based forecast. Compare each week against actuals and see where the variance came from.
Model leverage, interest cover and minimum liquidity against your facility terms, and get warned weeks before a test date rather than after it.
Ledgerline assembles the pack your board and lenders expect — position, movement, forecast, variance commentary — and sends it on a schedule you set.
Sent to 6 recipients · PDF and XLSX attached
Connectivity
Read balances, open items and cost centres straight from your general ledger, and write reconciled cash entries back to it.
Authorised account information access across UK and EEA banks, refreshed through the day rather than once overnight.
CAMT.053, MT940 and BAI2 statements collected and parsed automatically for banks that do not offer an API.
Release approved payment runs over your bank’s host-to-host or open banking channel, with dual authorisation preserved.
Settlement and fee reports from your card acquirers and payment service providers, matched to the credit that lands in the bank.
Approved invoices and payment runs feed the forecast the moment they are scheduled, not when they clear.
Connections are configured by our implementation team during onboarding, using the banking standards and accounting systems you already run. Most groups are reporting a live position within three weeks.
Controls
Ledgerline sits on the most sensitive data a finance team holds. The controls below are the ones your auditors, your lenders and your security review will ask about first.
Balance and transaction access is read-only unless you explicitly enable payment initiation, which always keeps your bank’s own approval limits in force.
Preparer, reviewer and approver roles map to how the cash cycle already runs, with single sign-on and directory provisioning.
Every figure in the weekly pack traces back to the statement line it came from, with the version history of who changed what and when.
UK and EU customer data is processed and stored in region, with encryption in transit and at rest and documented retention periods.
FAQ
The six that come up in almost every first conversation. Anything else, our team will answer it on a call.
Notes from our implementation and product teams on running cash, forecasting and covenant reporting in a mid-market finance function.
A direct cash forecast is only as good as the drivers underneath it. A practical guide to choosing drivers, setting the weekly rhythm, and measuring accuracy honestly.
Intraday API feeds and overnight statement files solve different problems. A practical comparison for finance teams deciding how to connect their banks.
Leverage, interest cover and minimum liquidity are tested quarterly, but they should be monitored weekly. How to model headroom continuously and stop discovering problems at the test date.
Groups with a dozen entities and several currencies are told they need a full TMS. Usually they need three things: a clean entity map, consistent classification, and a defensible translation policy.
340+ mid-market finance teams already open Monday morning with a position that built itself.
