Features
Every tool you need to deploy capital with confidence
Bartholm Trade combines live liquidity data, AI-driven forecasting, and deployment controls into one workspace built for finance teams at German SMEs.
Why It Matters
Idle cash and reactive decisions cost more than they seem
Most finance teams still rely on spreadsheets and quarterly reviews to decide where capital sits. By the time a gap or surplus is visible, the window to act efficiently has often passed.
- Cash positions are tracked manually across disconnected accounts and systems.
- Deployment decisions are made on stale data, weeks after conditions changed.
- There is no consistent framework for comparing where capital should go next.
- Risk and liquidity buffers are estimated rather than modeled.
Core Capabilities
A closer look at how Bartholm Trade works
Real-Time Liquidity Mapping
Bartholm Trade consolidates balances, commitments, and projected flows across your accounts into a single live view. Instead of reconciling spreadsheets at month-end, your team sees current and forward-looking liquidity positions at any moment, with changes reflected as conditions shift.
AI-Driven Deployment Signals
The platform analyzes historical patterns, upcoming obligations, and current liquidity to surface recommended deployment actions — where capital can be allocated, how much buffer to retain, and when timing is favorable. Signals are explained in plain terms, not opaque scores.
Scenario and Stress Modeling
Run adjustable scenarios — a delayed receivable, a seasonal dip, a large planned expenditure — and see how each one affects liquidity over the following weeks and months. This lets your team test decisions before committing capital, rather than reacting after the fact.
Configurable Risk Thresholds
Set minimum liquidity buffers, exposure limits, and approval rules that match your company's risk appetite. Bartholm Trade applies these thresholds automatically when generating recommendations, so suggested actions stay within boundaries your team has defined in advance.
Audit-Ready Reporting
Every recommendation, approval, and deployment decision is logged with the data and assumptions behind it. Reports can be exported for internal review, board updates, or finance committee discussions without manually reconstructing the reasoning after the fact.
Integration With Existing Systems
Bartholm Trade connects to common banking and accounting data sources, so your team isn't required to re-enter information or maintain a second system of record. The platform is designed to sit alongside your current tools rather than replace them.
How It Fits Your Workflow
From data to decision in four steps
Connect
Link accounts and relevant data sources so Bartholm Trade can build an accurate, current picture of liquidity.
Model
The platform projects liquidity forward and flags emerging gaps or surpluses based on your configured thresholds.
Review
Your team reviews AI-generated recommendations alongside the reasoning, data, and assumptions behind each one.
Act
Approve, adjust, or decline suggested actions — with every decision logged for future reference and reporting.
Built for oversight, not automation alone
Bartholm Trade surfaces recommendations and the logic behind them, but your team retains approval authority at every step. Nothing is deployed without a decision made inside your own workflow.
Designed around existing finance processes
Thresholds, approval chains, and reporting formats are configured to match how your finance team already operates, rather than requiring a new process to be adopted.
Applied to Real Situations
Where these features make the biggest difference
Smoothing seasonal cash cycles
Model recurring seasonal dips in advance and identify how much liquidity buffer is actually needed, rather than holding excess cash out of caution.
Centralizing fragmented accounts
Bring balances and flows from multiple accounts into one view, reducing the manual reconciliation work treasury teams repeat every reporting cycle.
Timing larger allocations
Use scenario modeling to evaluate how a planned investment or large expenditure will affect liquidity before the commitment is made.
Enforcing consistent thresholds
Apply the same liquidity and exposure rules across every recommendation, removing inconsistency between decisions made by different team members.
Preparing for internal review
Generate a clear, logged record of deployment decisions and the data behind them, ready for finance committee or board-level discussion.
Reducing manual tracking
Replace recurring spreadsheet updates with a live system that reflects current liquidity automatically, freeing time for analysis rather than data entry.
Built around how finance teams actually decide
Bartholm Trade was shaped around a simple observation: most companies already have the data needed to deploy capital well, but it's scattered across accounts, spreadsheets, and inboxes. Pulling it together, modeling what it means, and reaching a decision in time is the hard part.
Each feature on this page exists to close that gap — not by removing your team from the decision, but by giving them a clearer, faster, and better-documented path to making it.
See these features applied to your own liquidity data
Request an analysis to understand how Bartholm Trade would map, model, and recommend deployment decisions for your current cash position.