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As of 2026
Business & Operations
Revenue: $1M-$10M ARR
AI-native cloud treasury and cash flow management platform.
Overview
Embat is a next-generation treasury management platform designed to automate cash flow, bank reconciliation, and liquidity operations for businesses. The software connects seamlessly with thousands of global financial institutions and major enterprise resource planning systems to deliver real-time multi-bank visibility. It leverages generative artificial intelligence to streamline accounting tasks, match payment transactions, and optimize working capital. Finance teams rely on the platform to eliminate manual spreadsheet tracking and accelerate financial closing cycles.
Funding status: Funded
Revenue source: Subscriptions
Customer type: B2B
Pricing: Subscription
Tech stack: Cloud Infrastructure, React, Node.js, AI/ML Engines, Open Banking APIs, REST APIs
Platform: Web • Cloud
Integrations: SAP, Oracle NetSuite, Microsoft Dynamics 365, Sage, SWIFT, EBICS, Zapier, Custom REST APIs
Founder story
Embat was founded in 2011 in Madrid, Spain, by former J.P. Morgan executives Antonio Berga and Carlos Serrano García-Lisón, alongside former Fintonic CTO Tomás Gil. The founders identified a critical lack of collaborative cloud tools for corporate finance teams and set out to automate legacy treasury operations. Backed by prominent international investors, the company has scaled into a leading European fintech platform.
What it does
- Aggregates real-time cash positions and multi-entity banking balances automatically through direct API connections across global financial institutions
- Deploys AI-powered categorization and matching engines to automate bank statement reconciliation and journal entries
- Executes centralized global payments with custom approval workflows and secure beneficiary controls
- Generates automated cash flow forecasts, variance analyses, and customized financial reporting dashboards.
Who it's for
- Chief Financial Officers
- Corporate Treasurers
- Finance Teams
- Accounting Professionals
Why it works
- Utilizes a scalable SaaS subscription pricing model aligned with enterprise deployment scale and transaction volume
- Positions as an AI-native alternative replacing outdated spreadsheet-based treasury workflows with live bank integrations
- Leverages robust technical architecture combining open banking connectivity directly with bidirectional ERP synchronization
- Expands distribution across Europe through targeted regional offices and strategic NetSuite integration partnerships.
Growth strategies
- Direct B2B enterprise sales targeting mid- market and large corporate finance departments
- Strategic software integrations with leading ERP vendors like NetSuite, SAP, and Microsoft Dynamics
- Geographic expansion across European markets supported by institutional venture capital funding rounds
- Continuous product innovation incorporating generative AI assistants for automated anomaly detection
Alternatives
Comparison overview
- Focuses on AI-native transaction categorisation and real-time open banking connectivity rather than traditional manual spreadsheet consolidation.
- Combines multi-entity cash visibility natively with bidirectional ERP ledger synchronization.