Arc, Brex, Mav9, Well, and Fivemetrics make up the top five treasury management platforms in 2026. Arc leads the list with its intelligent cash management and yield-bearing accounts for tech companies. Brex follows as the unified spend management hub for startups. Mav9 brings AI-powered capital allocation for investment teams. Well offers an all-in-one financial workspace for SMBs, and Fivemetrics consolidates cloud and AI spend for finance and engineering teams.
This list is for finance teams, CFOs, and business owners who want to centralize cash management, reduce manual work, and gain real-time visibility into their financial operations. Whether you run a fast-growing startup, a capital allocation firm, or a small business, these platforms provide the tools you need to manage treasury more effectively. Compare the picks below to find the best fit for your organization.
How we picked these treasury management platforms
We evaluated each candidate on feature depth, pricing clarity, fit for the intended use case, and reliability. Platforms that offer real-time visibility, automation, and integrations earned higher consideration. We favored solutions that clearly state their pricing tiers, provide free trials or free plans where possible, and serve a defined audience—from tech startups to SMBs to capital allocators. Security certifications like SOC 2 and ISO 27001 were also noted. The goal was to cover different segments of treasury management without overlapping too much.
Related shortlists: Top 7 Credit Score Tools in 2026 and Top 7 Invoicing Tools in 2026.
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| Tool | Best for | Key features | Pricing | Free trial |
|---|---|---|---|---|
| Arc | technology companies that want to earn yield on idle cash, access growth capital, and get AI-powered cash management support | Up to 4.08% net yield on brokerage balances, Cashback rewards on card spend, up to 2.0% on Enterprise, AI CFO assistant (Archie) for cash management questions | Essentials — up to 3.63% net yield | — |
| Brex | startups and scaling businesses that need to centralize corporate cards, bill pay, and real-time spend tracking | Unlimited corporate cards accepted in 210+ countries, AI-powered expense management with automated receipt capture, Real-time spend reporting and budget tracking | Essentials — Free | Free plan available |
| Mav9 | investment teams and capital allocators who need AI-assisted analysis for private capital deployment and treasury decisions | AI-powered capital allocation decision support, Combines proprietary knowledge with private data, ISO 27001:2022, SOC 2 and GDPR compliance | Pricing on request | — |
| Well | small and medium businesses that want a single workspace for bookkeeping, FP&A, payroll, and invoicing with AI automation | Monthly AI token budgets from 3M to 25M depending on plan, Unlimited MCP connectors for tool integrations, Covers bookkeeping, FP&A, payroll, invoicing, CRM and taxes | Starter — $12/month | 14-day free trial |
| Fivemetrics | finance and engineering teams that need to consolidate, investigate, and control cloud, AI, and SaaS spending | Consolidates billing from 24+ cloud, AI and SaaS providers, Volt AI agent investigates spend anomalies and drafts recommendations, Read-only access; no permission to modify infrastructure | Free — $0/month, up to $1,000/mo tracked spend | 14-day free trial on paid plans, no credit card required |
The best treasury management platforms in 2026
Below are detailed entries for each platform, including standout features, ideal users, and pricing highlights. Use these descriptions to narrow down your choice.
1. Arc
Intelligent cash management & growth capital for businesses
Arc is best for: technology companies that want to earn yield on idle cash, access growth capital, and get AI-powered cash management support
Arc combines yield-bearing accounts, corporate cards, and growth capital with an AI CFO assistant called Archie. It delivers up to 4.08% net yield on brokerage balances and up to 2.0% cashback on card spend for Enterprise plans. This platform is a modern alternative to traditional banking for startups and tech companies focused on treasury.
Key Arc features
- Up to 4.08% net yield on brokerage balances
- Cashback rewards on card spend, up to 2.0% on Enterprise
- AI CFO assistant (Archie) for cash management questions
- Dedicated relationship manager on Premium and above
Arc pricing
- Essentials — up to 3.63% net yield
- Premium — up to 4.03% net yield (annual membership)
- Enterprise — custom pricing
2. Brex
The #1 spend platform for strategic finance teams
Brex is best for: startups and scaling businesses that need to centralize corporate cards, bill pay, and real-time spend tracking
Brex unifies corporate cards, bill pay, and expense management into one system with real-time visibility into cash and spending. It offers unlimited cards accepted in 210+ countries, AI-powered expense controls, and deep integrations. This platform suits finance teams that want to replace multiple tools with a single spend management hub.
Key Brex features
- Unlimited corporate cards accepted in 210+ countries
- AI-powered expense management with automated receipt capture
- Real-time spend reporting and budget tracking
- Integrates with major accounting and HRIS platforms
Brex pricing
- Essentials — Free
- Premium — $12/user/month
- Enterprise — custom pricing
- Free trial: Free plan available
3. Mav9
Time to allocate capital
Mav9 is best for: investment teams and capital allocators who need AI-assisted analysis for private capital deployment and treasury decisions
Mav9 is a cloud operating system for private capital management powered by AI and proprietary market knowledge. It supports capital allocation decisions with private data and holds ISO 27001, SOC 2, and GDPR certifications. This platform is built for teams that require sophisticated decision support rather than a simple dashboard.
Key Mav9 features
- AI-powered capital allocation decision support
- Combines proprietary knowledge with private data
- ISO 27001:2022, SOC 2 and GDPR compliance
- Access-request model rather than self-serve signup
Mav9 pricing
- Pricing on request
4. Well
The Modern Financial Stack for SMBs
Well is best for: small and medium businesses that want a single workspace for bookkeeping, FP&A, payroll, and invoicing with AI automation
Well organizes bookkeeping, FP&A, payroll, invoicing, and taxes around a shared context rather than rigid workflows. It uses AI token budgets to power automation across unlimited integrations via MCP connectors. This platform suits SMB operators who prefer one central financial tool over separate point solutions.
Key Well features
- Monthly AI token budgets from 3M to 25M depending on plan
- Unlimited MCP connectors for tool integrations
- Covers bookkeeping, FP&A, payroll, invoicing, CRM and taxes
- Regional data processing, never used for AI model training
Well pricing
- Starter — $12/month
- Business — $35/month
- Scale — $80/month
- Free trial: 14-day free trial
5. Fivemetrics
Understand cloud and AI spend, then investigate what changed
Fivemetrics is best for: finance and engineering teams that need to consolidate, investigate, and control cloud, AI, and SaaS spending
Fivemetrics consolidates billing from 24+ cloud, AI, and SaaS providers into a single dashboard. Its Volt AI agent investigates cost anomalies and drafts savings recommendations without modifying infrastructure. This platform is ideal for companies that want real-time visibility into cloud spend and automated anomaly alerts.
Key Fivemetrics features
- Consolidates billing from 24+ cloud, AI and SaaS providers
- Volt AI agent investigates spend anomalies and drafts recommendations
- Read-only access; no permission to modify infrastructure
- Real-time anomaly alerts via Slack, Teams, email or PagerDuty
Fivemetrics pricing
- Free — $0/month, up to $1,000/mo tracked spend
- Starter — $9/month
- Pro — $29/month
- Business — $199/month
- Free trial: 14-day free trial on paid plans, no credit card required
Which treasury management platforms should you choose?
If your tech company wants to earn yield on idle cash and access growth capital alongside corporate cards, choose Arc. For startups that need to consolidate corporate cards, bill pay, and expense management into one system, Brex is the clear pick. Investment teams and capital allocators looking for AI-assisted private capital management should consider Mav9.
Small and medium businesses seeking a single workspace for bookkeeping, FP&A, payroll, and invoicing will find Well highly effective. Finally, if your main challenge is tracking and controlling cloud, AI, and SaaS spend, Fivemetrics provides the consolidated dashboard and anomaly detection you need. Each platform excels in a specific area of treasury management, so match your primary use case to the recommendation above.
