For restaurants, bars & venues

Your POS rang it up.
Did the bank actually pay you?

We tie every Toast and Square payout to your bank deposit, to the cent — so you catch what came up short, and know Friday's payroll clears.

  • See the fees, tips, and Toast Capital holds in between
  • Every bank and every LLC in one live number
  • Will payroll clear Friday, answered before it's a problem

Runs on the Square and Toast payout exports you already have, plus your bank. No login, no card.

This week · Toast + Square
Sample data · payouts tied to your bank
Reconciled
POS gross sales$128,940
Card processing fees−$3,740
Cash tips paid out−$2,180
Toast Capital hold not on your bank statement−$1,650
Refunds & chargebacks−$610
Should be in your bank$120,760
Actually deposited$120,408
Gap to chase · 1 batch short−$352
SOC 2 infrastructure — encrypted at rest and in transit Read-only access — we can't move money, disconnect anytime Private by design — your exact amounts never enter our logs or analytics
Settlement truth

Every payout, tied to the cent.

Drop in your Toast or Square payout and your bank export. In about thirty seconds you see what was taken out in between, and the batch that came up short. Free, no login, no card.

The gap, itemized

Gross, minus card fees, cash tips, refunds, and the Toast Capital hold your statement never labels — against what actually landed.

Short, late, or missing

A batch is "tied" only when both sides match to the cent. A light or late deposit gets flagged — never a false green check.

No login to find out

It runs on your files in the browser and opens on a live sample. Try it before you connect a thing.

Try it on your own numbers

Drop in a payout. See what the platform took.

No login, no signup — your file never leaves your browser. Start on the live sample, then run your own Toast, Square, or DoorDash export.

Prefer the full page? Open the Settlement Truth Check ↗

Beyond the tie-out

One number. Friday answered. Nothing to migrate.

Every venue, one number

Connect each entity's bank and they roll into one live total, with a card per company — so you see which location is carrying the others.

Will payroll clear Friday?

A 13-week forecast with your loan autodrafts and payroll already on it. The cash answer, not the paper-profit one.

Sits on your stack

Square connects live, Toast by payout upload, banks read-only via Plaid. Keep QuickBooks, keep MarginEdge, keep your POS.

Nothing to migrate

Your setup took years. We don't touch it.

  • Read-only through Plaid. We see balances. We can't move money or change your books.
  • Start with the free check. See your settlement gap before you connect a thing — no account, no card.
  • Leave anytime, keep everything. No contract, export it all, disconnect in two clicks.
Questions owners ask

The honest answers.

How is this different from my Toast or Square reports and my QuickBooks?

Your POS reports what you sold. Your bank deposits what's left after fees, holds, refunds and chargebacks. QuickBooks runs a day or two behind. TreasuryFlow sits across all three: each payout tied to the real deposit, the gap explained, and the batch that came up short, late, or missing flagged.

Which POS systems and banks do you connect to?

Banks connect read-only through Plaid. Square connects in a click; for Toast you drop in the payout export. Delivery deposits — DoorDash, Uber Eats, Grubhub — show by amount and timing. We read alongside QuickBooks or Xero and never write back.

I have a venue, a bar, and a couple of LLCs. Can it show them together?

Yes. Connect each entity's bank and you get one consolidated number plus a card per company. You pay $99 a month for each company with a connected bank; an empty shell entity with no bank is free.

Does my bookkeeper still do the books?

Yes. TreasuryFlow can't write to QuickBooks, so it can't do bookkeeping. It kills the grunt work and gives your bookkeeper one reconciled view across every client. They check the numbers; nothing posts without them.

What if I want out?

Month to month, no contract. Export everything to Excel with exact values and disconnect in two clicks. The spreadsheet was always yours.

See where your money actually went.

Run the free check on your own Toast or Square export — no login. Or walk the demo on sample data first.

$99/mo per company · no contract · see pricing