Payables and receivables mapping | ModelReef

You can’t forecast cash if you can’t see what’s coming in or out.

Manual AR/AP workflows make cashflow unpredictable. Model Reef connects directly to your accounting system to deliver cash flow forecasting, automated payables and receivables mapping, and live financial visibility for businesses - without spreadsheets or manual reconciliation.

The hidden costs of manual cashflow tracking:

  • Hours lost exporting aging reports and stitching together spreadsheets
  • Payment-timing errors that distort cash inflow and outflow analysis
  • Low client confidence caused by stale, inconsistent cash management for accountants
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Trusted by clients with over US$40bn under management.

You can’t manage cash when your data is always out of date.

Most firms rebuild cashflow forecasts from scratch every cycle. Late invoices, early receipts, and shifting due dates break spreadsheet logic and hide risk. Model Reef replaces manual tasks with live real-time cash tracking, automated AR/AP mapping, and connected business cash forecasting that strengthens advisory work and reduces operational waste.

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See how Model Reef turns AR/AP data into live cashflow forecasts.

These capabilities show how firms eliminate manual steps and produce accurate cash insights with connected ledger data.

clarity-icon Connect Your Systems

Sync invoices, bills, and payments directly from Xero or QuickBooks for reliable accounting cash flow insights.

bot-icon Map Working-Capital Drivers

Automatically classify AR/AP by aging, customer, supplier, and terms for clear data-driven cash analysis.

forecasting-icon Forecast Cashflow Automatically

As payments occur, the model updates instantly - improving cash position monitoring and accuracy.

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A connected approach to cashflow forecasting.

Model Reef removes guesswork by linking AR/AP data, payment behavior, and forecast logic into one live model.

link-icon Step 1:
Connect Ledgers

Import all invoice, bill, and payment activity to support structured accounts payable management and receivables tracking.

model-building-icon Step 2:
Map AR/AP Categories

Feed real-time cash inflow and outflow analysis into every forecast using automated classification.

forecasting-icon Step 3:
Forecast Cashflow

See current and projected cash positions with predictive smart finance management tools.

See how Model Reef standardises cashflow modeling.

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Predict cash needs earlier, reduce rework, and strengthen client trust.

Model Reef turns AR/AP into a dynamic cash engine that improves forecasting quality and client experience.

clarity-icon Faster Cashflow Cycles

Save $15,000 per year in lost time

Reduce 5+ hours per client monthly with automated cash flow forecasting.

collaboration-icon More Accurate Cash Predictions

Avoid $75,000 in rework

Reduce variance by 80% using real-time accounts receivable tracking and invoice updates.

forecasting-icon Higher Client Confidence

Unlock $300,000 in long-term value

Deliver live, dependable cash performance insights clients can act on immediately.

See how firms achieve ROI with live cashflow modeling.

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The AR/AP forecasting toolkit for modern accounting firms.

These features power Model Reef’s connected cash flow forecasting and working-capital modeling workflow.

real-time-icon Automated Categorization

Instantly group AR/AP by aging bucket, customer, supplier, or terms to support business finance dashboards.

clarity-icon Scenario Toggles

Model late payments, early receipts, and discount strategies with business cash forecasting accuracy.

model-building-icon Collaboration & Audit Trail

Track every adjustment with audit-ready documentation for strong consultant financial reporting.

collaboration-icon Live System Integrations

Refresh forecasts instantly with live AR/AP data for credible predicting business cash needs.

Explore all cashflow features.

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Security built for AR/AP and cashflow workflows.

Model Reef protects sensitive payment and client data with enterprise-grade controls.

xero-icon End-to-End Encryption

Secures all invoice and payment data in transit and at rest.

Audit-Level Tracking

Logs every change to support compliant financial reconciliation processes.

excel-icon Granular Access Control

Assign permissions by client, team, or role for secure accountant tools for cash flow.

See how Model Reef keeps your data secure →

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Questions before you start?

Here are the most common questions we get asked in demos.

Model Reef improves accuracy by linking live AR/AP activity directly into a cashflow model that updates continuously. Instead of relying on static spreadsheets, teams work from real-time data that reflects actual invoice and payment movements. This prevents outdated assumptions from distorting projections. Accountants can quickly identify risks that emerge from timing changes or customer delays. Clients also gain clearer visibility into upcoming obligations and expected receipts. These benefits give firms a stronger foundation for dependable cash flow forecasting without manual effort.

Short-term cash movement is often obscured when invoices and bills sit in separate systems or disconnected spreadsheets. Model Reef eliminates this gap by consolidating all AR/AP activity into a single, live workspace. This enables clearer interpretation of payment timing, customer behaviour, and supplier obligations. Firms can quickly identify gaps between expected and actual movements. Clients receive a clearer picture of their financial position at any point in time. These improvements create true financial visibility for businesses.

Yes - Model Reef adapts to each client’s unique inflow and outflow patterns, updating forecasts dynamically as payments clear or due dates shift. This ensures cash projections reflect real client activity rather than generic assumptions. Accountants can model late payments, early receipts, or debtor concentration risks easily. Each client receives forecasts that are specific to their operational realities. This allows accountants to give more accurate and proactive advice. These capabilities make the system ideal for advanced business cash forecasting across diverse portfolios.

Traditional AR/AP workflows rely on exported aging reports that lose relevance quickly. Model Reef replaces this with live classification that groups invoices and bills by customer, supplier, terms, aging, or payment behaviour. This helps accountants identify bottlenecks and risks earlier. Teams also avoid the rework caused by constantly rebuilding spreadsheets. Clients benefit from clearer explanations of upcoming cash demands and opportunities. These improvements support stronger, real-time payables and receivables mapping.

Model Reef provides a continuously updated view of inflows, outflows, and expected cash positions, eliminating delays caused by manual reconciliation. This helps accountants quickly assess whether cash availability aligns with operational demands. Payment behaviour automatically feeds into the forecast, removing guesswork. Clients gain continuous clarity on potential shortfalls or surpluses. This improves decision-making throughout the month rather than just at month-end. These streamlined processes deliver dependable cash position monitoring.

With live AR/AP data driving cashflow models, consultants can provide clients with faster, sharper insights. The platform highlights upcoming risks and opportunities based on real movement rather than static assumptions. This shifts advisory conversations toward proactive planning rather than explaining outdated reports. Forecasts adjust automatically as invoices or bills change, increasing confidence in recommendations. Clients receive guidance grounded in accurate, evolving data. Together, these capabilities enhance the quality of financial planning for consultants.

Model Reef removes the repetitive steps typically required to tie invoices, bills, and payments back to forecast assumptions. Automated classification ensures information stays aligned without manual sorting. This reduces the time accountants spend tracking discrepancies between ledgers and spreadsheets. As a result, teams shift more energy toward interpretation and client communication. Variances decrease significantly because the model updates instantly as transactions clear. These efficiencies strengthen the overall financial reconciliation process.

Model Reef continuously updates projections based on open invoices, unpaid bills, and historical payment patterns. This makes emerging cash pressures visible far sooner than traditional spreadsheet workflows. Accountants can model alternative scenarios such as delayed receipts or early settlements. Clients gain confidence knowing their forecasts reflect real operational behaviour. This supports more informed decisions around short-term funding, payment planning, and working-capital strategy. These advantages create a more reliable approach to predicting business cash needs.
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Explore all Model Reef use cases for accountants.

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Real-time cashflow starts with real-time data.

Model Reef transforms static aging reports into dynamic cashflow forecasts - automatic, reliable, and always up to date.

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Trusted by clients with over US$40bn under management.