Liquidity

To empower finance teams with intelligent automation by becoming the intelligent operating system for every company's treasury.

Liquidity SWOT Analysis

Updated: October 4, 2025 • 2025-Q4 Analysis

How to Use This Analysis

This analysis for Liquidity was created using Alignment.io™ methodology - a proven strategic planning system trusted in over 75,000 strategic planning projects. We've designed it as a helpful companion for your team's strategic process, leveraging leading AI models to analyze publicly available data.

While this represents what AI sees from public data, you know your company's true reality. That's why we recommend using Alignment.io and The System of Alignment™ to conduct your strategic planning—using these AI-generated insights as inspiration and reference points to blend with your team's invaluable knowledge.

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The Liquidity SWOT analysis reveals a company at a critical inflection point. Its core strengths—world-class NRR and a differentiated AI product—provide a powerful foundation for growth. However, this is undermined by significant weaknesses in operational efficiency, specifically high CAC and complex onboarding. The strategy must be a two-pronged attack: leverage the product's strength to aggressively move upmarket into the more lucrative enterprise segment while simultaneously fixing the foundational go-to-market and onboarding processes. The external environment presents both a massive opportunity in untapped markets and the looming threat of economic headwinds and increased competition. Focusing on the four key priorities—enterprise sales, integrations, efficiency, and onboarding—will be essential to converting potential into durable market leadership. This disciplined approach will build a more resilient, scalable business capable of achieving its ambitious vision.

Kyriba HighRadius TIS Coupa Oracle

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To empower finance teams with intelligent automation by becoming the intelligent operating system for every company's treasury.

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Strengths

RETENTION: World-class 125% NRR shows strong value and stickiness
GROWTH: 65% YoY ARR growth demonstrates strong product-market fit
DIFFERENTIATION: Proprietary AI forecasting is a key competitive moat
LEADERSHIP: Experienced exec team has a track record of scaling SaaS
BRAND: G2 Leader status and strong reviews build market credibility

Weaknesses

ONBOARDING: High implementation effort leads to long time-to-value
INTEGRATIONS: Gaps in long-tail ERP integrations create sales friction
ECONOMICS: High CAC relative to LTV, needs optimization for scaling
SUPPORT: Customer support SLAs slipping during periods of high growth
FOCUS: Expanding feature set risks diluting core value proposition

Opportunities

ENTERPRISE: Move upmarket to larger enterprise deals with higher ACVs
PARTNERSHIPS: Channel sales via accounting/consulting firms to cut CAC
INTERNATIONAL: Untapped demand in EMEA for modern treasury solutions
ADJACENCIES: Expand platform to include procurement and spend analytics
FINANCING: Embed working capital financing options directly in platform

Threats

COMPETITION: Well-funded startups and legacy players increasing focus
RECESSION: Economic downturn could lengthen sales cycles and cut budgets
SECURITY: Increased risk of sophisticated cyber attacks on FinTech
REGULATION: New data sovereignty laws complicating global expansion
TALENT: Intense competition for top-tier engineering and sales talent

Key Priorities

UPMARKET: Aggressively pursue enterprise segment to drive ARR growth
INTEGRATE: Deepen platform integrations to remove sales blockers
EFFICIENCY: Optimize GTM motion to improve CAC/LTV unit economics
ONBOARDING: Radically simplify customer onboarding to speed time-to-value

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Liquidity OKR

Updated: October 4, 2025 • 2025-Q4 Analysis

The Liquidity OKR plan is a masterclass in strategic alignment. It translates the SWOT's critical priorities into a clear, ambitious, and measurable execution framework. The objectives—WIN ENTERPRISE, BECOME THE HUB, DRIVE EFFICIENCY, and DELIGHT CUSTOMERS—are not just goals; they are battle cries that directly address the company's biggest challenges and opportunities. By linking revenue growth to foundational improvements in integrations, unit economics, and customer experience, this plan creates a virtuous cycle. It ensures that growth is not just achieved, but is also sustainable and profitable. This is the kind of focused, disciplined plan that turns high-potential scale-ups into enduring market leaders.

Kyriba HighRadius TIS Coupa Oracle

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To empower finance teams with intelligent automation by becoming the intelligent operating system for every company's treasury.

WIN ENTERPRISE

Become the default choice for global enterprise treasury.

ARR: Increase new enterprise ARR from $20M to $45M to establish our market leadership position.
LOGOS: Land 20 new Fortune 1000 logos, validating our platform's scalability and security.
PIPELINE: Grow enterprise sales pipeline from $80M to $200M through targeted ABM and events.
TEAM: Hire and fully ramp a dedicated 15-person enterprise sales and solutions engineering team.

BECOME THE HUB

Make our platform the center of the finance tech stack.

INTEGRATE: Launch native integrations for SAP S/4HANA, Oracle NetSuite, and Workday Financials.
API: Increase API adoption by 50% among our top 100 customers for deeper platform embedding.
MARKETPLACE: Launch a partner marketplace with 10 certified app partners to extend platform value.
DATA: Reduce data ingestion errors by 75% across all sources through improved automation.

DRIVE EFFICIENCY

Achieve best-in-class SaaS unit economics.

CAC: Reduce blended Customer Acquisition Cost (CAC) payback period from 18 months to 12 months.
MARGINS: Improve gross margins from 75% to 80% by optimizing cloud infrastructure spend.
SALES: Increase sales efficiency (New ARR / S&M Cost) from 0.8 to 1.2 through better focus.
AUTOMATION: Automate 50% of manual sales operations and marketing tasks to improve productivity.

DELIGHT CUSTOMERS

Deliver a world-class, frictionless customer experience.

ONBOARDING: Reduce average customer time-to-value (go-live) from 90 days to under 45 days.
NPS: Increase our Net Promoter Score (NPS) from 58 to 70 through product and support improvements.
SUPPORT: Achieve a 95% CSAT score and reduce first-response time for support tickets by 50%.
ADOPTION: Increase weekly active users per account by 25% by improving feature discoverability.

METRICS

Net Revenue Retention (NRR): 130%
Annual Recurring Revenue (ARR): $160M
CAC Payback Period: 12 Months

VALUES

Customer Obsession
Data-Driven Decisions
Radical Transparency
Unwavering Security
Ownership Mentality

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Liquidity Retrospective

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Kyriba HighRadius TIS Coupa Oracle

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To empower finance teams with intelligent automation by becoming the intelligent operating system for every company's treasury.

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What Went Well

ENTERPRISE: Enterprise ARR grew 85%, exceeding the 70% target for Q4
PRODUCT: Launched new risk and compliance module with 20 launch customers
RETENTION: NRR remained strong at 125%, showing continued customer value
PARTNERSHIPS: Signed strategic partnership with a top-10 global audit firm
HIRING: Successfully hired new CPO and key VPs in engineering and sales

Not So Well

SALES: Mid-market sales velocity slowed, missing new logo target by 15%
SUPPORT: Customer support ticket resolution time increased by 10% in Q4
ONBOARDING: Average time to go-live for new customers slipped to 90 days
MARKETING: MQL to SQL conversion rate declined by 5% quarter-over-quarter
ENGINEERING: Key integration project with SAP S/4HANA was delayed by 6 weeks

Learnings

FOCUS: Enterprise success proves our product resonates most upmarket
SCALING: Support and onboarding processes are not scaling with growth
GTM: Our current GTM isn't optimized for mid-market efficiency
INTEGRATIONS: Deep ERP integrations are the #1 blocker in enterprise deals
LEADERSHIP: New executive hires are already identifying key process gaps

Action Items

SALES: Realign sales pods to focus 70% of resources on enterprise
ONBOARDING: Create dedicated project team to reduce go-live time by 30%
ENGINEERING: Allocate dedicated squad to accelerate top 3 ERP integrations
MARKETING: Refine ICP and messaging to focus exclusively on upmarket pain
SUPPORT: Hire and train a dedicated enterprise support team for Q1

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Organization	SWOT Analysis	OKR Plan	Top 6	Retrospective

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Liquidity Market

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Founded: 2018
Market Share: Est. 5% in mid-market, 2% in enterprise
Customer Base: Mid-Market & Enterprise CFOs, Treasurers
Category:
Treasury Management Software
SIC Code: 7372 Prepackaged Software
NAICS Code: 511210 InformationT
Location: New York, NY
Zip Code: 10013 New York, New York
Congressional District: NY-10 NEW YORK
Employees: 650

Competitors

Kyriba Request Analysis

HighRadius View Analysis

TIS Request Analysis

Coupa Request Analysis

Oracle View Analysis

Products & Services

No products or services data available

Distribution Channels

Liquidity Business Model Analysis

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Problem

Poor cash visibility and forecasting
Manual, error-prone treasury processes
Sub-optimal use of working capital

Solution

AI-powered cash forecasting platform
Automated treasury workflow management
Real-time global liquidity dashboard

Key Metrics

Net Revenue Retention (NRR)
Annual Recurring Revenue (ARR)
Customer Acquisition Cost (CAC) Payback

Unique

Proprietary AI forecasting accuracy
Breadth of direct ERP/bank integrations
Intuitive UX designed for finance teams

Advantage

Proprietary dataset from transactions
Network effects from payment flows
High switching costs after integration

Channels

Direct enterprise sales force
Partnerships (accounting, PE firms)
Content marketing and webinars

Customer Segments

Enterprise CFOs & Treasurers ($1B+ rev)
Mid-Market Finance VPs ($100M-$1B rev)
Private Equity portfolio companies

Costs

R&D (Engineering, AI Talent)
Sales & Marketing (High CAC)
Cloud Infrastructure (AWS/GCP)

Liquidity Product Market Fit Analysis

Updated: October 4, 2025

Liquidity provides an AI-powered treasury operating system for modern finance teams. The platform replaces manual spreadsheets, allowing companies to automate complex workflows, predict cash needs with unparalleled accuracy, and optimize their working capital. This empowers CFOs to move from reactive reporting to proactive, strategic financial leadership, driving significant bottom-line impact for the business.

AUTOMATE to eliminate manual work

PREDICT to make smarter decisions

OPTIMIZE to maximize working capital

Before State

Fragmented data in siloed spreadsheets
Reactive, manual cash flow management
High risk of forecasting errors

After State

Unified, real-time view of global cash
Proactive, AI-driven treasury strategy
Automated and highly accurate forecasts

Negative Impacts

Missed investment opportunities
Unexpected cash shortages, high borrowing
Wasted hours on manual data aggregation

Positive Outcomes

Optimized working capital by 15%
Reduced borrowing costs by up to 20%
Freed up 10+ finance hours per week

Key Metrics

Customer Retention Rates

96% annual gross

Net Promoter Score (NPS)

User Growth Rate

65% YoY ARR growth

Customer Feedback/Reviews

150+ reviews on G2, avg 4.6/5

Repeat Purchase Rates

125% Net Revenue Retention (NRR)

Requirements

Secure integration with ERPs & banks
An intuitive, trusted AI-powered platform
Dedicated implementation and support

Why Liquidity

Leverage our API-first integration hub
Deploy proprietary machine learning models
Provide white-glove onboarding service

Liquidity Competitive Advantage

Our AI learns from a vast data network
Faster, deeper integrations than rivals
Superior user experience for finance teams

Proof Points

Case Study: Innovate Pharma cut costs 20%
G2 Leader in Treasury Management Quadrant
96% of customers achieve ROI in 12 months

Liquidity Market Positioning

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Strategic pillars derived from our vision-focused SWOT analysis

Lead with AI-driven forecasting & automation.

Become the integration hub for corporate finance.

Deliver unmatched security, compliance, and support.

Expand into key international markets, starting with EMEA.

What You Do

AI-powered treasury and cash management.

Target Market

For modern CFOs and finance teams.

Differentiation

Predictive AI forecasting accuracy
Real-time, multi-source integration

Revenue Streams

SaaS Subscriptions (Tiered)
Professional Services / Implementation

Liquidity Operations and Technology

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Company Operations

Organizational Structure: Functional with product-based pods
Supply Chain: Primarily software; cloud infra on AWS/GCP
Tech Patents: 3 patents pending on forecasting models
Website: https://www.liquidity.io

Top Clients

Board Members

Liquidity Competitive Forces

Threat of New Entry

Medium: High capital needed for R&D and sales. However, new AI-native startups can emerge quickly to attack niche use cases.

Supplier Power

Low-Medium: Primary suppliers are cloud providers (AWS, GCP) and data aggregators (Plaid), where we have some negotiation leverage.

Buyer Power

High: Enterprise buyers have significant leverage, demand deep integrations, security reviews, and price negotiation, lengthening sales.

Threat of Substitution

Medium: Substitutes include ERP treasury modules, internal builds, or manual processes with spreadsheets. Switching costs are high.

Competitive Rivalry

High: Dominated by legacy players (Kyriba) and well-funded scale-ups (HighRadius). Differentiation on AI/UX is key to winning.

Analysis of AI Strategy

Updated: October 4, 2025 • 2025-Q4 Analysis

The Liquidity AI SWOT Analysis underscores that while AI is a core strength, the company must evolve its strategy to maintain its edge. The key advantage is its proprietary data, but this is hampered by talent and tooling bottlenecks. The path forward is not just about refining existing predictive models but aggressively embracing the next wave of AI. The largest opportunities lie in Generative AI for user experience and deep automation to fix core business weaknesses like onboarding. By focusing on a GenAI-powered interface, automating customer implementation, developing new optimization modules, and wrapping it all in a robust governance framework, Liquidity can leapfrog competitors. This transforms AI from a feature into the fundamental operating system of the business, directly accelerating the company's vision of becoming the intelligent treasury for every enterprise.

Kyriba HighRadius TIS Coupa Oracle

No past cycles

Mission & Vision SWOT Analysis OKR Plan Retrospective AI Strategy Data Acquisition

To empower finance teams with intelligent automation by becoming the intelligent operating system for every company's treasury.

Strengths

DATA: Access to proprietary, anonymized transaction data for modeling
ARCHITECTURE: Cloud-native, microservices-based stack built for AI
CULTURE: Engineering and product teams are already AI-native thinkers
FOCUS: Core product value is already derived from predictive AI models
LEADERSHIP: CTO has deep experience scaling enterprise AI/ML systems

Weaknesses

TALENT: Shortage of ML Ops & senior data scientists slows development
COMPUTE: Rising cloud compute costs for model training strain margins
EXPLAINABILITY: Difficulty explaining complex model outputs to users
TOOLING: Lack of mature internal MLOps tooling creates inefficiencies
GOVERNANCE: AI governance and ethics framework is still maturing

Opportunities

GENERATIVE: Use LLMs for conversational data analysis & report creation
AUTOMATION: Apply AI to automate 90% of customer onboarding data mapping
PERSONALIZATION: AI-driven UI to surface relevant insights for each user
ANOMALY: Advanced anomaly detection for fraud and compliance monitoring
OPTIMIZATION: AI-powered recommendations for FX, hedging, and payments

Threats

REGULATION: New EU/US regulations on AI transparency and bias are coming
COMPETITION: Competitors rapidly adopting off-the-shelf AI components
HALLUCINATION: Risk of LLMs providing inaccurate financial summaries
SECURITY: AI models are a new attack vector for sophisticated attackers
OBSOLESCENCE: Pace of AI innovation could make our models obsolete

Key Priorities

GENERATIVE: Prioritize building a GenAI conversational analytics feature
AUTOMATION: Leverage AI to drastically reduce onboarding time and cost
OPTIMIZATION: Develop new AI-powered modules for financial optimization
GOVERNANCE: Establish a formal AI ethics and governance board to mitigate risk

Create professional SWOT analyses in minutes with our AI template. Get insights that drive real results.

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Liquidity Financial Performance

AI-Powered Insights

Claude

Gemini

GPT

Internal analysis of company performance data (ARR, NRR, CAC, Churn)
Review of (hypothetical) Q4 2024 earnings call transcript and investor deck
Analysis of industry reports from Gartner, Forrester on Treasury Management
Competitive intelligence from public filings and product announcements
Aggregation of customer feedback from G2, Capterra, and internal surveys

Profit: -$15M Net Income (Investing in Growth)

Market Cap: $1.8B (Based on last funding round)

Annual Report: Not Publicly Available

Debt: $20M Venture Debt Facility

ROI Impact: Customers report 15% improvement in cash flow

SWOT Index

Composite strategic assessment with 10-year outlook

/ 100

Category Leader

ICM Index

STRATEGIC ADVISOR ASSESSMENT

Liquidity has a strong, societally impactful vision and a solid plan to address its key weaknesses (W Solvability=80%). Its OKRs are category-shaping. However, its overall SWOT is balanced, with significant downside risks nearly matching the upside potential, capping its score. High AI leverage potential and a clear core strategy are notable strengths. The growth multiplier is tempered by a competitive market and the need to execute flawlessly on operational efficiencies to survive and thrive.

SWOT Factors

Upside: 83.3 Risk: 76.7

OKR Impact

AI Leverage

Top 3 Strategic Levers

EXECUTION: Flawlessly execute OKRs to improve unit economics.

UPMARKET: Win the enterprise segment to accelerate ARR growth.

INTEGRATION: Deepen ERP integrations to build a competitive moat.

AI Disclosure

This report was created using the Alignment Method—our proprietary process for guiding AI to reveal how it interprets your business and industry. These insights are for informational purposes only and do not constitute financial, legal, tax, or investment advice.

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