Most growing businesses don't have a treasury team. We are yours.
Expert advisory and an FCA-regulated platform, combined. We handle cash management, FX risk, banking, working capital, and treasury operations — so your finance team can focus on the business.
Trusted by international businesses:
0.5–2%
What most banks charge on FX, hidden in the rate
£85k
FSCS protection limit — is your cash above this at one bank?
3–5 days
What finance teams spend each month on manual international payments
The mid-market treasury gap
Large corporates have treasury teams. Your business faces the same challenges — multiple currencies, board reporting, investor requirements — but without the dedicated function.
We close it. A fractional treasury function: 40+ years of institutional expertise with a platform that automates execution. Transparent pricing from the start — no hidden FX markups, no surprises. Just clear, upfront costs designed for scaleups and mid-market businesses.
Five ways we help
Each pillar works standalone or together — a modular treasury function for your business.
Cash Management
Policies, controls, and reporting that satisfy investors and auditors — while your cash works harder.
Learn moreFX Risk Management
Know your exposure. Hedge deliberately. Stop currency moves eating your margins.
Learn moreBank Management
The right relationships, benchmarked pricing, and the leverage of knowing your options.
Learn moreWorking Capital
Growth funding beyond your bank's overdraft. Independent advice on the right facility.
Learn moreDigitalisation
Automated payments, audit trails, and real-time reporting. Replace the spreadsheets.
Learn moreHow advisory begins
No long sales process. No commitment until you see the value.
Treasury Review
30-minute conversation. We map your setup and identify what's costing you.
Recommendations
Clear priorities — what to fix first, what can wait, and what it's worth.
Implementation
We help you act, starting with whatever's most urgent. At your pace.
What clients say
"We have been spending incredible amounts on bank fees thanks to foreign payments. Very pleased to have signed up to HedgeFlows, we have already saved hundreds in just a couple of transactions. The system is incredibly easy to use."
Sophie Dale
"So glad we changed to Hedgeflows! Very easy to use, great currency information, fantastic exchange rates. Love that I can lock in a rate without having to transfer funds until they are needed."
Tracey Mayling
"Hedgeflows offer better exchange rates than our bank, excellent client focused service, and plenty of data to make better currency decisions. The perfect option for a smaller business."
Stephanie Mills
"Hedgeflows are at the forefront and provide a system like no other. Managing cash flows, automating international payments at a click of a button, hedging FX exposure — all whilst saving valuable time."
Nesbat Khan
Best Risk Management
TMI Awards 2025
SME Inclusion Initiative
TTP Awards 2026
FCA Regulated
Firm Reference Number: 1008699