Available with BookLoQ · Read-only banking

Bank cash, with the evidence behind the plan.

Bring authorized bank balances and transactions into BookLoQ. Keep the cash source, sync status and review behind each decision visible.

Connect a bank in BookLoQ →Explore a fictional cash plan →

A BookLoQ subscription, the appropriate finance permissions and successful bank verification are required. Supported institutions, account types and available history vary.

What Vanteloq can read

Selected accounts: Institution, account name, masked identifier and currency for the eligible accounts you select.
Balances: Available and current balances when supplied by your bank. Credit owed and foreign currencies remain separate from base-currency cash.
Transactions: Available dates, amounts, descriptions and stable source identifiers, including pending, changed and removed records.

From your bank to a useful cash review

1. Authorize your business accounts

In BookLoQ, open Banking and Settlements and choose Connect bank. Read the financial-data notice, select your institution and intended business accounts in Plaid, then complete the bank's verification. Another workspace's bank authorization is never used for your business.

2. Check the import and approve its use

Inspect the institution, accounts, currencies and last successful sync. Allow initial history to arrive, compare a representative statement period and approve the synchronized source when appropriate. A successful sync alone does not certify completeness.

3. Review cash and commitments

Use approved bank cash with recorded bills, dated purchase commitments and expected receipts in Cash Plan. Review the daily low point and test receipt delays. Estimates are scenarios, not payment approval or a guarantee of financial stability.

See timing risk before the weekly close

Fictional cash-timing example · CAD

Opening available cash: $1,000.00
Monday obligation: −$1,500.00
Expected Friday receipt: +$1,000.00

The expected weekly close is $500.00, but the daily cash low is negative $500.00 before Friday. A receipt-delay scenario changes the timing assumption; it does not authorize spending or change the books.

Connection health and history

An initial import requests up to 730 days of available history. The institution determines how much is actually supplied. Incremental sync and signed update notifications retrieve new, modified and removed transactions. Transaction updates are periodic, not a real-time or complete-statement guarantee. Review connection status and last successful sync, and compare a representative statement period.

A successful sign-in does not mean the initial history is complete.
Review and approve the synchronized source before its records can support cash insights. Imported bank transactions do not post accounting entries automatically.
Expected invoice receipts do not increase supplier purchasing capacity. Stale, unsupported or unreviewed cash sources keep spending conclusions unavailable.
A bank deposit is not automatically revenue. Transfers, sales tax, fees and loan principal need the appropriate treatment and supporting evidence.

If your bank requires verification again, use Reconnect in BookLoQ. If a code does not arrive, use your bank's offered recovery methods or contact the bank through its official channels. BookLoQ cannot bypass bank verification. A supported statement import can provide separately labelled historical evidence.

Your authorization stays separate from accounting approval

You review a financial-data authorization before Plaid Link opens and complete your bank's verification yourself. Vanteloq does not receive your online banking password. Encrypted provider credentials support refreshes until you disconnect or authorization needs renewal. This integration cannot move money or make payments.

Source approval, categorization, evidence matching, reconciliation and journal posting are separate review steps. AI can explain permitted records; it cannot approve payments or post entries for you. Bank movements alone do not establish profit, deductible expenses or tax liability.

Financial-data privacy →Retention and deletion →Service providers →Plaid privacy →

Keep the next step practical

Review upcoming collection dates, supplier commitments and your cash floor with your bookkeeper or accountant. The cash plan is limited to the records and assumptions shown. No tax filing, money movement or professional certification is implied.

Open BookLoQ Banking →Get setup help →Plaid Transactions documentation →