1. A computer-implemented method of determining an optimal cash flow plan corresponding to a plurality of payment obligations in accounts payable of a finance account while optimizing at least one objective related to amounts of the payments and dates of the payments in the cash flow plan, the computer-implemented method comprising: generating a genome population having a first set of vectors, each vector representing a cash flow plan, numerically defining for each payment obligation a payment date and a payment amount; and iteratively modifying the genome population using a genetic algorithm until a vector forming the optimal cash flow plan is determined that maximizes a minimum daily cash on hand in the finance account while simultaneously optimizing the plurality of objectives.