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  <url>
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    <lastmod>2026-04-17</lastmod>
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  <url>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-04-17</lastmod>
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  <url>
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    <lastmod>2026-04-24</lastmod>
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  <url>
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    <lastmod>2026-04-17</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/blog/construction-bonding-5min</loc>
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  <url>
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    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-float.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-trovata.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-centime.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-agicap.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/about.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://treasuryflow.pantollventures.com/privacy.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/terms.html</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/security.html</loc>
    <lastmod>2026-04-17</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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  <!-- Vertical landing pages (CPO Day-1 Triggers #1–#4 + #7) -->
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    <loc>https://treasuryflow.pantollventures.com/construction-bonding</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/iolta-trust-accounts</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/property-companies</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Buyer-intent comparison pages (added 2026-04-23) -->
  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-kyriba</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-ramp-treasury</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/compare-mercury</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <!-- Free tools / lead magnets (added 2026-04-23) -->
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    <loc>https://treasuryflow.pantollventures.com/runway-calculator</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://treasuryflow.pantollventures.com/bonding-capacity</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
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