Cashflow forecasting and funding for small businesses is broken. Having enough cash in the bank is something that’s so stressful for most business owners that they can’t sleep. 

We want to change that. Let our automated tools take away the stress.

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The Problem

Some worrying statistics


of small business failure is due to cashflow problems

The average number of days a UK small business is paid late


of UK small businesses are cashflow positive at any time


of small business owners have been kept awake at night worrying about cashflow

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The solution

An answer to all your cashflow worries

Small business owners have enough to worry about. At Fluidly, we want a future where cashflow is no longer a problem for any small business. That’s why we’re encouraging accountants to start providing Intelligent Cashflow to their clients, and for small businesses to start managing their cashflow in an intuitive, easy way.

Fluidly uses artificial intelligence to produce cashflow forecasts almost instantly. There’s no need for an expert to spend hours modelling the forecast. Fluidly does the data heavy-lifting for you, which makes the barrier to cashflow forecasting lower. It’s now an affordable service for businesses to ask from their accountant.

It’s also real-time. One of the deep flaws with traditional cashflow forecasting is that once it’s produced, it’s immediately out of date. This isn’t good enough for fast-growing businesses who need up-to-date information to make informed financial decisions. With Fluidly, business owners and their accountants are constantly connected to what’s going on in their living, breathing business.

Intelligent Cashflow is important because it’s genuinely forward looking. While traditional cashflow forecasts tell you ‘what’ has happened, Fluidly answers the more useful questions of ‘so what?’ and ‘now what?’ This future-facing view will transform the way that accountants and business owners work together to grow small businesses.

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What makes it different?

An All in one solution

Our intuitive and award-winning data platform Compass sits at the heart of our product, powering everything you need to manage the cash coming in and out of your business.

Say goodbye to hours wasted trying to set up a forecast that is instantly out of date in excel or trawling the web for funding options.

Our data does all the hard work, so you can see your cashflow forecast, scenario plan, get funding and chase debtors, all in one easy to use and hassle-free solution.

And if you’re an accountant, our professional services can help you better serve your clients and grow your practice.



Our mission

Managing your cashflow doesn’t need to be stressful. Let us help you worry less.

  • Will I have enough cash to make payroll?
  • Is it feasible for me to hire someone new?
  • Do I have enough to cover my next VAT bill?
  • My stock costs are going up, how I be affected?
We want to permanently eradicate:
  • Late decision making on taking business finance
  • Businesses paying overdraft fees
  • Late payments being accepted as part of life
  • Businesses overpaying on utilities because they don’t know any better

With Intelligent Cashflow, we envision a world where every business is in control of its financial future.


Our story

Caroline Plumb

Cashflow was a constant concern for our founder and CEO Caroline Plumb when she set up her first business (at just 21!), FreshMinds Consulting. FreshMinds is in the recruitment sector, notorious for late payments, and she was fed up of worrying about whether she could afford to make payroll or not.

Caroline wanted to create a solution that used data to help businesses get paid faster while providing certainty and peace of mind over their finances, the monitoring of cash, the use of cash, and the ability to raise more cash.

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The product

Once you sync your accounting data with Fluidly, we can help give you a continuous overview of the cash coming in and out of your business. 

Not only will you be able to monitor how much money you have available, but also how well you are using it, if payments are coming in late, for instance – and your ability or need to raise funding.

Click on each product feature to find out more.


We take data from your Xero or QuickBooks account to create a base forecast that’s always up-to-date.


Once your forecast is set up, use Plan to easily model the impact of different scenarios on your cashflow.


If your business is looking low on cash, get tailored, pre-qualified funding offers to help your business survive or grow.


Chase helps you get money in the bank, fast, by helping you collect what’s owed to you.


Not our words

What our clients and partners think, is what matters most to us.

Having the extra level of confidence in our cashflow that Fluidly provides has been great. Being able to more accurately predict when our invoices will be paid has taken a weight off my mind and allowed me to focus my attention elsewhere

Lauren Murphy

As a small business, we’re always juggling the needs of the business with limited resources. I feel more comfortable that nothing will go unnoticed since we started using Fluidly, confident that it will alert me to any issues with the company’s finances.

Daniel Jarrett
The Eleven & Born Social
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