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Many UK businesses don’t go under because they’re unprofitable. They go under because they run out of cash. One late payment. One unexpected tax bill. One bad month—and suddenly, you’re really scrambling.
Yet too many businesses still rely on pure guesswork and outdated spreadsheets to predict their cash flow. That’s reckless, especially in a UK economy full of late-paying clients, interest rate turbulence, and unpredictable currency swings.
If cash flow kills businesses faster than anything, the question to ask is: Do you actually know yours?
If you don’t see cash problems before they hit, you’re already too late. The right cash flow forecasting software can show you the path—before it wrecks your business.
Let’s take a look at the 12 best cash flow forecasting tools for UK businesses. But first:
What is cash flow forecasting software?
Cash flow forecasting software helps businesses see how much cash they’ll have in the future by tracking money coming in and going out. It updates forecasts based on real transactions, helps companies spot cash shortages before they happen, and makes it easier to pay bills on time, plan for growth, and avoid last-minute borrowing.
Benefits of cash flow forecasting software for companies in the UK
Cash flow forecasting is key to staying afloat and growing. The right software can make a huge difference, but first, let’s take a look at the challenges of flow forecasting challenges in the UK:
- Foreign Exchange (FX) volatility:
- Since Brexit, GBP has been more volatile, which has made it harder to predict future exchange rates and their impact on cash flows.
- UK companies trading with the EU (which uses EUR) and the US (which uses USD) must forecast currency fluctuations accurately to avoid sudden working capital shortages.
- Many mid-market UK firms don’t have sophisticated FX hedging strategies, meaning their cash flow forecasts are highly sensitive to market swings.
- Timing of inflows & outflows:
- Like for all businesses operating across multiple time zones (EU, US, Asia), forecasting cash can be a hurdle for UK companies due to differences in local banking cut-off times that cause delays in payments and settlements.
- Post-Brexit customs delays also mean companies need to pay suppliers earlier to account for longer lead times, which makes it harder to predict future outflows.
- Data accuracy & visibility:
- Many UK firms operate across multiple banking platforms, especially after Brexit, where some EU-based banking relationships changed.
- The lack of real-time data from subsidiaries, suppliers, and customers makes it difficult to get an accurate picture of future cash positions.
- Despite Open Banking advancements, many UK mid-market firms still rely on manual forecasting methods (Excel), which increases errors.
- Customer late payments:
- Many UK companies rely on EU and other overseas customers, where standard payment terms are longer (often 60-90 days in countries like France, Spain, and Italy).
- UK’s economic slowdown has led to rising domestic late payments, that make it harder to predict when expected cash inflows will materialize.
- Large UK companies struggling and even collapsing have made mid-sized businesses more cautious, sometimes holding cash instead of paying suppliers on time.
- Supplier & vendor payment terms:
- Since Brexit, UK firms now face longer lead times and upfront customs/VAT payments, meaning earlier cash outflows are needed.
- Global suppliers (especially in Asia and the US) often demand shorter payment terms, creating pressure on UK working capital.
- Inflation and higher interest rates have made UK suppliers demand faster payments, making cash flow timing harder to predict.
- CapEx & investment uncertainty
- The UK government’s changing tax incentives are making it more difficult to predict future investment cash flows.
- Interest rate hikes by the Bank of England have made borrowing more expensive, impacting financing decisions for major investments.
- Uncertainty over UK trade deals and regulations makes it harder for companies to plan long-term CapEx spending and its cash impact.
- Banking & liquidity management:
- Some UK firms lost access to certain EU banking services post-Brexit, making liquidity management and cash pooling more difficult.
- Cross-border transactions between the UK and EU now have higher fees, affecting cash positioning and forecasting.
- Interest rate volatility means UK businesses must regularly reassess their cash holding strategies, making it harder to predict available liquidity.
- Scenario planning & sensitivity analysis:
- The UK’s economy has faced rapid shifts due to inflation, labor shortages, and Brexit-related supply chain issues, making worst-case scenario planning difficult.
- Geopolitical risks (UK-EU-US-China trade tensions) add unpredictability to future cash flow projections.
- Technology & systems integration:
- Many UK businesses still use legacy ERP systems, which makes cash forecasting more manual and error-prone.
- Limited automation adoption means cash flow forecasting remains reactive rather than predictive.
Best cash flow forecasting software features for UK businesses
| Cash flow management challenge | Worst-case scenario | Forecasting software feature benefit |
| FX volatility | Unexpected currency shifts shrink cash reserves, making supplier payments harder. | Multi-currency forecasting & FX rate integration: Adjusted forecasts based on real-time exchange rates. |
| Timing of inflows & outflows (payment delays) | Payment delays cause a cash shortfall, forcing emergency borrowing. | Real-time bank feeds & automated reconciliation: Up-to-date cash flow insights. |
| Data accuracy & visibility (manual errors, multiple banks) | Cash positions are miscalculated, leading to missed payments or unnecessary overdrafts. | Open Banking & automated data sync: Aggregated real-time cash positions from multiple banks. |
| Customer late payments (60-90 day terms) | A major customer delays payment, leaving the business short on working capital. | AI-driven AP/AR prediction for better forecasting. |
| Supplier & vendor payment terms (shorter terms, customs duties) | Early supplier payments drain cash reserves, causing operational strain. | Supplier payment scheduling & scenario testing: Modelling different timing strategies. |
| CapEx & investment Uncertainty (high interest rates, policy changes) | Unplanned tax changes or rate hikes make planned investments unaffordable | Scenario planning & tax forecasting: Modelling the impact of changing policies and interest rates. |
| Banking & liquidity management (EU banking restrictions, fees) | Limited access to banking services disrupts liquidity management. | Cash pooling & liquidity tracking: Consolidating funds across accounts and reducing fees. |
| Scenario planning & sensitivity analysis (inflation, Brexit, global trade risks) | Market shocks (inflation spikes, supply chain failures) cause cash flow crises. | What-if analysis & dynamic rolling forecasts: Testing multiple scenarios to prepare for financial shocks. |
Top 10 cash flow forecasting software UK
- Nomentia: A powerful cash flow forecasting tool for mid-to-large enterprises, leveraging AI and predictive analytics to consolidate global financial data and enhance forecast accuracy.
- Float: An intuitive forecasting tool for small businesses, automating scenario planning and real-time cash visibility through accounting software integration.
- The Access Group: A UK-focused forecasting solution for mid-sized businesses, offering integrated reporting, rolling forecasts, and driver-based planning.
- Salmon Software: Salmon Treasurer offers a comprehensive suite of features designed to streamline and optimize treasury management
- Sage: A user-friendly forecasting solution for accountants and small businesses with automated processes, customizable dashboards, and real-time cash flow insights.
- Fluidly: An AI-driven forecasting tool for SMEs, providing real-time cash flow updates, automated credit control, and funding recommendations.
- Futrli: A short-term forecasting tool with daily cash flow projections, scenario modeling, and confidence scoring for small businesses and accountants.
- Spotlight Reporting: A forecasting and reporting tool for financial advisors and SMEs, offering three-way forecasting, financial consolidation, and dynamic reporting.
- Kyriba: Treasury and financial management software designed for enterprises to enhance cash visibility, manage risks, and optimize liquidity
- ION treasury: ION Treasury offers a suite of treasury and risk management solutions designed to enhance cash flow forecasting and liquidity.
- GTreasury: GTreasury is a comprehensive treasury and risk management platform that provides real-time cash flow forecasting and liquidity management solutions.
- FIS: FIS offers a powerful treasury management platform with flexible cash flow forecasting and comprehensive financial management tools.
Best forecasting software: Features, pros, considerations, best for
Nomentia
Nomentia is a high-powered cash flow forecasting tool aimed at mid-to-large enterprises and multinational corporations. It centralizes forecasts by consolidating data from different banks and financial systems, making it easier for businesses with global operations to maintain cash flow visibility. The platform leverages AIA, predictive analytics, and machine learning to enhance forecast accuracy. Nomentia’s Automated forecasting features enable users to generate forecasts within minutes by integrating directly with ERP and banking systems. Automated variance analysis ensures companies can track actual figures against projections. Multi-currency support is a key feature, helping businesses manage cross-border cash flows and financial exposure efficiently.
| Key features | Strengths | Considerations | Best for |
|
Centralized cash and liquidity forecasts Predictive analytics Multi-currency support Automated scenario planning |
Consolidated data across multiple banks AI-enhanced forecast accuracy Global cash flow management |
Might be complex for very small businesses Requires strong data integration |
Mid-to-large enterprises managing multiple bank accounts Companies handling large volumes of transactions Multinational businesses needing FX insights |
Float
A user-friendly forecasting tool for small businesses, Float automates cash flow tracking, scenario planning, and real-time updates from accounting software. It provides early warning alerts and collaboration tools, making financial planning simple and proactive.
| Key features | Strengths | Considerations | Best for |
| Scenario planning Forecast automation |
Visualized the impact of financial decisions Automatically updated forecasts Alerts for cash shortages |
May not be detailed enough for complex forecasting needs Limited long-term forecasting options Not suited for highly volatile cash flows |
Small businesses needing cash flow insights Businesses preferring low-maintenance tools SMEs needing proactive cash flow monitoring |
The Access Group
A UK-focused forecasting tool for mid-sized businesses, offering integrated reporting, instant calculations, and rolling forecasts. Driver-based planning enhances projection accuracy by linking forecasts to key operational factors.
| Key features | Strengths | Considerations | Best for |
|
Integrated reporting Instant calculations Rolling forecasts |
Comprehensive reports Real-time updates for dynamic reporting |
Might be too complex for small businesses Extensive training requirements Higher cost than basic forecasting tools |
Medium-sized businesses needing detailed reporting Businesses making frequent forecast adjustments Companies needing constantly updated cash flow insights |
Salmon Treasurer
Designed to provide a highly flexible and configurable treasury management experience and tools for accurate cash forecasting and financial planning.
| Key features | Strengths | Considerations | Best for |
| Forecasting Risk management Intercompany processing Accounting interface |
Cash control automation & return optimization Customizability for corporate need |
May be too complex for mid-sized companies | Large corporations with complex treasury needs |
Sage
A forecasting solution for accountants and small businesses, Sage offers three-way forecasting, automated reporting, and real-time financial dashboards. It integrates with accounting software to streamline cash flow management.
| Key features | Strengths | Considerations | Best for |
|
Automated Processes Customizable Dashboards |
Streamlined forecasting and reporting Tailored insights |
Limited custom forecasting models Requires integration with Sage systems Less advanced than enterprise-level tools |
Accountants and financial advisors Small businesses looking for efficiency Businesses needing simple, intuitive dashboards |
Fluidly
An AI-powered forecasting tool for SMEs, Fluidly syncs with accounting software for real-time updates, automates credit control and offers funding recommendations. Its machine-learning projections help businesses manage cash flow with minimal effort.
| Key features | Strengths | Considerations | Best for |
|
AI-supported forecasting Real-time updates Credit control |
Uses machine learning for accurate projections Syncs with accounting software for live data Automated invoice and payment tracking |
May not provide deep customization Limited long-term forecasting options |
SMEs needing automated cash flow predictions Businesses with ongoing credit concerns |
Futrli
A short-term forecasting tool for small businesses, Futrli provides daily cash flow projections, confidence scoring, and scenario modeling. It simplifies financial planning with automated insights and split payment tracking.
| Key features | Strengths | Considerations | Best for |
|
Daily forecasting Scenario modelling |
Precise short-term cash insights Confidence scoring Financial risk planning |
Not ideal for long-term forecasting May require additional configuration |
Small businesses and accountants SMEs needing clear cash flow indicators Business owners preparing for uncertainties |
Spotlight Reporting
A powerful forecasting tool for advisors and SMEs, Spotlight Reporting offers three-way forecasting, financial consolidation, and dynamic reporting. It simplifies budgeting, cash flow tracking, and multi-entity financial management.
| Key features | Strengths | Considerations | Best for |
|
Custom charts Data consolidation |
Combines income, balance, and cash flow Visualizes key business drivers Quick financial reporting for multiple entities |
More expensive than simpler tools May not integrate well with all accounting systems Requires manual setup for complex businesses |
Financial advisors and SMEs Businesses needing tailored financial reports Multi-entity businesses needing group-level insights |
Kyriba
A strategic forecasting tool for small businesses and nonprofits, PlanGuru supports long-term budgeting, three-way forecasting, and scenario analysis. Its custom forecasting methods adapt to changing business conditions.
| Key features | Strengths | Considerations | Best for |
|
Real-time cash visibility and forecasting FX exposure and hedging solutions to mitigate financial risks Seamless integration with banks and ERP systems |
Extensive integration with banks, ERPs, and financial systems AI-powered insights for forecasting and risk management. Advanced fraud detection and payment security tools |
Can be complex to implement and configure for large organizations. Pricing may be high for smaller businesses Users may require extensive training to fully leverage its capabilities |
Large enterprises and multinational corporations Organizations managing complex cash and risk operations |
ION treasury
ION Treasury provides a suite of advanced treasury and risk management solutions designed to streamline cash flow forecasting, liquidity management, and risk mitigation. Their platform supports multinational corporations with complex financial structures by integrating real-time data from multiple banking and financial sources.
| Key features | Strengths | Considerations | Best for |
|
Comprehensive cash flow forecasting tools Liquidity and working capital management Advanced risk management and compliance capabilities Integration with ERP, banking, and financial systems |
Scalable solution suitable for mid-sized to large global enterprises Robust integration with various financial platforms and third-party tools |
Implementation can be complex and may require dedicated IT resources Customization may lead to longer deployment timelines |
Large multinational organizations needing an advanced treasury management system with strong forecasting and risk management capabilities |
GTreasury
GTreasury is a cloud-based treasury and risk management platform that provides real-time cash visibility, liquidity management, and automated financial workflows. Its modular design allows businesses to customize the solution based on their specific treasury needs, from cash flow forecasting to hedge accounting.
| Key features | Strengths | Considerations | Best for |
|
Real-time cash flow forecasting and liquidity tracking Seamless bank connectivity with automated reconciliation Advanced risk management, including FX and interest rate risk analysis |
Highly configurable solution tailored to specific treasury requirements Real-time visibility into global cash positions |
Implementation complexity, especially for large enterprises with multiple integrations Higher cost compared to simpler treasury solutions |
Mid-to-large-sized enterprises looking for a modern, cloud-based treasury platform with advanced cash management and risk analysis tools. |
FIS
FIS is an enterprise-grade solution that helps organizations optimize their liquidity, manage financial risks, and improve overall treasury operations. With powerful automation, analytics, and seamless integration with banking and ERP systems, FIS enables large corporations to maintain accurate cash forecasts and mitigate risks.
| Key features | Strengths | Considerations | Best for |
|
Automated cash flow forecasting and liquidity planning Risk assessment and mitigation tools, including market and credit risk analytics Compliance and regulatory reporting features |
Industry-leading treasury and risk management capabilities Strong automation and AI-driven insights to improve cash flow accuracy Scalable for large, complex organizations with global financial operations |
High level of customization may require significant implementation effort Requires in-depth training due to the extensive features and capabilities |
Large enterprises with complex treasury needs, requiring a comprehensive, AI-powered treasury and risk management solution |
Conclusion: Choosing the right cash flow forecasting software isn’t just about features
The best cash flow forecasting software in the UK isn’t the one with the longest feature list—it’s the one that fits your business and the realities of the market. With rising costs, changing tax regulations, and economic uncertainty, having clear, real-time financial insights is more important than ever. A small business might need simple, automated forecasting, while a larger company may require multi-entity reporting and FX management. The right tool helps you stay in control, plan ahead, and avoid cash flow surprises. The question is: which one will keep your business financially stable in today’s economy?
