Cash Flow Forecasting Software

Cash flow forecasting software projects future cash inflows and outflows to help finance teams understand their expected cash position over a given period. For B2B companies, the most important and most difficult part of that projection is the inflow side: estimating when customers will actually pay, which depends on billing cycles, payment terms, and collection behaviour rather than invoice due dates alone. The best cash flow forecasting software like Upflow pulls that data from your AR system rather than asking you to input it manually.

Most cash flow forecasts overstate inflows because they assume customers pay on their stated terms. Your AR data tells a different story: which customers consistently pay late, by how much, and in what pattern. Building your inflow forecast from billing cohort collection rates rather than due dates produces a projection that reflects actual payment behaviour. That is a materially more accurate number, particularly for businesses with high invoice volumes or customers who routinely pay outside their terms.

A full treasury tool covers all cash movements: accounts payable, payroll, debt service, and operating expenses alongside receivables. Cash flow forecasting software focused on AR, like Upflow, projects the inflow side specifically, based on your receivables data and collection history. For B2B finance teams where inflow timing is the primary source of forecast uncertainty, an AR-connected inflow forecast is often more practically useful than a full treasury model that treats all inputs with equal precision.

A billing cohort groups all invoices issued in a given month and tracks what percentage of that total collected in month one, month two, month three, and so on. It replaces a single DSO average with a distribution of actual payment timing. That distribution is the right input for inflow forecasting because it reflects the range of customer payment behaviour rather than a mean that hides the variance. Upflow calculates your billing cohort collection rates automatically from your ERP data.

Upflow's cash forecast projects inflows forward up to six months based on billing cohort rates and expected future billings. It is particularly suited to medium-term inflow planning rather than week-level cash management. For teams that need a 13-week operational forecast at the transaction level, Upflow's AR data and billing cohort analysis provide the inflow inputs that make that model accurate.

For most B2B finance teams, yes. Excel cash flow models require manual data entry, are slow to update, and break under the weight of high invoice volumes. An ERP-connected forecasting tool like Upflow maintains a live inflow model without manual inputs, updates automatically as your receivables change, and does not depend on one person knowing where the formulas are. Teams that need to model specific scenarios can still input assumptions manually on top of the live data.

Upflow integrates with NetSuite, Sage Intacct, QuickBooks, Xero, Chargebee, Stripe Billing, Zuora, Pennylane, Rillet and also offers an API. The cash forecast pulls your billing and collection data from whichever system you use, so the projection is always built from current receivables rather than a manual export.

Pricing varies by vendor and generally scales with the number of users, connected entities, or invoice volume. Some tools charge separately for forecasting features on top of a base AR platform. Upflow includes cash forecasting as part of its broader AR platform, and offers a free discovery option so finance teams can evaluate the product before committing.

Security is central for us, here at Upflow.

We use continuous protection and master-slave replication to protect against any database failures:

• Upflow maintains an active SOC 2 Type II attestation covering the Security, Availability, and Confidentiality criteria.

• Our data centres are hosted in the EU (Ireland) by Amazon Web Services.

• All data is encrypted in transit with TLS 1.2 or better, and at rest using AES 256 or better.

• We use Distributed Denial of Service (DDoS) mitigation services provided by Cloudflare.

We integrate seamlessly with your finance tech stack. In just a few clicks, connect Upflow to your existing ERP, billing or accounting software such as NetSuite, Sage Intacct, Rillet, QuickBooks, Xero, Chargebee and Stripe Billing. You can also sync with CRM and communication tools like Salesforce, Slack and Gmail to keep your teams aligned and your data fully unified.