Cash Flow Forecasting Software
Cash Flow Forecasting Software for B2B Finance Teams
Forecasts cash flow from actual AR collection history, not payment term assumptions.
Trusted by the world’s leading B2B Finance Teams
What to Look for in Cash Flow Forecasting Software
Most cash flow tools let you enter numbers. For B2B finance teams, the accuracy depends on where those numbers come from.
AR-Driven Inflow Modelling
Inflow accuracy is where most forecasts fail. Look for software that projects inflows from your actual AR data rather than invoice due dates or manual inputs. Due dates tell you when payment is expected. Your collection history tells you when it actually arrives.
Billing Cohort Analysis
A single average payment figure like DSO hides how customers actually pay. Look for software that uses billing cohort collection rates, tracking what percentage of invoices from a given month collected in month one, two, three. That distribution gives you a far more accurate inflow model than any average metric.
ERP and Accounting Integration
Your forecast is only as current as the data feeding it. Look for direct ERP integration so receivables update automatically. A forecast built on last week's AR snapshot has already started drifting from reality.
Short-Term and Medium-Term Horizon Support
A 13-week operational forecast and a 6-month planning forecast need different inputs. Look for software that supports both horizons without forcing you to rebuild the model each time, so your team can move between operational and planning views without manual rework.
Scenario Planning
A single-line forecast only tells you what happens if everything goes to plan. Look for the ability to model scenarios: what if your three largest customers each slip 30 days? The scenarios you run before a problem arrives are the ones that give you time to act.
Connection to Your AR Workflow
If your collections process is slow or your AR aging is inaccurate, your forecast inherits those problems. Look for software where forecasting and collections share the same platform, so improving collections directly tightens the forecast.
How Cash Flow Forecasting Software Like Upflow Works
From your AR data to a 6-month inflow projection, automatically.
Connect Your ERP or Accounting Tool
Upflow connects directly to your ERP or accounting system and pulls in your invoices, payment history, and billing data automatically. There are no spreadsheets to maintain, no manual exports, and no risk of working from data that is already out of date by the time you open it.
Build Your Billing Cohort
Upflow aggregates your invoices by month and calculates the collection rate for each cohort: what percentage collected in month one, what percentage in month two, and so on. This gives you a clear picture of how your customers actually pay, broken down by period, rather than a single average figure that hides the variance underneath it.
Project Inflows Forward
Using your cohort collection rates, Upflow projects how much cash is likely to come in over the next six months. You can also input expected future billings to extend the forecast forward from current receivables. The model updates automatically as new invoices are issued and payments come in, so the forecast always reflects your current receivables position.
Identify Gaps Before They Arrive
With a rolling inflow projection in front of you, periods where cash is likely to run tight become visible weeks in advance rather than days before they happen. You can use that window to accelerate collections on key accounts, adjust payment terms for new contracts, or make decisions about timing large outflows around the months where inflows are expected to dip.
Upflow Cash Flow Forecasting Software
Inflow forecasting built from your AR data, not assumptions.
Billing Cohort Cash Forecast
Upflow calculates your collection rates by billing cohort and uses them to project cash inflows for the next six months. The forecast updates automatically as your receivables data changes, with no manual modelling required.
ERP-Connected, Always Current
Because Upflow connects directly to your ERP or accounting tool, your forecast is always built from live receivables data. No manual data entry, no outdated exports, no reconciling two versions of the same number.
Forecasting Inside Your AR Platform
Upflow's cash forecast sits inside the same platform as your collections workflow, your AR aging, and your customer payment history. Improving your collections process directly improves your forecast accuracy, because the two are working from the same data.
Cash Flow Forecasting Software That Connects to Your Finance Stack
NetSuite
Pennylane
QuickBooks Online
Rillet
Sage Intacct
Xero
Chargebee
Stripe Billing
Zuora
Gmail
Slack
MCP Server (Claude, ChatGPT, Copilot)
Professionnal Services
Upflow APIHubspot
Salesforce
Billing
CommunicationGmailSlack
GmailSlackCRMHubspotSalesforce
HubspotSalesforceAdvanced Custom Integrations
Accounting & ERP
Upflow connects to your ERP, accounting tool and CRM so your cash forecast is always built from current receivables data, not a spreadsheet you updated last week.
Real-time sync
No-code setup
Enterprise-grace security
Don't see your tool?
Don't see your tool?
Benefits of Using Cash Flow Forecasting Software Like Upflow
Stop estimating when customers will pay. Upflow builds your forecast from when they actually did.
Forecasts Built on How Customers Actually Pay
Invoice due dates are not a reliable basis for inflow forecasting. Upflow uses your billing cohort collection rates instead, so your projected cash position reflects real payment behaviour rather than optimistic assumptions about terms compliance.
Spot Cash Shortfalls Before They Happen
A rolling 6-month inflow projection gives your finance team visibility into soft periods before they arrive. That window is the difference between proactively accelerating collections and scrambling to cover a gap that was predictable weeks earlier.
No Manual Modelling
Most cash flow forecasting tools require finance teams to maintain spreadsheet models and manually update inputs each month. Upflow's forecast updates automatically as your ERP syncs, which removes the maintenance overhead and keeps the numbers current without anyone having to touch them.
Tighter Collections, More Accurate Forecasts
Because your cash forecast and your AR workflow live in the same platform, improvements to your collections process narrow the gap between forecast and actual. A team that follows up earlier on overdue invoices does not just collect faster; it makes the next forecast more reliable.
Replace Excel Without Losing Flexibility
Excel cash flow models are fragile, slow to update, and prone to formula errors. Upflow gives finance teams a live, ERP-connected inflow forecast without requiring them to rebuild their whole cash management process. You can still input expected future billings manually to extend the model when you need to.
Useful Input for Board and Investor Reporting
A cash inflow forecast built from cohort collection rates is a more credible number to put in front of investors than one based on due dates. It reflects your actual receivables performance and your billing history, which are the inputs that matter when someone is trying to understand your cash position honestly.
The best cash flow forecasting platform, as rated by 200+ happy users
Cash Flow Forecasting Software FAQs
Everything You Need to Know About Cash Flow Forecasting Software
Ask AI
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.
Upflow connects to NetSuite, Sage Intacct, Rillet, QuickBooks, Xero, Pennylane, Chargebee and Stripe Billing for ERP and billing data, and syncs with Salesforce, Slack and Gmail to keep finance and sales aligned. Setup takes minutes and your invoice data, payment history and customer records stay consistent across every tool without manual reconciliation.
Full AR visibility, free forever.
Get AR analytics with your live data, benchmarked against best-in-class B2B companies.
