Upflow
Upflow is a Paris-based B2B Financial Relationship Management software company that automates accounts receivable, cash collection, analytics, and payments for finance teams at SaaS, HR tech, fintech, and other B2B companies.
- Company typePrivate
- Founded2018
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Upflow does
Upflow is a privately held B2B Financial Relationship Management (FRM) software company founded in 2018, headquartered in Paris with a US presence in New York and Delaware incorporation. The company markets itself as a "CRM for Finance," offering a unified platform that combines automated multi-channel cash collection, real-time AR analytics (DSO, Best Possible DSO, CEI, At-Risk Rate), AI-powered cash application, and integrated B2B payment processing. It targets B2B finance teams — controllers, AR managers, and CFOs — across enterprise, mid-market, and SMB segments in industries including SaaS, HR tech, fintech, security, staffing, and B2B marketplaces, with disclosed customers such as Lattice, Front, Productboard, Side, Malt, WorkMotion, Invicti, Flinks, Feefo, and Carver.
The platform is built on a layered architecture: a workflow and rules engine for collection campaigns (email, SMS, calls, letters) sits on top of certified native integrations with major ERPs and billing systems — NetSuite (SuiteCloud Developer Network Partner), Sage Intacct, QuickBooks, Xero, Stripe, Zuora, and Chargebee — providing real-time bidirectional sync and automatic payment write-back. An AI layer (Upflow AI) adds autonomous cash collection agents, AI assistants for repetitive tasks, generative Suggested Replies for customer communications, and predictive cash forecasting via billing cohort analysis. Upflow also offers a public API at developer.upflow.io and, as of April 2026, an MCP Server that surfaces AR data and actions to third-party AI tools.
Upflow generates revenue primarily through SaaS subscriptions priced on a quote-based annual model, with a free Discover analytics tier enabling product-led acquisition at the top of funnel. Distribution combines direct enterprise sales, inside sales for mid-market, self-serve evaluation, and ERP/billing marketplace listings. The company has raised approximately $20 million in total disclosed funding — a $2.7M seed in 2020, a $15M Series A in 2021 led by 9yards Capital with N26/auxmoney/Uber angels, and a $5M round in April 2024 led by Lorimer Ventures — and is SOC 2 Type 2 certified.
Upflow firmographics
Firmographics- Name
- Upflow
- Legal name
- Upflow Inc.
- Website
- https://upflow.io
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Upflow is a Paris-based B2B Financial Relationship Management software company that automates accounts receivable, cash collection, analytics, and payments for finance teams at SaaS, HR tech, fintech, and other B2B companies.
- Ownership category
- akta.pro rank
Upflow industry classification
Industry- Product category
- Financial Relationship Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)
- akta.pro secondary industries
- Customer Success & Account Management CRM (HDAEAFAD), Corporate Treasury & Supplier Payments (AP, Mass Payments) (FSAMAKAL)
Keywords
Where Upflow is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Upflow business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Subscription (FRM Platform): Upflow generates revenue through SaaS subscription fees for its Financial Relationship Management platform. Pricing is quote-based and tiered, with the platform combining cash collection, analytics, and payment capabilities. The company offers a free Discover plan for analytics exploration, suggesting a freemium or trial component, while commercial use requires paid subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free Discover Plan - Analytics exploration at no cost |
| Subscription | Annual | Commercial Subscription - Full FRM platform access |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Upflow product offering
Product offeringCore offering
Upflow provides a Financial Relationship Management (FRM) platform for B2B businesses that combines automated cash collection, accounts receivable analytics, integrated payment processing, and AI-powered cash application into a single solution. The platform targets finance teams to reduce Days Sales Outstanding (DSO), automate personalized multi-channel dunning, and synchronize in real time with major ERP and billing systems (NetSuite, QuickBooks, Xero, Sage Intacct, Stripe, Zuora, Chargebee).
Product overview
Upflow is a Financial Relationship Management (FRM) platform — a unified solution that combines cash collection, analytics, payments, and cash application modules into a single integrated system. The core platform centers on Cash Collection (automated multi-channel dunning workflows) and Analytics (real-time DSO, CEI, and cash flow forecasting), augmented by Payments (white-label customer portal with Autopay and multi-method support) and Cash Application (AI-powered invoice matching). Upflow AI adds an autonomous collection layer with machine learning insights and AI assistants. All modules share a common data layer with native ERP integrations for bidirectional synchronization.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Relationship Management (FRM)
- Cash Collection
- Analytics
- Payments by Upflow
- Cash Application
Quantifiable outcome
- Reduce DSO by 10-20% through AI-driven automation
- +3 more outcomes
Companies that use Upflow
Customer profileNamed customers14 records
Segments4 records
Ideal customer profiles3 records
Upflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability8 records
Feature8 records
Upflow partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- PennylanecoreNative integration with Pennylane announced November 2025, unifying finance data, automating collections, and boosting cash flow with real-time sync, insights, and enterprise security.
- Oracle NetSuiteflagshipCertified NetSuite SuiteCloud Developer Network (SDN) Partner with native SuiteApp available in NetSuite Marketplace. Provides real-time two-way sync for invoices, payments, customers, contacts, and custom fields, with automated payment write-back and multi-subsidiary support for NetSuite OneWorld.
- Sage IntacctflagshipNative integration with Sage Intacct enabling real-time sync of invoices, payments, customer data, and journal entries with two-way synchronization and API key authentication setup in approximately 10 minutes.
- StripeflagshipNative integration with Stripe Billing for importing customers, invoices, and payments with real-time sync. Payments made through Upflow portal are automatically written back to Stripe with invoices marked as paid.
- ZuoraflagshipNative integration with Zuora for synchronizing invoices, payments, and customer data with OAuth authentication and two-way sync ensuring financial records stay enriched and up-to-date.
- ChargebeeflagshipNative integration with Chargebee syncing customers, invoices, credit notes, refunds, and payments every few minutes with bidirectional payment synchronization using API key authentication.
- Intuit QuickBooksflagshipNative integration with QuickBooks Online achieving 5-star rating in QuickBooks App Store. Syncs invoices, customers, payments, deposits, and journal entries every 10 minutes with payment write-back capability and OAuth-based secure connection.
- XeroflagshipNative integration with Xero for real-time sync of invoices, payments, and customer records. Setup takes less than 5 minutes with credentials-based authentication.
Scale indicators13 records
Recent moves7 records
Expansion highlights7 records
Upflow competitors and assessment
Company assessmentDirect peers
- Versapay: Versapay is a Toronto-based AR automation platform that combines collections workflows, customer payment portals, and B2B payments — very similar to Upflow's FRM positioning. Comparable in size and target market (mid-market and enterprise B2B finance teams), making it the closest direct competitor.
- YayPay (Finastra): YayPay, now part of Finastra, provides AR automation and collections software focused on mid-market and enterprise finance teams. Direct competitor on accounts receivable workflows, predictive collections, and customer payment experience.
- Gaviti: Gaviti is a SaaS collections and cash flow management platform for SMB and mid-market B2B companies. Closely comparable to Upflow's Cash Collection product, focusing on automated dunning, customer communication, and collections prioritization.
- Melio: Melio is a B2B payments platform enabling businesses to pay and get paid via ACH and card, with a focus on SMBs. Comparable in target customer profile and payment processing offering, competing in B2B payment enablement and cash flow management.
- Stampli: Stampli is an AP automation platform with collaborative invoice management and payments. While more AP-focused, Stampli overlaps with Upflow on B2B payments, ERP integration (including NetSuite), and finance workflow automation for mid-market customers.
Broad incumbents
- Bill.com: Bill.com is a publicly-traded B2B payments and AP/AR automation platform serving SMB and mid-market customers. While broader in scope (AP, spend management, corporate cards), Bill.com directly competes with Upflow in B2B AR payments and customer portal functionality, and is a much larger incumbent.
- HighRadius: HighRadius is a large, well-capitalized leader in autonomous AR, treasury, and order-to-cash software serving enterprise customers globally. Overlaps significantly with Upflow on collections automation, cash application AI, and AR analytics, but operates at much greater scale and breadth.
- Tipalti: Tipalti is an established AP automation platform that has expanded into AR and broader finance operations. Competes with Upflow on B2B payment processing, supplier/customer payments, and finance workflow automation, particularly for mid-market and enterprise customers.
Emerging players
- Modern Treasury: Modern Treasury provides payment operations infrastructure for B2B and platform companies, including bank integrations, money movement, and reconciliation. Adjacent to Upflow's Payments product, with overlap on payment processing and ERP-style integrations but a developer-first positioning.
Others
- Plaid: Plaid is a financial data connectivity platform that links bank accounts to applications. Not a direct competitor, but Plaid provides underlying infrastructure that B2B AR/payments platforms (including Upflow) may rely on for bank connectivity, payment verification, and reconciliation.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Upflow social profiles
Digital presenceUpflow compliance and trust
Trust signalCompliance2 records
Upflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Upflow leadership team
Management profileNumber of profiles
Profiles5 records
Upflow funding detail
Funding detailFunding overview
Funding rounds6 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Upflow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Upflow
What does Upflow do?
Upflow provides a Financial Relationship Management (FRM) platform for B2B businesses that combines automated cash collection, accounts receivable analytics, integrated payment processing, and AI-powered cash application into a single solution. The platform targets finance teams to reduce Days Sales Outstanding (DSO), automate personalized multi-channel dunning, and synchronize in real time with major ERP and billing systems (NetSuite, QuickBooks, Xero, Sage Intacct, Stripe, Zuora, Chargebee).
Is Upflow a public or private company?
Upflow is a private company. It is classified as venture growth investor backed and is currently operating.
When was Upflow founded?
Upflow was founded in 2018. It employs 11 to 50 people.
Where is Upflow based?
Upflow is headquartered in New York, United States, in the North America region.
How does Upflow make money?
One revenue line is on record: saaS Subscription (FRM Platform).
Who are Upflow's main competitors?
Direct peers on record are Versapay, YayPay (Finastra), Gaviti, Melio and Stampli. Broad incumbents are Bill.com, HighRadius and Tipalti. Modern Treasury is listed as an emerging player. Plaid is listed as an others.
Does Upflow have an API?
Yes. Upflow offers a public API enabling developers to build custom integrations. The API allows programmatic access to AR data, workflows, and collections management. Developers can discover the API at developer.upflow.io. Developer documentation is at developer.upflow.io.
What industry is Upflow in?
Upflow's product category is Financial Relationship Management Software. Its primary akta.pro industry code is FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation, with a secondary code of HDAEAFAD, Customer Success & Account Management CRM. Its NAICS code is 52232 and its SIC code is 7372.