What Float does

Float (legal entity: The Float Yard Ltd) is a UK-headquartered SaaS company that provides cloud-based cash flow forecasting software aimed primarily at UK small and medium-sized businesses and the fractional CFOs, agencies, and accountancy firms that serve them. Founded in Edinburgh around 2013 by Colin Hewitt following his experience running an agency called IfLooksCouldKill, Float has operated as a private, largely bootstrapped company with cumulative disclosed external funding of approximately $3.4 million across rounds from 2013 to 2020, the most recent led by Marchmont Ventures.

The core product is a real-time cash flow forecasting platform built around native, read-only integrations with three accounting platforms — Xero, QuickBooks Online, and FreeAgent — via direct API connections that import the last several months of transactions and synchronise daily. The platform uses the direct method of cash flow forecasting and offers a 13-week short-term view alongside up to 36-month projections, daily/weekly/monthly granularity, scenario planning for up to eight parallel scenarios, budget-vs-actuals tracking, early warning alerts for cash shortfalls, and multi-entity consolidation for fractional CFOs managing multiple client accounts. Float holds no public-facing API, no disclosed AI/ML capabilities, and no patents or formal compliance certifications, with the value proposition centred on speed of integration (under three minutes), real-time transaction-level data, and a visual interface designed for non-financial users.

Float generates revenue through tiered monthly or annual subscriptions priced on the customer's annual revenue rather than user count, ranging from £23/month for micro businesses to £958/month for enterprise customers, with annual billing providing a 17% discount and a multiple-company discount for users managing multiple entities. Go-to-market is hybrid: self-serve 14-day free trials on the website, supplemented by sales-assisted demos booked via Calendly for mid-market and enterprise deals, and amplified through the Xero App Store, QuickBooks App Marketplace, and FreeAgent ecosystem, where Float is rated five stars and positioned as the most popular cash flow forecasting tool on QBO and FreeAgent. Customer concentration sits with SMBs and fractional finance professionals across the UK, with pricing also published in USD, AUD, and EUR signalling selective expansion into North America and Australasia.

Name

Float

Legal name

The Float Yard Ltd

Website

https://floatapp.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Float (The Float Yard Ltd) is a UK-based SaaS platform that provides real-time cash flow forecasting software for small and medium-sized businesses, fractional CFOs, and accountancy firms, integrating natively with Xero, QuickBooks Online, and FreeAgent.

Ownership category

akta.pro rank

Product category

Cash Flow Forecasting Software

NAICS

Software Publishers (513210)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)

akta.pro secondary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

Keywords

• Cash flow forecasting
• Financial planning software
• Accounting software integration
• Scenario modeling
• SME finance tools

Headquarters

HQ city

Edinburgh

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Revenue: Float generates revenue through tiered subscription plans priced based on the customer's annual revenue. Plans include unlimited users and full feature access. Pricing ranges from £23/month (for businesses with £0-2.5M revenue) to £777/month (for £10M+ revenue), with annual billing providing 17% savings. The company also offers a multiple-company discount for users managing multiple entities or clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Float provides a cloud-based SaaS cash flow forecasting platform that automatically syncs real-time financial data from connected accounting software (Xero, QuickBooks Online, FreeAgent) to produce visual cash flow forecasts. The software delivers 13-week short-term and up to 36-month long-term projections, scenario planning, multi-entity consolidation, budget-vs-actuals tracking, and early-warning cash alerts for SMBs and fractional finance professionals.

Product overview

Float is a unified cash flow forecasting SaaS platform built around a single core product — Float Cash Flow Forecasting Software — which includes the branded 'Cash Flow Intelligence' capability. The platform architecture is structured around native, built-in integrations with three accounting platforms (Xero, QuickBooks Online, and FreeAgent), each supported by dedicated sub-product pages (Float for Xero, Float for QuickBooks, Float for FreeAgent) with platform-specific guidance and branding. All users access identical features via a single pricing plan structure with revenue-based tiers, including unlimited users, scenario planning, 13-week forecasting, and multi-entity consolidation. The product portfolio also includes specific feature modules (Visual Cash Flow Forecasts, Scenario Planning, Early Warnings, Budget vs. Actuals, Intelligence Auto Budgets, Company Dashboard) and ancillary offerings (14-Day Free Trial, Multiple Company Discount). There are no separate product editions, add-on modules, or acquired brands — all features are included in the single unified plan.

Differentiator

Problem solved

Functional benefit

Products and services

• Float Cash Flow Forecasting Software Cloud-based SaaS cash flow forecasting platform that automatically syncs real-time financial data from connected accounting tools (Xero, QuickBooks Online, FreeAgent) to produce visual cash flow forecasts. Provides scenario planning, 13-week short-term and 36-month long-term projections, daily/weekly/monthly views, budget-vs-actuals tracking, and multi-entity consolidation. Targeted at small and medium businesses, fractional CFOs, agencies, and accountancy firms.
• Float for Xero Dedicated product integration and onboarding experience for Xero users, providing pre-configured forecasting templates, Xero-specific workflow guidance, tutorials, case studies, and optimized setup processes for the Xero accounting platform. Connects via read-only one-way data sync in under 3 minutes.
• Float for QuickBooks Dedicated product integration and onboarding experience for QuickBooks Online users, with pre-configured forecasting templates, QuickBooks-specific tutorials, case studies, and optimized setup. Connects via read-only one-way data sync in under 3 minutes with automatic 24-hour data import.
• Float for FreeAgent Dedicated product integration for FreeAgent accounting platform users, providing pre-configured forecasting templates, FreeAgent-specific workflow guidance, and optimized setup with daily data sync. Connects in under 3 minutes via read-only data import.

Quantifiable outcome

• Saves 2-4 hours weekly on cash flow forecasting tasks (reduced from hours to 15 minutes)
• +3 more outcomes

Named customers16 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature9 records

Partnerships

Three partnerships are on record, tiered core.

• XerocoreTechnology or IntegrationFloat integrates with Xero accounting software as a read-only connection, automatically importing last 3-4 months of transactions. Float is listed on the Xero App Store with 5-star ratings. The integration takes under 3 minutes to set up and enables visual cash flow forecasting linked to Xero data.
• QuickBooks OnlinecoreTechnology or IntegrationFloat integrates with QuickBooks Online as a read-only connection, automatically importing financial data. Float is listed on the QuickBooks App Marketplace, rated 5 stars, and positioned as QuickBooks Online's most popular operational cash flow forecasting tool.
• FreeAgentcoreTechnology or IntegrationFloat integrates with FreeAgent accounting platform, automatically importing bills and invoices for cash flow forecasting. FreeAgent users can connect to Float in under 3 minutes, with Float positioned as FreeAgent's most popular cash flow forecasting tool.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Mosaic: Mosaic is a strategic finance platform that includes cash flow analytics and forecasting, increasingly serving mid-market and growth-stage SMBs that overlap with Float's higher tiers and fractional CFO users.
• Pulse: Pulse (formerly Pulse Cashflow) is a cash flow forecasting tool integrated with Xero and QuickBooks targeting SMBs and accountants, with overlapping direct-method forecasting and scenario planning capabilities relevant to Float's customer base.
• Cube: Cube is a broader FP&A platform with cash flow forecasting, scenario planning, and reporting — increasingly targeting the SMB and fractional CFO segments where Float competes, expanding from enterprise FP&A downmarket.

Direct peers

• Fathom: Fathom is a financial analysis, reporting, and cash flow forecasting tool that integrates with Xero, QuickBooks, and other accounting platforms — directly overlapping Float's core functionality, customer base (accountants and SMBs), and GTM via accounting marketplaces.
• Calxa: Calxa delivers cash flow forecasting, budgeting, and KPI reporting built for accountants and not-for-profits, with integrations to Xero and QuickBooks — overlapping Float's positioning as a specialist forecasting tool for finance professionals.
• LiveFlow: LiveFlow provides cash flow forecasting and reporting directly inside Google Sheets via Xero and QuickBooks integrations, targeting a similar SMB and fractional CFO audience with comparable read-only data sync and scenario planning capabilities.
• Spotlight Reporting: Spotlight Reporting offers financial reporting, dashboards, and cash flow forecasting for accountants and SMBs using Xero, QuickBooks, and Sage — competing head-to-head with Float in the same accounting-firm channel and SMB customer segments.
• Futrli: Futrli (now part of Sage) provides cash flow forecasting and reporting for SMBs using Xero, QuickBooks, and Sage — competing directly with Float and benefitting from Sage's broader accounting software ecosystem distribution.

Broad incumbents

• Sage: Sage is a major SMB accounting software provider that has integrated cash flow forecasting features directly into its products (and owns Futrli) — a broad incumbent whose bundled capabilities directly compete with Float's standalone offering.
• QuickBooks (Intuit): QuickBooks Online is one of Float's primary integration partners and increasingly bundles native cash flow forecasting and analytics — a broad incumbent whose native features pose direct disintermediation risk to Float's value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeopen.spotify.com/show/3xFG7oMEoei9Mmk5ijEh2f
• LinkedInlinkedin.com/company/float_2
• Xx.com/floatapp
• Facebookfacebook.com/FloatApp

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Float