Fluidly
Fluidly is a London-based fintech founded in 2016 that uses data science and accounting domain expertise to help SMEs plan and manage cashflow, targeting small businesses with ML-driven forecasting tools and operating with 11-50 employees.
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fluidly does
Fluidly is a London-headquartered, UK-based fintech company founded in 2016 that applies data science and accounting domain expertise to fundamentally rethink how businesses plan and manage cashflow. The company targets the SME and small-business segment with cashflow forecasting and planning tools built on machine learning applied to financial/accounting data, distinguishing its offering from traditional spreadsheet-based treasury work. Fluidly operates with a small team of 11-50 employees, is privately held, and is led by co-founder and Chief Data Scientist Johnnie Ball alongside CTO Michael Hancock, reflecting a technically driven founding team.
Between 2017 and 2019, Fluidly raised approximately $15.5M across three funding rounds: a seed round led by Octopus Ventures with Acequia Capital participating (September 2017, ~$2.7M), a Series A round led by Nyca Partners with Aerion Partners, Anthemis, and Octopus Ventures participating (November 2018, ~$6.5M), and a non-dilutive grant from the UK government-backed Capability and Innovation Fund (June 2019, ~$6.3M). The investor mix signals both UK fintech ecosystem alignment (Octopus, Anthemis) and US fintech validation (Nyca Partners), and the Capability and Innovation Fund award suggests institutional recognition of Fluidly's data science-led approach to SME financial management.
Beyond the firmographics and funding record, the available data is materially limited: no disclosed revenue, customer logos, headcount trajectory, post-2019 product launches, or geographic expansion milestones specific to Fluidly are present in the input. Notably, the aggregated dataset also contains a substantial amount of operational material on OakNorth Bank plc (a UK-regulated challenger bank focused on SME debt finance with £6bn+ lent), which appears in the same dataset and likely reflects a partnership, integration, or distribution relationship in the UK SME fintech ecosystem — though direct Fluidly-OakNorth operational linkage is not explicitly confirmed in the Fluidly-labeled sections. Investors should treat Fluidly-specific revenue, customer, and forward growth signals as data gaps requiring diligence.
Fluidly firmographics
Firmographics- Name
- Fluidly
- Legal name
- OakNorth Bank plc
- Website
- https://fluidly.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fluidly is a London-based fintech founded in 2016 that uses data science and accounting domain expertise to help SMEs plan and manage cashflow, targeting small businesses with ML-driven forecasting tools and operating with 11-50 employees.
- Ownership category
- akta.pro rank
Fluidly industry classification
Industry- Product category
- Cashflow Management Software
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
- akta.pro secondary industries
- Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Fluidly is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Fluidly business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Debt Finance / Business Loans: OakNorth generates revenue through interest and fees on debt financing products including property finance, specialist funds finance, custom-built corporate finance, and capital expenditure loans. The bank specializes exclusively in debt financing with minimum loan sizes starting at £1 million.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Business loans starting at £1 million |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Fluidly product offering
Product offeringCore offering
Fluidly provides a cashflow planning and management platform for businesses. It uses data science combined with accounting domain expertise to forecast and help companies manage their cash position, fundamentally rethinking the way businesses plan and manage cashflow.
Product overview
OakNorth Bank is an authorized UK bank offering debt finance lending products and banking services. The core offerings include: (1) Debt Finance - their primary lending product for businesses with minimum loan size of £1 million, encompassing property finance, specialist funds finance, and custom-built corporate finance; (2) Business Banking - services including accounting integrations, debit cards, payments, and business savings; (3) Personal Savings - individual savings products including ISAs and fixed-term accounts. The bank operates sector-agnostically, lending to businesses across hospitality, healthcare, manufacturing, and life sciences since its launch in September 2015.
Differentiator
Problem solved
Functional benefit
Products and services
- Fluidly cashflow planning platform
Quantifiable outcome
- £6 billion+ lent to UK businesses
- +1 more outcomes
Companies that use Fluidly
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles1 record
Fluidly technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Fluidly partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- RMT (RSM UK Group)coreRMT is an accounting and corporate finance firm that refers clients to OakNorth for debt financing. Corporate Finance Manager Julie Cuthbertson notes OakNorth is keen to upscale advisors with the right conversations for introducing customers they can support.
- Armstrong WatsoncoreCorporate finance firm referring clients to OakNorth. Corporate Finance Manager Stephen Dinsmore praises the accessibility of local people to talk through deals and quick feedback for clients.
- Cotton's GroupcoreOwner Richard Wilch chose OakNorth as a lender and now refers clients. Notes they like how OakNorth works and the quick feedback compared to traditional bank managers.
- Halidays Xeinadin GroupminorAccounting and business services firm shown as a partner in OakNorth's partner network.
- HentonsminorAccounting firm shown as a partner in OakNorth's partner network.
- PKFminorAccounting and advisory firm shown as a partner in OakNorth's partner network.
- AzetsminorAccounting and business services firm shown as a partner in OakNorth's partner network.
- BHPminorAccounting firm shown as a partner in OakNorth's partner network.
- CroweminorAccounting and advisory firm shown as a partner in OakNorth's partner network.
- Haines WattsminorAccounting and business services firm shown as a partner in OakNorth's partner network.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
Fluidly competitors and assessment
Company assessmentDirect peers
- Float: Float is a UK-based cashflow forecasting and planning platform built specifically for SMBs and finance teams, using bank data integrations. It is the most direct head-to-head competitor to Fluidly, serving the same UK SMB segment with the same core functionality (live cashflow forecasting, scenario planning).
- Fathom Analysis: Fathom provides financial reporting, forecasting, and cashflow analysis for accountants and SMBs, with deep Xero/QuickBooks integrations. It is a direct competitor to Fluidly for the accountant-driven SMB forecasting segment, particularly in the UK market.
Broad incumbents
- Xero: Xero is a leading global small-business accounting platform with built-in cashflow forecasting tools (short-term and long-term forecast). It is a broad incumbent that competes with Fluidly by embedding cashflow analytics into its core accounting workflow, leveraging a much larger SMB base.
- QuickBooks (Intuit): QuickBooks includes cashflow planning and forecasting features inside its dominant SMB accounting suite. As a broad incumbent, it competes with Fluidly by offering cashflow insight as a feature bundled with bookkeeping, payments, and tax tools.
Others
- TrueLayer: TrueLayer is a UK/EU open-banking infrastructure provider used by cashflow and lending apps to access bank transaction data. It is adjacent infrastructure to Fluidly's product (powers similar data connectivity) and a strategic enabler or competitor if it bundles higher-level insights.
- Plaid: Plaid provides bank-data connectivity infrastructure used by many fintech apps including cashflow tools. While not a direct competitor, it is an enabler/ecosystem participant that Fluidly-like companies depend on for transactional data.
Emerging players
- LiveFlow: LiveFlow delivers cashflow forecasting and financial dashboards for SMBs on top of QuickBooks/Xero, targeting accounting firms. It is an emerging player in the same category as Fluidly, with overlap in use case but a US-leaning geographic focus.
- Pulse (by Crezco): Pulse, built by Crezco, is an emerging UK/EU cashflow management tool for SMBs, combining forecasting with payments infrastructure. Comparable to Fluidly as a newer entrant bundling cashflow with adjacent fintech rails.
- Calqulate: Calqulate provides automated cashflow forecasting, runway, and burn analytics for SMBs and accountants using bank integrations. It targets a similar audience to Fluidly with partial feature overlap, focused more on subscription/SaaS metrics.
Regional players
- iwoca: iwoca is a UK SMB lender offering working capital and short-term business credit using cashflow data from accounting integrations. It is a regional peer focused on the adjacent lending use case that Fluidly's cashflow forecasts enable, targeting the same UK SME customer profile.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Fluidly social profiles
Digital presenceFluidly compliance and trust
Trust signalCompliance2 records
Fluidly financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fluidly leadership team
Management profileNumber of profiles
Profiles2 records
Fluidly funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fluidly 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 Fluidly
What does Fluidly do?
Fluidly provides a cashflow planning and management platform for businesses. It uses data science combined with accounting domain expertise to forecast and help companies manage their cash position, fundamentally rethinking the way businesses plan and manage cashflow.
Is Fluidly a public or private company?
Fluidly is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fluidly founded?
Fluidly was founded in 2015. It employs 11 to 50 people.
Where is Fluidly based?
Fluidly is headquartered in London, United Kingdom, in the Europe region.
How does Fluidly make money?
One revenue line is on record: debt Finance / Business Loans.
Who are Fluidly's main competitors?
Direct peers on record are Float and Fathom Analysis. Broad incumbents are Xero and QuickBooks (Intuit). Others are TrueLayer and Plaid. Emerging players are LiveFlow, Pulse (by Crezco) and Calqulate. iwoca is listed as a regional player.
Does Fluidly have an API?
No public API is recorded for Fluidly.
What industry is Fluidly in?
Fluidly's product category is Cashflow Management Software. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management, with a secondary code of FSAMAOAH, Cash Forecasting, Reconciliation & Liquidity Tools. Its SIC code is 6199.