Uniflow
Uniflow is a UK fintech that builds an AI-powered Financial Operating System for startups and SMBs, plus a consumer financial planning app, using decentralized P2P architecture and open banking to 2,000+ European banks.
- Company typePrivate
- Founded2021
- HeadquartersSouthampton, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Uniflow does
Uniflow LTD is a UK-incorporated financial technology company (founded 2021, registered in Southampton, company number 12122344) that operates a dual-product financial management ecosystem. Uniflow Personal is a privacy-first mobile financial planning application for consumers featuring 30-year forecasts, debt elimination strategies, goal-based savings, and secure open banking connections to 2,000+ European banks. The Financial Operating System is an AI-powered platform targeting early-stage founders, CFOs, finance teams, investors, and accelerators, consolidating cash flow monitoring, runway forecasting, scenario planning, headcount modeling, spend management, and S&OP into a single environment with 50+ pre-built integrations to accounting, payment, CRM, and advertising platforms.
The underlying architecture is decentralized and peer-to-peer, employing VPN tunneling, military-grade end-to-end encryption, distributed storage, and blockchain-based self-sovereign digital identity — an approach that contrasts with centralized fintech data storage conventions. AI capabilities span predictive analytics, anomaly detection, process automation, generative financial narratives, optimization, and recommendation engines, packaged into three premium advisory services (AI CFO, AI Financial Manager, AI Finance Consultant) that are positioned as substitutes for traditional finance consultants and fractional CFOs.
The business model is freemium-first: the core platform is free forever for both individuals and businesses with no credit card required, and premium subscriptions (pricing not publicly disclosed) gate advanced features such as Excel/PDF export, valuation methodologies, financial ratio analysis, and the AI advisory suite. Distribution is product-led via web (business.universalflow.io), mobile app stores, and a library of free calculator tools and templates used as top-of-funnel lead magnets, supplemented by direct sales motions targeting accelerators and VC portfolios. Compliance posture includes SOC2 Type 2 Privacy certification, FCA-regulated standards adherence, and GAAP/IFRS-compliant calculation formulas.
Uniflow firmographics
Firmographics- Name
- Uniflow
- Legal name
- Uniflow LTD
- Website
- https://universalflow.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Uniflow is a UK fintech that builds an AI-powered Financial Operating System for startups and SMBs, plus a consumer financial planning app, using decentralized P2P architecture and open banking to 2,000+ European banks.
- Ownership category
- akta.pro rank
Uniflow industry classification
Industry- Product category
- Financial Planning & Analysis Software
- NAICS
- Portfolio Management and Investment Advice (523940), Software Publishers (51321)
- SIC
- Investment Advice (6282), Services-Engineering, Accounting, Research, Management (8700)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industries
- Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), Open Finance Expansion (investments, pensions, insurance, utilities data) (FSAGACAK)
Keywords
Where Uniflow is headquartered
LocationHeadquarters
- HQ city
- Southampton
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Uniflow business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Freemium Platform (Core): Uniflow offers a free forever plan for both personal and business tiers with no credit card required. Basic financial modeling, forecasting, and planning tools are available at no cost for individuals and early-stage startups/SMEs. This freemium model drives user acquisition and viral adoption, with premium upsell pathways to paid features.
- Premium Subscription (Business): Paid premium features for business users including: exporting financial models to Excel/PDF, business valuations using industry-accepted methodologies, financial ratio analysis, and industry-specific benchmarking data. Users are offered a premium subscription plan after the free 3-week period expires. Premium subscription provides deeper insights for more complex financial needs and is billed monthly with the ability to cancel at any time.
- AI Advisory Services (AI CFO / AI Financial Manager / AI Finance Consultant): On-demand AI-powered financial advisory services targeting SMEs, replacing or augmenting traditional finance consultants at a fraction of the cost. Services include balance sheet reconciliation, accounting consolidation, audit-ready reporting, suitability reporting automation, and activity-based budgeting. Sold as premium tiers of the platform subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Free | Free Forever Plan (Personal) |
| Freemium | Free | Free Forever Plan (Business) |
| Subscription | Monthly | Premium Business Subscription |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels10 records
Uniflow product offering
Product offeringCore offering
Uniflow is a financial management ecosystem offering two distinct product lines: (1) Uniflow Personal, a privacy-first, offline-capable mobile financial planning app for individuals with 30-year forecasts, debt management, and open banking connections to 2,000+ European banks; and (2) a Financial Operating System for businesses (startups, SMEs, CFOs, investors, accelerators) providing AI-powered financial modeling, cash flow management, scenario planning, headcount planning, spend management, and on-demand AI advisory (AI CFO, AI Financial Manager, AI Finance Consultant). The platform integrates with 50+ accounting, payment, CRM, and ad tools.
Product overview
Uniflow is a financial management ecosystem offering separate but interconnected platforms for individuals (Uniflow Personal) and businesses (Financial Operating System + Financial Modelling Tool). The business platform consists of a modular architecture with core components: Financial Operating System (cash flow management, forecasting, scenario planning, headcount planning) and Financial Modelling Tool (5-year business planning). Optional add-on modules include AI CFO, AI Financial Manager, AI Finance Consultant, S&OP Software, Spend Management Software, Business Planning Software, and Workforce Planning Platform. The company also provides a suite of 10+ free financial calculator tools (Headcount Calculator, Growth Calculator, Simple Valuation, CAC Calculator, LTV Calculator, Berkus Valuation, Break-Even Analysis, Scorecard Valuation, Runway Calculator) and a free Revenue Model Template. Personal and business products share integration infrastructure with 50+ connectors including Xero, QuickBooks, FreeAgent, Stripe, Salesforce, and open banking to 2000+ European institutions.
Differentiator
Problem solved
Functional benefit
Brands
- Uniflow Personal: Privacy-first, offline financial planning application for individuals with features including 30-year financial forecasts, debt management, and secure bank connections.
- Uniflow Financial Operating System
- Uniflow Financial Modelling
Products and services
- Uniflow Personal Privacy-first, 100% offline-capable mobile financial planning app for individual consumers. Provides 30-year financial forecasts, debt elimination strategies (avalanche/snowball methods), goal calculators, wealth projections with compound interest, and secure open banking connections to 2,000+ European banks. Uses blockchain-based decentralized self-sovereign digital identity giving users full data ownership.
- Financial Operating System AI-powered financial intelligence platform for startups, SMEs, CFOs, finance teams, investors, and accelerators. Replaces spreadsheets with automated financial modeling, real-time cash flow monitoring, scenario planning, headcount modeling, spend management, and S&OP. Integrates with 50+ tools including Xero, QuickBooks, Stripe, Salesforce, and HubSpot.
- Financial Modelling Tool Step-by-step 5-year financial planning tool for startups and SMEs that requires no Excel or finance expertise. Generates automated financial projections, valuation calculations using industry-accepted methodologies, financial ratio analysis, and supports export to Excel/PDF. Free forever tier plus premium subscription for advanced features.
- AI CFO
Quantifiable outcome
- Build investor-ready financial models in minutes instead of weeks
- +9 more outcomes
Companies that use Uniflow
Customer profileNamed customers8 records
Segments9 records
Ideal customer profiles4 records
Uniflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability28 records
Feature9 records
Uniflow partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and supporting.
- XerocoreXero is a leading cloud accounting platform integrated with Uniflow's Financial Operating System. Uniflow syncs bi-directionally with Xero, enabling automated ledger reconciliation, live financial data population in forecasting models, and elimination of manual CSV exports.
- QuickBookscoreQuickBooks accounting software integration enabling bi-directional sync with Uniflow's financial platform. Users can connect their QuickBooks accounts to automate transaction reconciliation and populate live financial models without manual data entry.
- FreeAgentsupportingFreeAgent is an online accounting software platform integrated with Uniflow, enabling UK-focused accounting sync for small businesses and freelancers using the FreeAgent ecosystem.
- Zoho BookssupportingZoho Books is an accounting software integration partner for Uniflow, enabling businesses using Zoho's suite of business tools to connect their financial data into Uniflow's forecasting and planning platform.
- StripecoreStripe payment processor integration with Uniflow's platform, enabling real-time tracking of revenue streams, automated transaction reconciliation, cash flow monitoring, and SaaS metric tracking (MRR, churn, LTV). Auto-sync updates hourly.
- SquaresupportingSquare POS and payment integration enabling real-time revenue tracking for retail and service businesses using Square's payment ecosystem.
- PayPalsupportingPayPal payment processor integration enabling transaction tracking and revenue stream monitoring for businesses accepting PayPal payments.
- ToastsupportingToast restaurant POS system integration enabling real-time revenue tracking for food and beverage businesses using Toast's payment and POS platform.
- HubSpotsupportingHubSpot CRM integration enabling marketing ROI measurement, sales pipeline tracking, and customer acquisition cost (CAC) analysis by connecting HubSpot data into Uniflow's financial planning models.
- SalesforcesupportingSalesforce CRM integration enabling enterprise sales pipeline data to feed into Uniflow's financial forecasting and runway models, providing a complete view of sales-driven cash flow impacts.
- Amazon AdssupportingAmazon Ads integration enabling tracking of advertising spend on Amazon's platform alongside financial performance data in Uniflow's unified financial operating system.
- Meta AdssupportingMeta (Facebook/Instagram) advertising platform integration enabling tracking of social media ad spend against financial performance metrics within Uniflow's platform.
- TikTok AdssupportingTikTok Ads integration enabling tracking of TikTok advertising spend and correlating it with revenue outcomes in Uniflow's financial planning dashboards.
- PlaidcorePlaid is a financial data platform used by Uniflow to connect users' bank accounts. Uniflow uses Plaid's infrastructure for secure bank account connections in its AI Finance Consultant, AI Financial Manager, and AI CFO services, enabling automated balance sheet reconciliation and real-time financial data aggregation.
Scale indicators11 records
Recent moves4 records
Expansion highlights5 records
Uniflow competitors and assessment
Company assessmentDirect peers
- Float: Float is a cash flow forecasting and financial planning platform for SMBs and finance teams, integrating with Xero, QuickBooks, and spreadsheets. It competes head-to-head with Uniflow's cash flow management and FP&A modules for the same SMB buyer.
- Causal: Causal is a business planning and financial modeling platform that lets startups build models, run scenarios, and forecast without spreadsheets. It directly competes with Uniflow's Financial Operating System and Financial Modelling Tool in serving early-stage founders and finance teams.
- Fathom: Fathom provides financial analysis, reporting, and forecasting built on top of Xero and QuickBooks for advisors and SMBs. It overlaps with Uniflow's financial ratio analysis, valuation, and benchmarking features for the accounting-adjacent user.
- Mosaic: Mosaic is a strategic FP&A platform purpose-built for startups and the VC ecosystem, combining financial planning, scenario modeling, and portfolio reporting. It is a direct competitor to Uniflow's Financial Operating System, especially for the founder/CFO/investor/accelerator personas.
- Runway (financial planning): Runway is a financial planning and analysis platform for startups with runway tracking, scenario planning, and board reporting. Uniflow explicitly targets Runway as a competitor in SEO comparison pages, indicating direct overlap in the startup FP&A category.
- Pigment: Pigment is a modern business planning platform combining FP&A, sales planning, and workforce planning with scenario modeling. It competes with Uniflow's broader Financial Operating System positioning across workforce, S&OP, and scenario planning modules.
Broad incumbents
- Planful: Planful is an established FP&A and financial close platform for mid-market and enterprise finance teams. It overlaps with Uniflow's FP&A, scenario planning, and continuous forecasting capabilities at a higher-end buyer tier.
- Anaplan: Anaplan is an enterprise connected planning platform covering finance, sales, HR, and supply chain. Uniflow targets Anaplan in comparison content as the legacy incumbent it aims to displace for startups and mid-market FP&A buyers.
Others
- Plaid: Plaid is the open banking and financial data connectivity infrastructure Uniflow depends on for bank account linking. As an infrastructure/enabler partner rather than a competitor, it is critical to Uniflow's bank connectivity and is also a downstream comparison point for embedded finance players.
Emerging players
- Tiller: Tiller automates spreadsheet-based personal and small business finance by populating Google Sheets and Excel with live bank data. It is an emerging adjacent player serving the same spreadsheet-displacement narrative Uniflow uses for founders and individuals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Uniflow social profiles
Digital presenceUniflow compliance and trust
Trust signalCompliance4 records
Uniflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Uniflow leadership team
Management profileNumber of profiles
Profiles1 record
Uniflow funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Uniflow 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 Uniflow
What does Uniflow do?
Uniflow is a financial management ecosystem offering two distinct product lines: (1) Uniflow Personal, a privacy-first, offline-capable mobile financial planning app for individuals with 30-year forecasts, debt management, and open banking connections to 2,000+ European banks; and (2) a Financial Operating System for businesses (startups, SMEs, CFOs, investors, accelerators) providing AI-powered financial modeling, cash flow management, scenario planning, headcount planning, spend management, and on-demand AI advisory (AI CFO, AI Financial Manager, AI Finance Consultant). The platform integrates with 50+ accounting, payment, CRM, and ad tools.
Is Uniflow a public or private company?
Uniflow is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Uniflow founded?
Uniflow was founded in 2021. It employs 1 to 10 people.
Where is Uniflow based?
Uniflow is headquartered in Southampton, United Kingdom, in the Europe region.
How does Uniflow make money?
Three revenue lines are on record. Freemium Platform (Core) is the primary driver. The others are premium Subscription (Business) and AI Advisory Services (AI CFO / AI Financial Manager / AI Finance Consultant).
Who are Uniflow's main competitors?
Direct peers on record are Float, Causal, Fathom, Mosaic, Runway (financial planning) and Pigment. Broad incumbents are Planful and Anaplan. Plaid is listed as an others. Tiller is listed as an emerging player.
Does Uniflow have an API?
No public API is recorded for Uniflow.
What industry is Uniflow in?
Uniflow's product category is Financial Planning & Analysis Software. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of BPAMAFAJ, Open Banking, Account Aggregation & Payment Initiation APIs. Its NAICS code is 523940 and its SIC code is 6282.