Top Free Cash Flow Management Software - Page 4

Chipax

Chipax es la forma más fácil de ordenar las finanzas de tu empresa. Se conecta al SII y a tus bancos para dejar todo en un solo lugar, al día y sin planillas. Concilia tu cartola automáticamente, ve cuánto te deben y cuánto debes, gestiona la cobranza y sigue tu flujo de caja y EERR por centro de costo. Tu contador entra con su propio acceso, y puedes conectar Chipax con ChatGPT o Claude para hablar con tus números. Hace más de 10 años ayudamos a pymes en Chile a tener el control de sus finanzas. Más de 3.000 empresas confían en Chipax: consultoras, estudios de abogados, agencias, constructoras y distribuidoras, y también tiendas y restoranes. Pruébalo gratis con ayuda de nuestro equipo.

Fiskl Accounting

Discover Fiskl: The All-In-One AI-Powered Finance Management and Accounting App for Small Businesses Managing your small business finances doesn't have to be painful and time-consuming. Fiskl makes it easy with a comprehensive suite of accounting, invoicing, reporting, and financial tools tailored for entrepreneurs' needs. Trusted by over 70,000 SMEs globally, Fiskl provides award-winning financial management accessible anywhere via mobile. Key features include: 🔹 Full Accounting Capabilities: Fiskl delivers complete double-entry accounting covering invoicing, bank/credit card connections, expense tracking, reconciliation, financial statements, and more. 🔹 AI-Powered Automation: Our proprietary auto-categorization engine uses AI to automatically categorize transactions, match transfers, and reconcile accounts, saving hours of manual work. 🔹 Mobile Apps: Our iOS and Android apps enable managing finances on the go with full accounting on mobile - a must for today's businesses. 🔹 Multi-Currency: Advanced multi-currency support across 168 currencies with automated reconciliation of foreign transactions. 🔹 Global Tax Handling: Built-in tax compliance for 100+ countries with automated VAT calculations and reporting. 🔹 Multi-Language Invoicing: Create professional invoices in over 60 languages to smoothly communicate with international clients. 🔹 Extensive Payment Options: Fiskl integrates with leading payment gateways like Stripe, PayPal, Apple Pay, and many more. 🔹 Bank Feeds & Sync: Automatically import transactions from over 21,000 banks globally into accounting via bank feeds and our syncing engine. 🔹 Custom Reporting: Build fully customizable financial statements with drag-and-drop simplicity to track KPIs for your business. 🔹 Collaboration: Client portals allow sharing invoices and accounting visibility with your customers and accountant. 🔹 API & Integrations: Fiskl APIs enable connecting other tools like POS systems, e-commerce platforms, and CRMs. 🔹 Suitable for Any Industry: Users range from freelancers to retail stores to agencies - Fiskl caters to all types of small businesses. With Fiskl's automation, mobile access, seamless global coverage, and intuitive design, you can say goodbye to accounting hassles. Instead of juggling spreadsheets, enjoy insightful financial overviews in minutes via desktop or mobile. Join the thousands of entrepreneurs who have made the switch to Fiskl. Sign up today and take control of your business finances!

Average Rating: 4.6/5.0

Total Reviews: 14

Flowie

Flowie is the ultimate Procurement and Finance Operations platform for modern companies. Flowie centralizes Procure-to-Pay (P2P), Order-to-Cash (O2C) and Cash Flow Management, all with a consumer-grade user experience. Flowie has global coverage : the platform allows you to manage invoices from and to more than 60 countries, while being 100% tax compliant (e-invoicing). Flowie synchronizes natively in a few minutes with all of the company's tools, without the need for an integrator.

Frienton | Finance as a Service

Frienton is an all-in-one digital finance platform designed to streamline financial management for entrepreneurs and small to medium-sized enterprises (SMEs). By integrating banking, bookkeeping, planning, controlling, and tax services into a single, user-friendly interface, Frienton empowers business owners to focus on their core operations while efficiently managing their financial processes. Key Features and Functionality: - Multibanking: Consolidate all business bank accounts, including platforms like PayPal, Amazon, Shopify, and Stripe, to gain a comprehensive, real-time overview of financial transactions and balances. - Bookkeeping: Automate accounting tasks with features such as digital document management, professional invoicing, and integrated accounts receivable/payable management, ensuring compliance and accuracy. - Planning & Controlling: Utilize customizable dashboards and analysis tools to monitor financial data, set budgets, and conduct target-actual comparisons, facilitating informed decision-making. - Tax Services: Handle VAT and corporate tax processes efficiently with real-time estimates, automated declarations, and seamless integration with tax partners, reducing administrative burdens. Primary Value and User Benefits: Frienton addresses the common challenges entrepreneurs face in managing complex financial tasks by offering a centralized, automated solution. This integration reduces time-consuming administrative work, minimizes errors, and provides real-time financial insights. As a result, business owners can make better decisions faster, maintain compliance with financial regulations, and dedicate more time to growing their businesses.

HedgeFlows

HedgeFlows is a cloud-based treasury and risk management system for smaller corporates and scaleups that trade internationally. Integrate HedgeFlows with your accounting or ERP system and save up to 80% on managing global payments, liquidity and risks in 30 currencies with integrated analytics and seamless workflows. The company was founded in 2020 by industry experts, each experienced in running the global financial markets divisions of international banks. This experience has informed HedgeFlows’ design so that its users do not need to take long training courses nor rely on currency & treasury specialists to trade overseas. The platform leverages APIs and cloud-based data to help clients embed prudent principles into their existing processes and to capture timely insights that can assist “safer international growth without unnecessary costs”. HedgeFlows offers three modular solutions: 1) Multi-currency payments automation - Accurate & effortless payment automation for domestic and international invoices, reconciled in your ledger automatically in real-time. It saves time and effort, completely revolutionising how finance team can process vendor invoices and payments globally. 2) Cash visibility and management - for busy finance directors and managers who want full visibility as their business operates and grows internationally. Upgrade to the next-gen real-time reconciliations that keep your ledgers always in sync. As soon as your payments and transactions settle, HedgeFlows automatically applies them to invoices so that you can always be confident about your cash balances and focus on more valuable tasks instead of doing down the reconciliation spreadsheets. 3) FX Risk management - our award-winning FX Risk Management Platform ensures your finance team manages currencies and never gambles on them. Get full visibility from the moment FX risks arise and make informed and timely decisions without time-consuming processes or guesswork

Average Rating: 5.0/5.0

Total Reviews: 1

KPI Sense

KPI Sense helps SaaS companies create and share their financial story by aggregating, optimizing, and reporting their data. Built and backed by our team of SaaS finance experts, The KPI Sense platform is a single source of truth for all financial and subscription data, giving you a complete picture of your business. You'll have access to clear, ready-to-use dashboards and visualizations that can be customized to your company's needs. Time-consuming, manual tasks such as calculating metrics and data attribution are automated so you can have the confidence that what you're working with is accurate and useful. Paired with tailored insights from our team, you can move forward with reliable, defendable forecasts, models, and other analyses built custom for your business. All ready to share with your team, board, or investors.

MODLR

MODLR is financial planning and analysis software that enables agile enterprise-wide collaboration and provides an evolving range of solutions to improve integral business processes. With the ability to streamline reporting, forecasting, budgeting and more, MODLR's aim is to make financial planning as simple and efficient as possible.

Average Rating: 4.9/5.0

Total Reviews: 11

MoolaX

MoolaX is a personal finance tool designed to empower entrepreneurs to effectively track their profits, and gain a comprehensive understanding of their businesses performance.

Okimia

Okimia est la plateforme tout-en-un de gestion de trésorerie, de paiement et de placement conçue pour les PME, ETI et groupes multi-entités. Développée en France depuis 2020 (anciennement Fygr), Okimia accompagne plus de 3 000 entreprises dans le pilotage quotidien de leur trésorerie - du suivi des soldes bancaires en temps réel jusqu'à l'exécution des virements et le placement des excédents. Le problème qu'Okimia résout : La gestion de trésorerie est le nerf de la guerre pour toute PME. Pourtant, la majorité des dirigeants et DAF pilotent encore leur trésorerie avec un fichier Excel partagé, alimenté manuellement, rarement à jour, et compréhensible par une seule personne. Les conséquences sont connues : des décisions prises sur des données obsolètes, des heures perdues en consolidation, et zéro visibilité au-delà du mois en cours. Okimia remplace ce tableur par une plateforme connectée qui centralise automatiquement les données bancaires et comptables, construit des prévisions fiables, et permet d'agir directement - payer ses fournisseurs, placer ses excédents - depuis la même interface. L'objectif : supprimer l'écart entre le moment où l'on comprend sa situation de trésorerie et le moment où l'on agit. Gestion de trésorerie : voir clair, en temps réel Okimia se connecte à plus de 2 000 banques via Open Banking et EBICS TS, ainsi qu'aux principaux ERP et logiciels comptables du marché (Sage, Cegid, Pennylane, QuickBooks, Sellsy, Axonaut, et bien d'autres). L'agrégation est automatique : les transactions remontent en temps réel, sans saisie manuelle. La catégorisation des flux repose sur un moteur de règles personnalisables. L'utilisateur définit ses propres catégories et sous-catégories (par fournisseur, libellé, montant, type de flux), et Okimia applique ces règles automatiquement à chaque nouvelle transaction. Le résultat : une vision structurée de l'ensemble des flux entrants et sortants, organisée selon la logique métier de l'entreprise - pas un classement imposé. Pour les groupes multi-entités, Okimia offre une vue consolidée en un coup d'œil : tous les comptes bancaires, toutes les entités, dans un seul tableau de bord. La consolidation multi-devises est nativement supportée, avec conversion automatique aux taux du jour. Prévisionnel de trésorerie : anticiper avec confiance Le module prévisionnel permet de construire des projections au jour, à la semaine ou au mois, sur un horizon personnalisable. L'utilisateur crée ses propres hypothèses de recettes et de dépenses, puis compare en temps réel le prévisionnel au réel grâce à un système d'écarts automatisé. La force d'Okimia réside dans la construction de scénarios. L'utilisateur peut modéliser différentes hypothèses (croissance optimiste, retard client, investissement décalé) et visualiser instantanément l'impact sur le solde prévisionnel. Cette approche par scénarios permet de prendre des décisions financières éclairées, en mesurant le risque avant d'agir. Le prévisionnel est directement relié aux données bancaires réelles : pas de double saisie, pas de fichier à importer. Les transactions catégorisées alimentent automatiquement les projections, ce qui garantit une base de données toujours à jour. Reporting et indicateurs : piloter avec les bons chiffres Okimia intègre un module de reporting financier avec des tableaux de bord visuels, des graphiques d'évolution et des indicateurs clés paramétrables. Les rapports sont exportables en PDF, Excel et Google Sheets, et partageables avec les associés, investisseurs ou experts-comptables. Les principaux indicateurs disponibles incluent : position de trésorerie en temps réel, trésorerie prévisionnelle par scénario, analyse des flux par catégorie et par période, écart réel vs prévisionnel, évolution du cash burn, et soldes consolidés multi-entités. Pour les DAF qui présentent régulièrement des reportings à leur direction ou à des investisseurs, Okimia offre une alternative crédible aux extractions manuelles et aux présentations PowerPoint construites à la main. Paiements fournisseurs : agir depuis la même interface Depuis 2026, Okimia intègre un module de paiement complet qui permet d'exécuter les virements SEPA et EBICS TS directement depuis la plateforme. L'objectif est de supprimer la rupture entre le pilotage de la trésorerie et l'exécution des décaissements. Le module paiement inclut : - Virements SEPA unitaires et par lots, avec validation multi-niveaux - Virements EBICS TS pour les entreprises qui utilisent ce protocole bancaire sécurisé - Cartes corporate physiques et virtuelles, avec plafonds et règles d'usage configurables par carte - Import des factures fournisseurs (FTP, OCR, API) pour alimenter automatiquement les ordres de paiement La sécurisation des paiements est au cœur du module : validation à plusieurs niveaux, séparation des rôles (initiateur / validateur), et traçabilité complète de chaque opération. Placement de trésorerie : faire travailler les excédents Okimia est l'un des rares logiciels de gestion de trésorerie à intégrer nativement un module de placement. Depuis la plateforme, l'utilisateur peut placer ses excédents de trésorerie en un clic, à partir de 1 000 €, sans minimum de durée. Les fonds sont investis sur des supports en actifs souverains (bons du Trésor zone euro et US), avec des intérêts versés quotidiennement et un retrait possible sous 24 heures, sans frais. Le service est opéré par Okimia en qualité de Conseiller en Investissements Financiers (CIF), en partenariat avec Spiko, fintech régulée spécialisée dans le placement de trésorerie d'entreprise. Ce module répond à un besoin simple et concret : quand le prévisionnel montre un excédent de trésorerie sur les prochaines semaines, l'utilisateur peut immédiatement le placer et le faire fructifier, sans quitter l'interface de pilotage. Intégrations et connectivité Okimia s'intègre nativement avec un écosystème large d'outils comptables, ERP et solutions de gestion : - ERP et comptabilité : Sage 100, Cegid XRP Flex, Cegid XRP Sprint, Pennylane, QuickBooks, Exact, Odoo, Microsoft Business Central, Dolibarr, Holded, Evoliz - Facturation et paiement : Sellsy, PayPlug, Stripe, PayPal, Mooncard, Spendesk, Libeo, Qonto, Wise - Outils métier : HubSpot, Pipedrive, Boond Manager, Furious, Obat, Progbat, Axonaut - Banques : connexion à plus de 2 000 établissements via Open Banking (DSP2) et EBICS TS L'API Okimia permet également des intégrations sur mesure pour les entreprises ayant des besoins spécifiques de connectivité. Pour qui est Okimia ? Okimia s'adresse à trois profils principaux : - DAF et responsables financiers de PME et ETI, qui cherchent à automatiser le suivi de trésorerie, construire des prévisionnels fiables, et gagner du temps sur la consolidation et le reporting. - Dirigeants de PME, qui ont besoin d'une visibilité immédiate sur leur situation financière pour décider rapidement - recruter, investir, ou freiner. - DAF externalisés, qui accompagnent plusieurs clients et ont besoin d'un outil automatisé pour centraliser les données financières et se concentrer sur le conseil à valeur ajoutée. Okimia est utilisé dans tous les secteurs d'activité : industrie, BTP, services B2B, SaaS, commerce, restauration, agences, holdings, et bien d'autres. La plateforme s'adapte à la complexité de chaque structure, de l'entreprise unipersonnelle au groupe multi-entités. Ce qui différencie Okimia Là où la plupart des logiciels de trésorerie s'arrêtent au suivi et à la prévision, Okimia va plus loin en intégrant le paiement et le placement dans la même plateforme. Cette approche unifiée - voir, prévoir, agir - élimine les allers-retours entre outils et permet aux équipes finance de gagner un temps considérable. Autres points différenciants : - Connectivité EBICS TS native, un protocole bancaire sécurisé utilisé par les entreprises qui gèrent des volumes de flux importants - une fonctionnalité rare dans les outils de trésorerie destinés aux PME - Mise en place rapide et accompagnée : un account manager dédié configure la plateforme avec l'utilisateur en 2-3 sessions de 30 minutes - Un taux de satisfaction client de 98%, avec un accompagnement humain (pas un chatbot) - Hébergement et traitement des données en France, avec des connexions bancaires opérées par des partenaires agréés Okimia est édité par Fygr SAS, société française basée à Paris. La plateforme est accessible sur www.okimia.com.

Orama

Orama is treasury and cash flow software for SMEs, corporate groups and accounting firms in Spain and Latin America. It brings every bank account, ERP and payment gateway into one place, so finance teams know how much cash they have today and how much they will have in the months ahead. Orama connects to 100% of banks in Spain and 3,000+ across Europe and Latin America through PSD2 read-only access, via aggregators regulated by the Banco de España and certified to ISO 27001. Bank data is updated up to 4 times a day. Typically 90–99% of transactions reconcile on their own with their line items, and some customers reach 100%. It integrates with Odoo, Holded, Sage 50, Sage 200, Sage Despachos, a3innuva, Microsoft Dynamics 365 Business Central, Oracle NetSuite and SIS Grupo, and breaks down Stripe, PayPal, Redsys and Adyen payouts into sales, fees and refunds. Teams build cash flow forecasts at 12, 18 or 24 months, with a 13-week view and scenarios to test decisions such as hiring, investing or late customer payments. Groups consolidate several companies, choosing the consolidation currency, while keeping each entity's detail. AI helps estimate forecasts and suggests formulas for financial ratios. Teams can also connect their own AI assistant (Claude, ChatGPT and other MCP-compatible tools) to Orama through the Orama MCP server, with the same permissions as the user. Accounting firms manage all their clients from one account, with permissions per company and scheduled email reports. Try it free for 7 days, no card required, or book a 30-minute demo.

Previo Finance

Previo Finance is cash flow forecasting software for small and medium-sized businesses in Europe. It builds a rolling forecast of up to 5 years, plus 13 weeks and 30 days for the short term, from customers, suppliers, payroll, fixed expenses, financing and taxes, with the VAT rules of Italy, Spain, Portugal, Germany, France and the UK (in Italy also the VAT advance, F24 deadlines, tredicesima, TFR and IRES/IRPEF estimates). Base, optimistic and pessimistic scenarios sit side by side, and alerts warn you before cash runs low. Invoices come in from Fatture in Cloud or from XML e-invoice files (FatturaPA .xml, signed .p7m and Cassetto fiscale .zip, from any software); bank balances and movements come through Open Banking (PSD2, read-only through finAPI) or from a CSV/Excel bank statement. A portfolio view lets accountants follow every client company in one table, sorted by cash risk. A decision simulator tests hires, cost cuts and payment delays before you make them; a sales pipeline adds weighted deals to the forecast; AI categorises bank transactions and suggests forecast adjustments that you confirm. Up to 5 companies per account and 10 people per company, with owner, consultant and viewer roles. Reports export to PDF and Excel. Data hosted in the EU (Ireland). Available in Italian, English, French, German, Spanish and Portuguese. EUR 34/month or EUR 340/year, 30-day free trial with no card required.

Quickly

Quickly is a financial technology platform that helps businesses and their suppliers unlock the value of early payments. By connecting to accounts payable software, Quickly enables companies to automate, manage, and optimize early payment programs that improve cash flow on both sides of the supply chain. For buyers, Quickly provides a simple way to offer early payment options to their suppliers in exchange for a dynamic discount—generating measurable savings without disrupting existing payment terms or workflows. Suppliers gain the flexibility to choose when to receive payment ahead of the due date, helping them access working capital faster and reduce reliance on debt or credit. The platform integrates with leading ERP and accounting systems to sync invoices, streamline approvals, and track the full lifecycle of payments. Quickly’s user interface is designed to be intuitive, allowing finance and procurement teams to configure programs, set discount rules, and process payments in bulk with minimal effort. Real-time dashboards provide visibility into performance metrics such as savings generated, supplier participation, and payment cycle times. Quickly is used by organizations across a range of industries, including construction, manufacturing, and professional services—anywhere supplier relationships and payment timing have a direct impact on operational efficiency. The platform supports both buyers and suppliers, reducing administrative friction while improving liquidity across the supply chain. By combining automation, transparency, and financial insight, Quickly helps businesses turn accounts payable into a strategic advantage.

re:cap

re:cap helps tech companies make better financial decisions and maximize their capital efficiency. They integrate financial analysis, forecast, and funding in one platform called the Capital OS. This ensures that financial operations and funding work as one. The Capital OS The Capital OS combines financial analysis, forecasting, and funding in one platform. It links company performance with planning and funding decisions, giving businesses a structured way to manage capital. Analysis With Analysis, companies bring all their financial data in real-time into one place. They see cash balances, runway, and growth at a glance, track transactions across accounts, and understand where money flows. Benchmarks, capital needs, and a rating system show how fundable a company is and what to improve. Forecast With Forecast, companies plan short-term liquidity and long-term capital needs in one place. Using cash flow, invoices, actuals, and budgets, they create weekly and monthly forecasts, test scenarios, and add funding events to see the impact. This shows them clearly when capital is needed, what is possible with the funds available, or what kind makes sense. Funding re:cap offers a non-dilutive credit line. Companies can tailor terms – including amount, duration, and repayment – to fit their business needs and goals. How companies use funding - Extend runway to reach profitability or postpone equity fundraising - Fund long-term growth - Fund large investments - Bridge short-term liquidity needs - Cover long payment targets Key terms of the funding - Ticket size: €50K to €5M - Amortization: 1 to 60 months - Control: 100% non-dilutive - Only pledge on receivables: no personal guarantees and no equity kickers Available in Germany, United Kingdom and Netherlands.

Average Rating: 5.0/5.0

Total Reviews: 1

RevForge OS

RevForge OS is the Predictive Intelligence Platform for Contractors. It brings marketing, sales, operations and finance into one business context so owners and teams can see what changed, understand what it affects, anticipate risks and opportunities, and decide what to do next. Rev, the platform's intelligence operator, connects signals across the company. A shift in demand can inform lead priorities, property scope, pricing, crew capacity, margin and cash—not just produce another report. Depending on the package and permissions, Rev recommends for approval, prepares work, or carries out authorized actions within owner-defined limits. Outcomes inform the next decision. Owner Core provides the whole-business view. Marketing, Sales, Operations and Finance Forges organize specialized IQs for demand, campaigns, customers, pipeline, TrueScale property intelligence, quoting, teams, dispatch, inventory, job margins, collections, cash and business value. Customer records, communications, scheduling, estimates, jobs, invoicing and payments support that intelligence throughout the workflow. Built around 21 contractor trades, RevForge OS serves solo operators, growing teams and multi-location businesses. It is not limited to predictive analytics, CRM or field-service management: those capabilities work together inside a contractor-specific predictive intelligence platform. Your company. Built to think ahead.

SME Clutch

SME Clutch helps small business owners who are overwhelmed by complex financial data, causing stress, by providing tools for financial goal setting, tracking and accountability, unlike existing accounting reports which they find difficult to understand. 🏆 You are 50% more likely to succeed if you set goals. 📌 You are 76% more likely to succeed if you track goals. 🔬 Having a specific accountability partner can increase success rates to 95%. SME Clutch makes this easy for small business owners and their bookkeepers.