September 2026 Edition, published · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Finance › Treasury and cash › Cash flow forecasting › Small business · September 2026 Edition

Cash flow forecasting for small business buyers

Asked as “cash flow forecasting software”, and as “cash management tool”, on behalf of a small B2B company. 48 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
31%
Contested · Cash Flow Frog 15%
31Float15Cash Flow Frog15QuickBooks Cash Flow Planner40others

31% of first choices, contested.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.

The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Float31%13%53endorsed leader
02Cash Flow Frog15%5%37accepted challenger
03QuickBooks Cash Flow Planner15%9%22accepted challenger
04Pulse6%3%29accepted challenger
05Xero Cash Flow Forecasting2%10%10accepted challenger
06Agicap2%23%13accepted challenger
07Futrli2%20%10accepted challenger
Show the two products at 0%, ordered by negative rate
08Fathom0%5%21accepted challenger
09Dryrun0%0%17accepted challenger
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-eight head-to-head pages: the top eight products, each against each

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Float31%
02Cash Flow Frog15%
03QuickBooks Cash Flow Planner15%
04Pulse6%
05Xero Cash Flow Forecasting2%
06Agicap2%
07Futrli2%
08Fathom0%
09Dryrun0%

What they warned about

Three of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Float
13%
7 of 53 labels negative · 6 of 12 models · 1 hard negative
“Avoid: Excel templates (manual, error-prone) or pricier tools like Float ($50+/mo)” Grok 4.20, budget prompt
Anaplan
86%
6 of 7 labels negative · 5 of 12 models · 5 hard negative
“Anaplan, some ERPs, large FP&A platforms | Designed for large enterprises with dedicated finance teams” GLM 4.7 FlashX, negative prompt
Workday Adaptive Planning
80%
4 of 5 labels negative · 3 of 12 models · 4 hard negative
“21-month average time to ROI; complex setup; designed for large finance teams, not solopreneurs or small teams” Kimi K2, negative prompt
GTreasury
100%
3 of 3 labels negative · 3 of 12 models · 2 hard negative
“Enterprise-Level Treasury Software (e.g., Kyriba, GTreasury, or high-end tools like Agicap at scale)” Grok 4.20, negative prompt

What they cite

Twelve of the twelve models returned a source list in this edition: four return the pages they cited and eight the search results they consulted.

Sites the answers cite

63 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 907 links across 203 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Guideflow35 answers · 35 citations · 10 models
vendor site · Tesorio28 answers · 29 citations · 11 models
28 answers · 28 citations · 11 models
26 answers · 31 citations · 10 models
vendor site · Upflow26 answers · 27 citations · 10 models
vendor site · Cash Flow Frog23 answers · 30 citations · 9 models
vendor site · Cubesoftware23 answers · 27 citations · 10 models
19 answers · 19 citations · 8 models
vendor site · Xero17 answers · 21 citations · 8 models
vendor site · G216 answers · 17 citations · 9 models
16 answers · 16 citations · 6 models
vendor site · Worldmetrics15 answers · 29 citations · 8 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

Search against answers

Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best cash flow forecasting software”, “cash flow forecasting software”, “cash forecasting tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
Company and productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Float floatapp.com31%12060,500177,38711,19922
Cash Flow Frog cashflowfrog.com15%6832019,41225
QuickBooks parent site
QuickBooks Cash Flow Planner 15%
15%411,000,00054,681
Trezy trezy.io8%14041,7990
Pulse pulseapp.com6%43110,00058,4051,633
Chaser chaserhq.com6%1786,120,00013,68311,0660
Xero Cash Flow xero.com
Xero Cash Flow Forecasting 2%
2%232011,200,289$500119
Wave waveapps.com2%363368,000253,218708,86239
G-CashFlow gcashflow.com2%61000
Agicap agicap.com2%123590531,99822

Google's top ten for the three searches hold 15 sites; 3 of them are among the sites the models cited here (cashflowfrog.com, fathomhq.com, uschamber.com). The first result for “best cash flow forecasting software” is fathomhq.com.

How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHide
ModelDirect“What is the best cash flow forecasting software for a small B2B company?”Paraphrase“Which cash management tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top cash forecasting tools for a small team and how do they differ?”Budget-constrained“What is the best cash flow forecasting software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cash flow forecasting software. What should we look at?”Negative“Which cash forecasting tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Cash Flow Frog
Three alternativesDrivetrain, Fathom, Float
InvoicedChanged
Three alternativesQuickBooks Cash Flow Planner, Upflow, Xero Cash Flow Forecasting
Float
Two alternativesCash Flow Frog, Dryrun
Cash Flow Frog
Four alternativesBrixx, Float, Futrli, G-CashFlow
no first choiceagainst: Spreadsheets
GPT-5.4 miniFloat, Pulse
One alternativeJirav
against: Mosaic
QuickBooks Cash Flow PlannerChanged
Two alternativesFloat, Xero Cash Flow Forecasting
Float
Four alternativesCash Flow Frog, Dryrun, Fathom, Jirav
against: Agicap
QuickBooks Cash Flow Planner
One alternativePulse
against: Float, Futrli
no first choicenothing named
Gemini 3.5 FlashCash Flow Frog
Five alternativesChaser, Dryrun, Float, Helm, Upflow
Cash Flow FrogHeld
Four alternativesBILL, Brex, Float, Mercury
Float
Six alternativesCash Flow Frog, G-CashFlow, Helm, LivePlan, Pulse, Trezy
Trezy
Four alternativesHelm, Pulse, Tiller, Xero Cash Flow Projector / QuickBooks Cash Flow Planner
Clockwork, Float
Four alternativesBrixx, Cash Flow Frog, Coefficient, LiveFlow
against: Anaplan, Workday Adaptive Planning
against: Anaplan, Board, GTreasury, Kyriba, Planful, Trovata, Workday Adaptive Planning
Perplexity SonarFloat
Two alternativesCash Flow Frog, Chaser
against: Abacum
BilltrustChanged
Three alternativesFloat, Qonto, Rho
Float
Five alternativesCash Flow Frog, Dryrun, Fathom, G-CashFlow, Pulse
Cash Flow Frog
Four alternativesPulse, Quicken Business & Personal, Wave, Zoho Books
against: Float
no first choiceagainst: Plain Excel / Google Sheets
Grok 4.20Cash Flow Frog
Three alternativesDryrun, Float, Pulse
against: Tesorio
QuickBooks Cash Flow PlannerChanged
One alternativeWave
Cash Flow Frog, Float
Two alternativesDryrun, Fathom
Trezy
Three alternativesQuickBooks Cash Flow Planner, Wave, Xero Cash Flow Forecasting
against: Cash Flow Frog, Float
no first choiceagainst: Oracleagainst: Agicap, Float, Fluidly, Futrli, GTreasury, Kyriba, Microsoft Excel, Xero Cash Flow Forecasting
Mistral SmallFloat
Two alternativesCash Flow Frog, Futrli
QuickBooks Cash Flow PlannerChanged
Three alternativesBILL, Melio, Novo
no first choiceQuickBooks Cash Flow Planner
Three alternativesCash Flow Frog, Float, Fluidly
no first choiceagainst: CashAnalytics, Fluidly, GTreasury
DeepSeek V4 FlashFloat
Four alternativesAgicap, Cash Flow Frog, Dryrun, Fathom
against: QuickBooks Cash Flow Planner
FloatHeld
Four alternativesBILL, Melio, QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
Float
Three alternativesCash Flow Frog, Pulse, QuickBooks Cash Flow Planner
QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
One alternativeFluidly
against: Cash Flow Frog
Float
Three alternativesCash Flow Frog, Fathom, Pulse
against: Anaplan, Float, OneStream, Spreadsheets, Workday Adaptive Planning
Llama 4 MaverickFloat
Two alternativesChaser, Tesorio
WaveChanged
Four alternativesFloat, NetCash, Qonto, Rho
Float
Six alternativesAgicap, Fathom, Finmark, Jirav, KashFlow, Pulse
G-CashFlow
Two alternativesCash Flow Frog, Float
no first choicenothing named
Qwen 3.7 FlashFloat
Three alternativesCalai, Dryrun, Pulse
FloatHeld
Four alternativesBILL, QuickBooks Cash Flow Planner, Ramp, Xero Cash Flow Forecasting
Float
Four alternativesAgicap, Cube, Futrli, Tesorio
QuickBooks Cash Flow Planner
Three alternativesCash Flow Frog, Fluidly, G-CashFlow
Float, Futrli, Pulse
One alternativeBigTime
against: Anaplan, IBM Planning Analytics, SAP BPC, Vena
against: Google Sheets, Microsoft Excel, Oracle NetSuite, SAP Treasury and Risk Management
Kimi K2Float
Four alternativesAgicap, Cash Flow Frog, Dryrun, Pulse
Agicap, ChaserChanged
Two alternativesFloat, Qonto
Float
Four alternativesDryrun, Fathom, LiveFlow, Pulse
Pulse, Trezy
Three alternativesCash Flow Frog, QuickBooks Cash Flow Planner, Xero Analytics
Float
Three alternativesAgicap, QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting
against: Agicap, Anaplan, Cube, Excel/Google Sheets, Float, Pulse, Tesorio, Workday Adaptive Planning
GLM 4.7 FlashXFloat
Three alternativesCash Flow Frog, Pulse, Tesorio
against: Fathom
ChaserChanged
Four alternativesQonto, QuickBooks Cash Flow Planner, Wave, Zoho Books
Float
Five alternativesBrixx, Fathom, LiveFlow, LivePlan, PlanGuru
Fluidly
Three alternativesCoefficient, QuickBooks Cash Flow Planner, U.S. Bank Cash Flow Management
against: Excel/Google Sheets
no first choiceagainst: Anaplan, Excel/Google Sheets
MiniMax M2.5Float
Three alternativesCash Flow Frog, Pulse, Upflow
ChaserChanged
Three alternativesAgicap, Qonto, Upflow
Float
Five alternativesAgicap, Brixx, Cash Flow Frog, Fathom, Pulse
Trezy
Four alternativesCash Flow Frog, Fluidly, Pulse, QuickBooks Cash Flow Planner
Cash Flow Frog
Two alternativesAbacum, Drivetrain
against: Excel/Google Sheets, Float, Fluidly, QuickBooks Cash Flow Planner
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:36yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:45no04 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:32yes1221 s
Direct recommendationPerplexity Sonarsonar2026-09-17 17:28yes208 s
Direct recommendationGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:35yes3014 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 17:37yes53 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:34yes912 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:43yes53 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:39no032 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:26yes1036 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:31yes1161 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:35yes1223 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:29yes97 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:29no03 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:48yes1216 s
ParaphrasePerplexity Sonarsonar2026-09-17 17:42yes204 s
ParaphraseGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:46yes2813 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 17:37no04 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 17:27yes2854 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:30yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:30no034 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:32yes918 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:30yes836 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:27yes1026 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:46yes99 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:36yes310 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:38yes1825 s
ComparativePerplexity Sonarsonar2026-09-17 17:38yes208 s
ComparativeGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:27yes3718 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 17:34yes55 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:30yes2723 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:27yes53 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:39yes524 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:45yes1430 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:50yes3079 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:54yes1532 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:39yes98 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:33yes56 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:31yes2023 s
Budget constrainedPerplexity Sonarsonar2026-09-17 17:34yes205 s
Budget constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:39yes3218 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 17:42yes54 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:48yes69 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:38yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:33yes526 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:49yes1424 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:51yes20122 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:45yes964 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:37no05 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:28no016 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:34yes1122 s
Scale constrainedPerplexity Sonarsonar2026-09-17 17:30yes209 s
Scale constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:48yes1411 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 17:28no05 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 17:47yes1440 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:41yes54 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:31yes1036 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:39yes1021 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:41yes1342 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:29yes923 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:42yes1811 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:41yes47 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:27yes2427 s
Negative framingPerplexity Sonarsonar2026-09-17 17:42yes206 s
Negative framingGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 17:28yes3422 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 17:34yes98 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:38yes2622 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:39yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:29no033 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:27yes2948 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:34yes2741 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 17:32yes1541 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

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Category-scoped readings
Bill.com read as BILL
Centage read as Centage Planning Maestro
Clockwork.ai read as Clockwork
Excel read as Microsoft Excel
QuickBooks read as QuickBooks Cash Flow Planner
QuickBooks Cash Flow read as QuickBooks Cash Flow Planner
QuickBooks Online read as QuickBooks Cash Flow Planner
QuickBooks Online (QBO) read as QuickBooks Cash Flow Planner
QuickBooks Online Plus read as QuickBooks Cash Flow Planner
SAP read as SAP Treasury and Risk Management
Xero read as Xero Cash Flow Forecasting
Unresolved, counted raw
Calai
Castaway
Foreseenly
Plain Excel / Google Sheets
U.S. Bank Cash Flow Management
Xero Cash Flow Projector / QuickBooks Cash Flow Planner
Discontinued, still offered
No shut-down product was recommended here.
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