Index › 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

Float

Contested

31% of first choices, contested.

ShowinginAll 41 categories in the September 2026 Edition →

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.

Small business

Float31%ContestedThis page Mid-market

Agicap18%ContestedStanding →Enterprise

Kyriba35%ContestedStanding →

01The 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

Float13%53endorsed leader

Cash Flow Frog5%37accepted challenger

QuickBooks Cash Flow Planner0%12accepted challenger

Pulse3%29accepted challenger

Agicap23%13accepted challenger

Futrli20%10accepted challenger

Show the two products at 0%, ordered by negative rate

Fathom5%21accepted challenger

Dryrun0%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 vendor page.

Head to head

Agicap vs Tesorio Agicap vs Chaser Tesorio vs Chaser

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 →

Accepted challengerEndorsed leader

0%First-choice share → · lines at 30% share and 25% negative50%

Key

Float31%

Cash Flow Frog15%

QuickBooks Cash Flow Planner8%

Pulse6%

Agicap2%

Futrli2%

Fathom0%

Dryrun0%

02What 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 4.1 Fast, 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 4.1 Fast, 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 4.1 Fast, negative prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

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. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 810 links across 183 sites, every framing counted. Ranked by the number of answers carrying the site or page.

guideflow.com

vendor site · Guideflow34 answers · 34 citations · 9 models

g-accon.com

26 answers · 26 citations · 10 models

fathomhq.com

25 answers · 30 citations · 9 models

tesorio.com

vendor site · Tesorio25 answers · 26 citations · 10 models

cubesoftware.com

22 answers · 26 citations · 9 models

upflow.io

vendor site · Upflow22 answers · 22 citations · 9 models

wise.com

19 answers · 19 citations · 8 models

cashflowfrog.com

vendor site · Cash Flow Frog17 answers · 22 citations · 8 models

worldmetrics.org

15 answers · 29 citations · 8 models

xero.com

vendor site · Xero15 answers · 19 citations · 7 models

learn.g2.com

15 answers · 16 citations · 8 models

articsledge.com

15 answers · 15 citations · 7 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.

guideflow.com/blog/cash-flow-forecasting-software

32 answers · 9 models

g-accon.com/the-best-cash-flow-forecasting-software

26 answers · 10 models

tesorio.com/blog/best-cash-flow-forecasting-software-in-2026-reviewed-and-c…

25 answers · 10 models

cubesoftware.com/blog/best-cash-forecasting-software

21 answers · 9 models

fathomhq.com/blog/the-best-cash-flow-forecasting-software

21 answers · 9 models

upflow.io/software/best-cash-flow-forecasting

19 answers · 9 models

wise.com/gb/blog/best-cashflow-management-software

18 answers · 8 models

articsledge.com/post/cash-flow-forecasting-software

15 answers · 7 models

learn.g2.com/best-cash-flow-management-software

15 answers · 8 models

xero.com/us/accounting-software/analytics/cash-flow

14 answers · 7 models

04How 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.

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 alternatives

Drivetrain, Fathom, Float

InvoicedChanged

Three alternatives

QuickBooks Online, Upflow, Xero

Float

Two alternatives

Cash Flow Frog, Dryrun

Cash Flow Frog

Four alternatives

Brixx, Float, Futrli, G-CashFlow

no first choiceagainst: Spreadsheets

GPT-5.4 miniFloat, Pulse

One alternative

Jirav

against: MosaicQuickBooks OnlineChanged

Two alternatives

Float, Xero

Float

Four alternatives

Cash Flow Frog, Dryrun, Fathom, Jirav

against: AgicapQuickBooks Cash Flow Planner

One alternative

Pulse

against: Float, Futrlino first choicenothing named

Gemini 3.5 FlashCash Flow Frog

Five alternatives

Chaser, Dryrun, Float, Helm, Upflow

Cash Flow FrogHeld

Four alternatives

BILL, Brex, Float, Mercury

Float

Six alternatives

Cash Flow Frog, G-CashFlow, Helm, LivePlan, Pulse, Trezy

Trezy

Four alternatives

Helm, Pulse, Tiller, Xero Cash Flow Projector / QuickBooks Cash Flow Planner

Clockwork, Float

Four alternatives

Brixx, Cash Flow Frog, Coefficient, LiveFlow

against: Anaplan, Workday Adaptive Planningagainst: Anaplan, Board, GTreasury, Kyriba, Planful, Trovata, Workday Adaptive Planning

Perplexity SonarFloat

Two alternatives

Cash Flow Frog, Chaser

against: AbacumBilltrustChanged

Three alternatives

Float, Qonto, Rho

Float

Five alternatives

Cash Flow Frog, Dryrun, Fathom, G-CashFlow, Pulse

Cash Flow Frog

Four alternatives

Pulse, Quicken Business & Personal, Wave, Zoho Books

against: Floatno first choiceagainst: Plain Excel / Google Sheets

Grok 4.1 FastCash Flow Frog

Three alternatives

Dryrun, Float, Pulse

against: TesorioQuickBooks OnlineChanged

One alternative

Wave

Cash Flow Frog, Float

Two alternatives

Dryrun, Fathom

Trezy

Three alternatives

QuickBooks Cash Flow Planner, Wave, Xero Cash Flow Forecasting

against: Cash Flow Frog, Floatno first choiceagainst: Oracleagainst: Agicap, Float, Fluidly, Futrli, GTreasury, Kyriba, Microsoft Excel, Xero Cash Flow Forecasting

Mistral SmallFloat

Two alternatives

Cash Flow Frog, Futrli

QuickBooks OnlineChanged

Three alternatives

BILL, Melio, Novo

no first choiceQuickBooks Cash Flow Planner

Three alternatives

Cash Flow Frog, Float, Fluidly

no first choiceagainst: CashAnalytics, Fluidly, GTreasury

DeepSeek V4 FlashFloat

Four alternatives

Agicap, Cash Flow Frog, Dryrun, Fathom

against: QuickBooks/Xero built-insFloatHeld

Four alternatives

BILL, Melio, QuickBooks Online, Xero

Float

Three alternatives

Cash Flow Frog, Pulse, QuickBooks Cash Flow Planner

QuickBooks Cash Flow Planner, Xero Cash Flow Forecasting

One alternative

Fluidly

against: Cash Flow FrogFloat

Three alternatives

Cash Flow Frog, Fathom, Pulse

against: Anaplan, Float, OneStream, Spreadsheets, Workday Adaptive Planning

Llama 4 MaverickFloat

Two alternatives

Chaser, Tesorio

WaveChanged

Four alternatives

Float, NetCash by Netgain, Qonto, Rho

Float

Six alternatives

Agicap, Fathom, Finmark, Jirav, KashFlow, Pulse

G-CashFlow

Two alternatives

Cash Flow Frog, Float

no first choicenothing named

Qwen 3.7 FlashFloat

Three alternatives

Calai, Dryrun, Pulse

FloatHeld

Four alternatives

BILL, QuickBooks Online, Ramp, Xero

Float

Four alternatives

Agicap, Cube, Futrli, Tesorio

QuickBooks Cash Flow Planner

Three alternatives

Cash Flow Frog, Fluidly, G-CashFlow

Float, Futrli, Pulse

One alternative

BigTime

against: Anaplan, IBM Planning Analytics, SAP BPC, Venaagainst: Google Sheets, Microsoft Excel, Oracle NetSuite, SAP

Kimi K2Float

Four alternatives

Agicap, Cash Flow Frog, Dryrun, Pulse

Agicap, ChaserChanged

Two alternatives

Float, Qonto

Float

Four alternatives

Dryrun, Fathom, LiveFlow, Pulse

Pulse, Trezy

Three alternatives

Cash Flow Frog, QuickBooks Cash Flow Planner, Xero Analytics

Float

Three alternatives

Agicap, QuickBooks Cash Flow Planner, Xero

against: Agicap, Anaplan, Cube, Excel/Google Sheets, Float, Pulse, Tesorio, Workday Adaptive Planning

GLM 4.7 FlashXFloat

Three alternatives

Cash Flow Frog, Pulse, Tesorio

against: FathomChaserChanged

Four alternatives

Qonto, QuickBooks Online, Wave, Zoho Books

Float

Five alternatives

Brixx, Fathom, LiveFlow, LivePlan, PlanGuru

Fluidly

Three alternatives

Coefficient, QuickBooks Cash Flow Planner, U.S. Bank Cash Flow Management

against: Excel/Google Sheetsno first choiceagainst: Anaplan, Excel/Google Sheets

MiniMax M2.5Float

Three alternatives

Cash Flow Frog, Pulse, Upflow

ChaserChanged

Three alternatives

Agicap, Qonto, Upflow

Float

Five alternatives

Agicap, Brixx, Cash Flow Frog, Fathom, Pulse

Trezy

Four alternatives

Cash Flow Frog, Fluidly, Pulse, QuickBooks Cash Flow Planner

Cash Flow Frog

Two alternatives

Abacum, Drivetrain

against: Excel/Google Sheets, Float, Fluidly, QuickBooks Online

Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record

Seventy-two rows: every prompt, every model, every answer.

Prompt	Model	Version string	Time (UTC)	Searched	Sources	Latency
Direct recommendation	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:36	yes	9	8 s
Direct recommendation	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:45	no	0	4 s
Direct recommendation	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:32	yes	12	21 s
Direct recommendation	Perplexity Sonar	`sonar`	2026-09-17 17:28	yes	20	8 s
Direct recommendation	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:35	yes	30	14 s
Direct recommendation	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:37	yes	5	3 s
Direct recommendation	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:34	yes	9	12 s
Direct recommendation	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:43	yes	5	3 s
Direct recommendation	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:39	no	0	32 s
Direct recommendation	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:26	yes	10	36 s
Direct recommendation	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:31	yes	11	61 s
Direct recommendation	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:35	yes	12	23 s
Paraphrase	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:29	yes	9	7 s
Paraphrase	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:29	no	0	3 s
Paraphrase	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:48	yes	12	16 s
Paraphrase	Perplexity Sonar	`sonar`	2026-09-17 17:42	yes	20	4 s
Paraphrase	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:46	yes	28	13 s
Paraphrase	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:37	no	0	4 s
Paraphrase	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via deepinfra`	2026-09-17 17:27	yes	28	54 s
Paraphrase	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:30	yes	5	2 s
Paraphrase	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:30	no	0	34 s
Paraphrase	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:32	yes	9	18 s
Paraphrase	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:30	yes	8	36 s
Paraphrase	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:27	yes	10	26 s
Comparative	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:46	yes	9	9 s
Comparative	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:36	yes	3	10 s
Comparative	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:38	yes	18	25 s
Comparative	Perplexity Sonar	`sonar`	2026-09-17 17:38	yes	20	8 s
Comparative	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:27	yes	37	18 s
Comparative	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:34	yes	5	5 s
Comparative	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:30	yes	27	23 s
Comparative	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:27	yes	5	3 s
Comparative	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:39	yes	5	24 s
Comparative	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:45	yes	14	30 s
Comparative	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:50	yes	30	79 s
Comparative	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:54	yes	15	32 s
Budget constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:39	yes	9	8 s
Budget constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:33	yes	5	6 s
Budget constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:31	yes	20	23 s
Budget constrained	Perplexity Sonar	`sonar`	2026-09-17 17:34	yes	20	5 s
Budget constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:39	yes	32	18 s
Budget constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:42	yes	5	4 s
Budget constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:48	yes	6	9 s
Budget constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:38	yes	5	2 s
Budget constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:33	yes	5	26 s
Budget constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:49	yes	14	24 s
Budget constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:51	yes	20	122 s
Budget constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:45	yes	9	64 s
Scale constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:37	no	0	5 s
Scale constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:28	no	0	16 s
Scale constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:34	yes	11	22 s
Scale constrained	Perplexity Sonar	`sonar`	2026-09-17 17:30	yes	20	9 s
Scale constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:48	yes	14	11 s
Scale constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:28	no	0	5 s
Scale constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via deepinfra`	2026-09-17 17:47	yes	14	40 s
Scale constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:41	yes	5	4 s
Scale constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:31	yes	10	36 s
Scale constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:39	yes	10	21 s
Scale constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:41	yes	13	42 s
Scale constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:29	yes	9	23 s
Negative framing	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:42	yes	18	11 s
Negative framing	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:41	yes	4	7 s
Negative framing	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:27	yes	24	27 s
Negative framing	Perplexity Sonar	`sonar`	2026-09-17 17:42	yes	20	6 s
Negative framing	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 17:28	yes	34	22 s
Negative framing	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:34	yes	9	8 s
Negative framing	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 17:38	yes	26	22 s
Negative framing	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:39	yes	5	2 s
Negative framing	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 17:29	no	0	33 s
Negative framing	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 17:27	yes	29	48 s
Negative framing	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 17:34	yes	27	41 s
Negative framing	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 17:32	yes	15	41 s

Normalization in this category

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

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 Online

QuickBooks Cash Flow read as QuickBooks Cash Flow Planner

Unresolved, counted raw

BigTime

Calai

Castaway

Excel/Google Sheets template

Foreseenly

NetCash by Netgain

Plain Excel / Google Sheets

QuickBooks/Xero built-ins

Tiller

U.S. Bank Cash Flow Management

Xero Cash Flow Projector / QuickBooks Cash Flow Planner

Discontinued, still offered

No shut-down product was recommended here.

Cash flow forecasting for small business buyers

By buyer segment

01The standing

Recommended versus criticized

02What they warned about

03What they cite

Sites the answers cite

Pages the answers cite

04How they answered

05The record

Normalization in this category

Also in treasury and cash