# Cash flow forecasting for small business buyers: what AI models recommend, September 2026

Finance AI Recommendation Index, September 2026 Edition. Asked as "cash flow forecasting software" and as "cash management tool", six framings each, to twelve models with search on, on behalf of a small B2B company. Page: https://finance-ai-index.com/treasury/cash-flow-forecasting/smb/

**Standing:** Float leads with 31% of first choices; verdict contested. 48 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| # | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | Float | 31% | 13% | 53 |
| 2 | Cash Flow Frog | 15% | 5% | 37 |
| 3 | QuickBooks Cash Flow Planner | 8% | 0% | 12 |
| 4 | Pulse | 6% | 3% | 29 |
| 5 | Agicap | 2% | 23% | 13 |
| 6 | Futrli | 2% | 20% | 10 |
| 7 | Fathom | 0% | 5% | 21 |
| 8 | Dryrun | 0% | 0% | 17 |

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: Cash Flow Frog; alternatives Drivetrain, Fathom, Float
- GPT-5.4 mini: Float, Pulse; alternatives Jirav
- Gemini 3.5 Flash: Cash Flow Frog; alternatives Chaser, Dryrun, Float, Helm
- Perplexity Sonar: Float; alternatives Cash Flow Frog, Chaser
- Grok 4.1 Fast: Cash Flow Frog; alternatives Dryrun, Float, Pulse
- Mistral Small: Float; alternatives Cash Flow Frog, Futrli
- DeepSeek V4 Flash: Float; alternatives Agicap, Cash Flow Frog, Dryrun, Fathom
- Llama 4 Maverick: Float; alternatives Chaser, Tesorio
- Qwen 3.7 Flash: Float; alternatives Calai, Dryrun, Pulse
- Kimi K2: Float; alternatives Agicap, Cash Flow Frog, Dryrun, Pulse
- GLM 4.7 FlashX: Float; alternatives Cash Flow Frog, Pulse, Tesorio
- MiniMax M2.5: Float; alternatives Cash Flow Frog, Pulse, Upflow

## Sources the answers cite

63 of 72 answers came back with a source list, from 12 of 12 models. Sites named in the most answers:

- guideflow.com: 34 answers, 34 citations
- g-accon.com: 26 answers, 26 citations
- fathomhq.com: 25 answers, 30 citations
- tesorio.com: 25 answers, 26 citations
- cubesoftware.com: 22 answers, 26 citations
- upflow.io: 22 answers, 22 citations
- wise.com: 19 answers, 19 citations
- cashflowfrog.com: 17 answers, 22 citations

Pages named in the most answers:

- https://guideflow.com/blog/cash-flow-forecasting-software (32 answers)
- https://g-accon.com/the-best-cash-flow-forecasting-software (26 answers)
- https://tesorio.com/blog/best-cash-flow-forecasting-software-in-2026-reviewed-and-compared (25 answers)
- https://cubesoftware.com/blog/best-cash-forecasting-software (21 answers)
- https://fathomhq.com/blog/the-best-cash-flow-forecasting-software (21 answers)
- https://upflow.io/software/best-cash-flow-forecasting (19 answers)
- https://wise.com/gb/blog/best-cashflow-management-software (18 answers)
- https://articsledge.com/post/cash-flow-forecasting-software (15 answers)
- https://learn.g2.com/best-cash-flow-management-software (15 answers)
- https://xero.com/us/accounting-software/analytics/cash-flow (14 answers)

## Warned against

- Float: 7 of 53 labels negative. "Avoid: Excel templates (manual, error-prone) or pricier tools like Float ($50+/mo)" (Grok 4.1 Fast, budget prompt)
- Anaplan: 6 of 7 labels 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: 4 of 5 labels negative. "21-month average time to ROI; complex setup; designed for large finance teams, not solopreneurs or small teams" (Kimi K2, negative prompt)
- GTreasury: 3 of 3 labels negative. "Enterprise-Level Treasury Software (e.g., Kyriba, GTreasury, or high-end tools like Agicap at scale)" (Grok 4.1 Fast, negative prompt)

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, September 2026 Edition, finance-ai-index.com.