Grow With Confidence. Forecast Cash Flow, Cut Risk.
FlowFinance combines mathematical balance sheet analysis, live legal database checks, AI risk scoring, and predictive cash flow forecasting — into one enterprise risk platform for B2B finance teams.
Acme Industries S.r.l.
P(Default) 67% · Legal flag detected
DSO
78 days
Avg Delay
+42 days
Acme Industries S.r.l.
DSO: 78 days
Beta Manufacturing
DSO: 45 days
Gamma Logistics
DSO: 38 days
Delta Services S.p.A.
DSO: 28 days
Epsilon Trading
DSO: 22 days
€248,000
62 days
↑ +18 vs last quarter
Early Warning
Mathematical Risk Model
Balance sheet + payments + legal
Real-Time Legal Check
Insolvency & sanctions DB
DSO Monitoring
Per client, per portfolio
Bank-grade Security
Your data is always protected
Manual AR management means
you're always a step behind
When collections are manual and credit decisions are based on gut feeling, DSO climbs and cash flow becomes unpredictable.
Rising DSO eats your cash
Every extra day a client takes to pay ties up capital you need to operate. Without predictive data, you're always reacting too late.
You extend credit blindly
Without analyzing a customer's balance sheet or legal standing, credit decisions are guesses. One bad client can cause serious damage.
Late payments kill forecasts
When 3–4 clients consistently pay late, your cash flow projection becomes unreliable and bank reporting becomes painful.
No early warning system
By the time a client's insolvency appears in public records, you've already delivered goods or services you'll never get paid for.
Complete AR Risk Intelligence
Powered by One Platform
From invoice management to predictive credit scoring — every tool your finance team needs to protect cash flow.
Predictive Credit Scoring — Per Client
Every customer gets a 0–100 credit risk score based on three data layers: actual payment history analysis, mathematical balance sheet ratios (Current Ratio, Debt/Equity, Quick Ratio), and live legal database checks against insolvency registers and sanctions lists.
/100 composite score
P(Default): 67%
Payment Score
28/100
Balance Sheet
35/100
Legal Check
🔴 Flag
⚡ Recommendation: Reduce credit exposure to max €5,000. Require advance payment.
From setup to execution
in four steps
Connect your invoices & payments
Import your invoice and payment history manually or via CSV. FlowFinance builds a behavioral payment profile for each B2B customer automatically.
Upload balance sheets for AI analysis
Upload a customer's financial statements. Our AI extracts key ratios, checks international legal databases, and produces a composite financial risk score.
Get predictive credit scores
Each client receives a 0–100 credit score combining payment behavior, balance sheet health, and legal standing — with a recommended maximum credit exposure.
Forecast cash flow & run scenarios
See your projected cash inflows over 6 months, identify at-risk receivables, and simulate what happens if you change credit terms or block specific clients.
Trusted by B2B Finance Teams
"We reduced our DSO by 22 days in 3 months. The credit score feature flagged two clients before they went into arrears — saved us over €80,000 in bad debt."
Marco Bianchi
CFO, Bianchi Metalmeccanica S.p.A.
"The balance sheet analyzer is extraordinary. It takes minutes to do what used to take our credit analyst hours. The legal database check has already caught two clients with insolvency proceedings."
Laura Ferretti
Credit Controller, Ferretti Logistics Group
"Cash flow forecasting used to be a nightmare. Now FlowFinance gives us a 6-month projection per client, weighted by their actual payment probability. Our bank loves our reports now."
Davide Romano
Finance Director, Romano Industrial Supplies
Simple, transparent pricing
Start with a 2-month free trial. No credit card required.
Enterprise
For agencies and structured teams
All plans include 2-month free trial · Cancel anytime · VAT may apply
Stop guessing.
Start predicting.
Join finance teams using FlowFinance to reduce DSO, prevent bad debt, and manage enterprise credit risk with confidence.