5. Fluidly

Company: Fluidly

Founder(s): Caroline Plumb OBE

Website: https://fluidly.com/

Business: An intelligent cashflow engine for SMEs which helps businesses predict, optimise and protect their finances by using the data in accounting packages to improve their finances.




About Fluidly


Caroline Plumb OBE founded Fluidly back in October of 2016 with the aim of helping business owners sleep more soundly by providing certainty and peace of mind over finances.

Fluidly’s Intelligent Cashflow software produces cashflow forecasts in minutes, enabling businesses to plan ahead with confidence, find relevant funding products when they need it, and boost their bank account. It works with hundreds of accounting practices and tens of thousands of connected businesses.

Fluidly has won multiple industry awards including Xero Practice App of the Year, as well as both Innovation of the Year and Forecasting, Planning & Analysis Software of the Year at the Accounting Excellence Awards. Alongside that the company has been recognised as a leading fintech and was listed in WIRED’s Top 100 Hottest European Startups.




With the pandemic bringing further hardship to SMEs across the UK, Fluidly added end-to-end funding tools to its cashflow management solution, offering pre-qualified funding options to millions of businesses within minutes. Fluidly added a scenario planning feature, which helps businesses and their advisers plan for lost revenue or a change to their operating costs and offered a dedicated broker service to provide specialist advice in a compliant, low touch way.

To date, Fluidly has helped over 30,000 businesses, worked with over 500 accounting partners and facilitated millions in funding solutions.