cash flow forecast

Automate business forecasting with FREE Cashflow Insights

Control your cash flow, boost your credit score and access flexible credit options. Spend less time on spreadsheets and more time on doing what you love.

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From forecast to credit - all in the Tide app


Stay in control

Check your financial health anytime, anywhere

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Keep your cash flow healthy

Get real-time forecasts and suggestions to manage your finances


Get easy access to credit

Select credit products for which you’re already eligible*


Boost your credit rating

Monitor and improve your rating with the embedded Experian Credit Score

Cashflow Insights - your pocket personal assistant

View your account activity

Get real-time cash flow forecasts based on your account activity. Keep your financial health in check.

  • See your account transactions in one place
  • View status of all incoming and outgoing payments
  • Get a business health check on the go

Predict your balance

No more complicated spreadsheets. Get your cash flow predictions in an easy-to-read graph.

  • View real-time forecasts for your cash flow
  • Predict your balance up to 30 days ahead
  • Get advance warning of any cash flow problems

Check invoice payment probability - coming soon

Manage your cash flow and see at a glance if your invoices are likely to be paid on time.

  • See all outstanding invoices in an instant
  • Get percentage predictions for chances of invoice payment
  • View and manage invoice payments

Track your credit score

Get peace of mind by monitoring your credit rating in the app.

  • View your Experian Credit Score anytime
  • Get real-time updates so you can take action when needed
  • Use your credit score to guide your business decisions

Receive actionable suggestions and tailored credit products to improve your cash flow

Receive recommendations based on your cash flow predictions to improve your finances. Access tailored credit products, such as Business, Start-up, and other short-term, flexible loans from our partners to help manage any predicted problems.

  • Get instant alerts of any cash flow problems
  • Receive practical tips to keep your finances in the black
  • Choose from a range of credit products for which you are already eligible*
  • Credit checks completed beforehand*

Goodbye spreadsheets, hello machine learning!

Revolutionise your business forecasting with Open Banking!

No more updating spreadsheets – with Cashflow Insights, all this is done for you!

Combining analysis of your account activity with machine learning models, Cashflow Insights provides real-time predictions and recommendations on how to keep your cash flow healthy.

With our Open Banking integration, you can connect your Tide account, as well as any other business accounts you may have. Cashflow Insights will then analyse the data from all your connected accounts. The more activity, the more personalised your forecasts will be.


Make informed decisions and improve your cash flow

Our mission is to help you navigate your financial future. With Cashflow Insights, you receive an up-to-date forecast in seconds, helping you keep your finances in the black.

  • Predict your cash flow 📈

    Get intelligent insights and balance predictions on the health of your cash flow up to 30 days ahead.

  • View smart recommendations 🔍

    Access a list of recommended actions you can take to keep your cash flow in good shape.

  • Improve your credit score 🌱

    Use the Experian Credit score within the app to monitor and boost your credit rating.

  • Open up your options for funding 💷

    No more high-interest bank loans. We’ll offer you flexible and affordable funding with our credit options.

Get access

Cashflow Insights FAQs

Do I need a Tide account to use Cashflow Insights?

Yes, you will need to open a FREE Tide account to be able to use Cashflow Insights. However, once you access Cashflow Insights, you can simply use Open Banking with your existing bank account. We will then analyse this data and provide you with insights and predictions if your Tide account has no activity.

What goes into a cash flow forecast?

A cash flow forecast is a report that will estimate how much money will flow in and out of your business over a given period. It will take into consideration information such as estimated sales, income, and general business expenditure, such as staff costs, stock, and advertising.

Tide’s Cashflow Insights will analyse activity on your account(s) with machine learning models and provide predictions of the balance of your cash flow for the next 30 days.

What is positive and negative cash flow?

Positive cash flow means your business is in receipt of more cash coming in than has been paid out. Negative cash flow results from having more expenditure (eg on stock, promotions, staff salaries) than you have income.

What causes cash flow problems?

A cash flow problem can occur when a business struggles to pay its debts when they are due. A business, and particularly a start-up, may experience a negative cash flow if they have to invest in new equipment, a large quantity of stock or if they are in an industry that experiences seasonal drops in demand.

How does Cashflow Insights work?

Unlike a traditional spreadsheet, you can connect Cashflow Insights directly to any of your business accounts. It will then use a combination of your account activity, as well as machine learning models to produce real-time business forecasts and predictions for your cash flow up to 30 days ahead.

As well as predictions, it will also give you recommended actions you can take in order to keep your cash flow healthy. You will also be able to access flexible credit options tailored to your business.

What is Cashflow Insights?

Cashflow Insights is our cash flow planning and forecasting tool. It combines several Tide features to provide you with easy-to-read insights, balance and invoice payment predictions. You will also get recommendations to help you to plan for the future and optimise your cash flow all in the Tide app. If you need credit, you’ll also have access to flexible and affordable funding options.**

Cashflow Insights is available to use via the Tide app.

To use Cashflow Insights, you must be the director of a small business registered in the UK, operating as a limited company.

**Cashflow Insights is a data analytics tool and should not be construed as financial advice. You should seek independent financial advice before making any decisions about your financial future, including before entering into loans or purchasing any credit products advertised by Tide.

How do I sign up for Cashflow Insights?

It’s easy. At, submit the email address you use for your Tide account.

We’ll email you to confirm you’re on the priority list to try this new feature and we’ll message you again when it’s ready to use.

When will Cashflow Insights be ready to use?

We’re developing Cashflow Insights now and we’re aiming to launch it in early 2021.

*Additional eligibility checks might be run when applying for Tide’s partner products

**Cashflow Insights is a data analytics tool and should not be construed as financial advice. You should seek independent financial advice before making any decisions about your financial future, including before entering into loans or purchasing any credit products advertised by Tide.