Cashflow CaFE

Cashflow CaFE turns accounting records into forecasts and planning tools for small businesses. It suits owners who want to anticipate cash pressure and advisers who monitor client finances. Its connected forecasting and alerts make it a focused cash-management option, with a paid-only entry point and restricted access to stored data after cancellation.

Overview

CaFE calculates available cash from accounting data and synchronises with Xero, FreeAgent and QuickBooks to create projections. Budgeting and scenario planning let owners consider how changes might affect cash ahead. That makes it more useful for planning than a simple view of the current balance, provided the business uses one of its supported accounting systems.

Alerts flag potential shortfalls and surpluses, as well as invoices or payments that need attention. Reports can be prepared for the business, its accountant or a financial adviser. The combination supports regular cash reviews and adviser conversations without requiring the business to manage its cash position alone.

Key features

Forecasting and planning

Automatic accounting sync supplies the data for cash projections, while budgeting and scenario planning help owners weigh possible decisions. This is a practical fit for businesses that already keep their accounts in Xero, FreeAgent or QuickBooks. CaFE's described integration set is limited to those three services, so businesses using other accounting software may not get the same connected workflow.

Alerts, reports and adviser access

Cash alerts can draw attention to impending surpluses or shortfalls and to invoices or payments needing action. Reports serve owners as well as their accountants and financial advisers. Businesses can invite an accountant or bookkeeper to monitor cashflow, and advisers have a dashboard that highlights clients who may need help. This makes CaFE relevant to firms managing cash internally and to adviser-client oversight.

Mobile access and support

CaFE works in a mobile web browser, so users can check it on a phone without installing a separate app. The listed platforms are Android, iOS and web. The company aims to answer support requests within 48 working hours, Monday to Friday, 9 a.m. to 5 p.m. GMT; that response window may not suit a business needing immediate help with a cash issue.

Pricing

CaFE is paid software, starting at £12/mo, and has no free plan. A 30-day free trial gives a business a month to assess the forecasting workflow before committing. The entry price makes it possible to try a dedicated cash-management tool without a free-plan cap, but the price alone does not establish which features or usage limits apply at each subscription level.

After a subscription ends, submitted or created data is archived and is no longer available to the user. Removal can be requested by email. Businesses should account for this change when deciding whether CaFE will be their ongoing record for cash planning.

Platforms

CaFE is available on Android, iOS and the web. Phone access uses a mobile browser rather than a separate mobile app, which avoids an installation but means the mobile experience is browser-based.

Who it's for

CaFE is best suited to small business owners who want to forecast cash from their accounting data, model possible changes and get prompts about upcoming cash risks or payments. It also fits businesses that want their accountant or bookkeeper to monitor cashflow, and advisers who need a dashboard to identify clients needing attention. A business outside the Xero, FreeAgent and QuickBooks ecosystems, or one that needs continued user access to stored data after ending its subscription, should look elsewhere.

Pros and cons

Accounting-linked forecasts: Automatic sync with Xero, FreeAgent and QuickBooks feeds cash projections, reducing the need to build a forecast separately from accounting records.

Planning beyond the current balance: Budgeting and scenario planning help owners consider how decisions could affect future cash.

Actionable monitoring: Alerts cover shortfalls, surpluses and invoices or payments needing attention, while reports and adviser access support shared review.

No free plan: The 30-day trial is the only free route to evaluate CaFE, so ongoing use requires a paid subscription.

Data access ends with the subscription: Archived data is no longer available to the user after cancellation, which may complicate continued use of past forecasts.

Alternatives

For a broader comparison of cash forecasting tools, see Cash Forecasting Software.

Agicap is another paid option with a free trial and Android, iOS, web and API platforms; its subscription has custom pricing and a 12-month minimum term.

Calxa may suit a team comparing a monthly USD plan that allows unlimited users, with an additional organisation costing $18/mo.

Float offers Essentials at $130 a month, including unlimited users, eight scenarios, a 13-week cash flow and 12-month forecasts; Growth is $265 a month.

Predict.ai is a freemium alternative with web, API and self-hosted platforms; its free tier includes 500 credits per month, one workspace and one seat.

Awesome Forecast is a Windows option with a free plan and a Single License at £250 a year for one user.

Dibein has a free Starter plan with one bank connection, one accounting connection, a rolling 13-week forecast and up to two seats.

bluprnts is a paid web option with a free trial and a Starter plan at £79 a month, with the trial capped at three products, three people and specified sales, costs and financing lines.

Cash Flow Frog offers a Pro Plan at $55 a month for up to $1M annual revenue, with a 36-month forecast and ten users.

Verdict

Choose CaFE if you run a small business on Xero, FreeAgent or QuickBooks and want forecasts, scenario planning, cash alerts and adviser involvement in one workflow. The strongest reason to choose it is the link between accounting data and forward-looking cash management; the clearest reason to look elsewhere is that stored data becomes inaccessible to users once the subscription ends.