Embat Cash Flow Management vs Float

Embat Cash Flow Management is a web platform for corporate finance teams at medium to large companies. It brings cash positions from banks, entities, and currencies into a real-time view, with support for multi-entity operations, intercompany visibility, funding tracking, and scenario analysis. Forecasts can combine ERP data, historical patterns, recurring items, and manual uploads, while deviations are surfaced as they occur. Projections can show balances for individual bank accounts and facilities to flag possible overdrafts. TellMe categorizes incoming transactions and sends exceptions for manual review; its suggestions require human approval, and Embat says it does not execute autonomous transactions. Bank connectivity covers more than 15,000 institutions through APIs and file channels such as EBICS, SWIFT, and host-to-host. ERP integrations include SAP, Oracle NetSuite, Microsoft Dynamics, Sage, DATEV, and more than 20 additional systems, with bidirectional flows. Payment and expense integrations include Stripe, PayPal, Adyen, Pleo, and Payhawk. Embat is headquartered in Madrid, Spain. Pricing is available on request through a tailored modular plan.

Float turns data from connected accounting software into rolling cash flow forecasts for finance teams. It offers weekly and 13-week views, plus monthly forecasts that extend up to three years on Growth and Scale. Users can adjust income and costs, model scenarios and estimate new-hire costs before committing. Float shows invoices and bills with expected payment dates based on when clients actually pay. Its current accounting integrations are Xero and QuickBooks Online; a direct Sage Intacct connection is described as coming soon. Float does not connect directly to banks: bank transaction data comes through the connected accounting platform. Data syncs every 24 hours, with manual sync also available. Teams can comment on budget lines, invoices, bills and payments, tag colleagues and receive mention notifications. Admin, Editor and Viewer roles govern access. Float lists encryption in transit and at rest, multi-factor authentication, role-based access and independent auditing to the UK government-backed Cyber Essentials standard. The web service has no free plan; pricing starts at $105/mo (annual), with a 14-day trial. Essentials forecasts up to 12 months; Growth and Scale cover 36 months.