Cashflow CaFE

Cashflow CaFE is a forecasting and management application intended to help small businesses understand and manage cashflow. It uses accounting data to calculate available cash, create projections, and support budgeting, including scenario planning. CaFE automatically synchronises with accounting software; listed integrations are Xero, FreeAgent, and QuickBooks. It monitors cash positions and can notify users about impending shortfalls, surpluses, and invoices or payments needing attention. Reports are available for business users, accountants, and financial advisers. Accountants and bookkeepers can monitor client cashflow through the service, and an adviser dashboard highlights clients who may need help. CaFE runs on the web, Android, and iOS; a phone browser can be used without installing a separate app. The paid service starts at £12/mo and includes a 30-day trial, but has no free plan. It is developed and owned by Skwile Limited, registered in England and Wales. After a subscription ends, submitted or created data is archived and is no longer available to the user.

CaFE combines cash projections, alerts, reports, and adviser access for small-business cashflow management. Consider the paid subscription and the post-subscription data access limit before choosing it.

CaFE suits small business owners who want accounting-linked cash projections, cash alerts, and budgeting tools. Accountants and bookkeepers can also use it to monitor clients’ cashflow.

Cashflow CaFE is a cashflow forecasting service for small businesses that builds projections from accounting data. It best suits owners who want to plan ahead with an accountant or bookkeeper involved. Its forecasting and alerts are useful; the paid-only entry point and loss of access to stored data when a subscription ends weigh against it.

Overview

CaFE turns accounting records into a view of available cash and tools for budgeting and scenario planning. This makes it relevant to owners who need to consider how plans may affect cash, not just check the current position. Automatic synchronisation with Xero, FreeAgent or QuickBooks supports that approach by linking projections to accounting activity. Businesses using other accounting software may find less reason to choose a service built around these integrations.

Alerts can flag expected shortfalls or surpluses and point to invoices or payments needing attention. Reports are available for business users and their financial advisers. Together, these features support ongoing cash monitoring and conversations about what to do next.

Key features

Forecasts, planning and alerts

CaFE calculates available cash from accounting data, then provides budgeting and scenario planning. Those tools are useful when an owner needs to weigh possible changes before they affect cash. Alerts add a prompt when a cash position or a particular invoice or payment needs attention, though they do not replace the owner's judgment about what action to take.

Reports and adviser access

Owners can produce reports for themselves, their accountants and financial advisers. They can also invite an accountant or bookkeeper to monitor cashflow. The adviser dashboard highlights clients who may need help, which can make CaFE a fit for businesses that already work with an adviser and want that person involved in monitoring.

Mobile use and support

CaFE works in a mobile web browser, so users can check it on a phone without installing a separate app. The company aims to respond to support requests within 48 working hours, Monday to Friday, 9 a.m. to 5 p.m. GMT. That stated response window is a consideration for users who need help outside those hours or sooner.

Pricing

CaFE is paid software, with plans from £12/mo and a 30-day free trial. There is no free plan, so continued use requires a paid subscription after the trial. The entry price may suit a small business looking for a dedicated forecasting tool, but the published pricing information does not establish what each plan includes or how seats and usage limits vary.

After a subscription ends, submitted or created data is archived and the user can no longer access it. Removal can be requested by email. Businesses that need continued access to their historic forecasts should factor this restriction into their subscription decision.

Platforms

CaFE is available on Android, iOS and the web. On mobile, access is through a browser rather than a separate app installation.

Who it's for

CaFE is aimed at small-business owners who want to understand and manage cashflow using their accounting data. It is a stronger fit when the business uses Xero, FreeAgent or QuickBooks and wants an accountant or bookkeeper to monitor the position too. It is less compelling for a business without one of those integrations or one that needs stored data to remain accessible after cancelling.

Pros and cons

• Pros: Automatic accounting synchronisation feeds cash projections, while budgeting and scenario planning help owners consider future changes.
• Pros: Alerts flag potential shortfalls, surpluses and invoices or payments needing attention.
• Pros: Reports and invited adviser access support shared cashflow monitoring with an accountant or bookkeeper.
• Cons: There is no free plan, and use beyond the 30-day trial requires a paid subscription starting at £12/mo.
• Cons: Users lose access to submitted or created data after a subscription ends, unless they keep the subscription active.
• Cons: Phone access uses a mobile browser, not a separate mobile app.

Alternatives

For a broader comparison, browse Cash Forecasting Software.

Choose Kyriba if custom pricing and a demo-based buying process suit your needs; its listed platforms include Android, iOS, web and API access. Agicap may suit buyers willing to commit annually: its subscription has a 12-month minimum, and its price is not displayed. Cobase Bank Connector is another paid option, with pricing dependent on bank connections, account volume, modules and ERP integrations.

Dibein is worth considering if you want a free tier with one bank connection, one accounting connection, a rolling 13-week forecast and up to two seats. Predict.ai has a free forever tier capped at 500 credits per month, one workspace and one seat, among other limits; it is listed for web, API and self-hosted use. Awesome Forecast may fit a Windows user seeking a single-user license, priced at £250 a year, with a separate unlimited email and telephone support package also priced at £250 a year.

CashAnalytics offers custom pricing on request. Nomentia Cash Flow Forecasting is another paid, web-based alternative.

Verdict

Cashflow CaFE is a sensible choice for a small business using Xero, FreeAgent or QuickBooks that wants cash projections, planning tools and adviser involvement in one workflow. Its clearest strengths are accounting-linked forecasts, useful cash alerts and shared monitoring. Look elsewhere if a free plan is essential, if phone use requires a dedicated app, or if you need access to stored data after cancelling.