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Fluidly

Intelligent cash flow management software

Fluidly logo
21-100 employees
  • Fintech
  • B2B
  • Bookkeeping
  • SaaS
  • Accounting
  • Automation
London, UK

Company mission

To help business owners take control of their financial future, so they can worry less and sleep better.

Top investors

38% female employees

-38% employee growth in 12 months

Our take

Many small business owners use spreadsheets and Excel to forecast their cash-flow. Fluidly automates cash-flow forecasting to ensure any SME owner can be proactive, rather than be reactive and rely on last-minute loans. Business owners are prompted about potential finance concerns through their accounting platform (mainly Xero).

They sign up SMEs by approaching accountancy firms. This is a smart distribution channel: it’s effective and business owners typically have long-standing and trusting relationships with their accountants. The company has strong experience in AI and is in a strong position to make the most out of new data sources. With the increase in data available through Open Banking, the product that provides the best insights with the data is likely to be the winner here.

The company plans to become a broker of loans and credit. Fluidly has the relationship with SMEs and the data required to know if a business needs a loan, when it should be able to repay, and therefore can recommend the best options. Recent acquisition of Fluidly by OakNorth will drive forward a joint mission to empower SMEs.

Freddie headshot

Freddie

Company Specialist at Welcome to the Jungle

Benefits

  • Holiday allowance: 25 days (excluding bank holidays) and we will make you take it. Burnout is not big or clever
  • Hybrid working: each week we work partly from home (for those work/life balance, deep focus days) and partly from the office (for those collaborative meeting, post work beers days)
  • Private health cover: Our Vitality health insurance covers your physical and mental health and provides you with a discounted gym membership and half-price health screens
  • Equity: We want everyone to have a meaningful stake in the business
  • Enhanced maternity, paternity and adoption leave
  • Great Tech: including a budget to kit out a home work space too
  • Commuter support: we offer the cycle to Work Scheme and Season Ticket Loan to help you get back to the office
  • Perks and discounts: a range of discounts available through Vitality (fitness watches, Waitrose cashback, gym membership etc.) and CharlieHR

Company values

  • We are together - ‘If you want to go fast, go alone. If you want to go far, go together.’ There’s no room for egos or drama here - we step up for each other and our customers without fail. We humbly work hard at working together.
  • We step up - At Fluidly, we question the status quo. With a burning desire to make things better, we find what needs to be done and get it done, without faffing around.
  • We are straightforward - We’re frank, accessible and always keep it simple: in our product, our comms and our business practices. Business finance can get pretty complex, so we make sure to present things clearly.
  • We care - Whether it’s our product, our partners or our people - we care. We’re conscientious with our work and respectful to the people we come into contact with. We don’t leave things unfinished or people in the lurch.
  • We find the right solution - We’re proud of the rigour we apply to difficult problems but we don’t let theory get in the way of actually getting it done. We’re excellent at balancing thinking and doing.

Funding (last 2 of 5 rounds)

Jun 2020

$0.4m

GRANT

Jun 2019

$6.4m

GRANT

Total funding: $15.8m

This company has top investors

Leadership

Johnnie Ball

(Chief Data Officer)

Studied Machine Learning at UCL and was a data scientist at Octopus Energy.

Endorsements

All

Nice people (3)

Challenging work (1)

Opportunities to learn (1)

Supportive management (1)

Great work is recognised (1)

Team energy (1)

Flat hierarchy (1)