If you are evaluating cash flow forecasting tools for your accounting practice or fractional CFO business, Float and Finoya are two platforms that come up repeatedly. Both integrate with major accounting platforms, both generate rolling cash flow forecasts, and both are marketed toward SME clients and their financial advisors.
But they are built around different core use cases, and the right choice depends on what you are actually trying to accomplish. This is a direct comparison based on how these tools work in practice, not on marketing claims.
What Float Does Well
Float is a well-established cash flow forecasting platform with a strong presence in both the US and international markets. Its core strength is visual clarity. The interface is clean, the forecasts are presented in an intuitive format, and the user experience is polished.
Float is particularly strong for businesses and advisors who want to build detailed, multi-scenario forecasts. The platform allows you to create different forecast versions, compare them side by side, and test assumptions across various timeframes. If you are a fractional CFO running quarterly planning sessions with a client and need to present multiple financial scenarios to a board or leadership team, Float handles this well.
The platform also supports team collaboration. Multiple users can access the same forecast, add comments, and update assumptions. For larger businesses with internal finance teams or for fractional CFOs working alongside in-house finance staff, this collaborative feature is valuable.
Float integrates with Xero and QuickBooks, though the integration depth varies by platform. The data sync is reliable once configured, and the platform handles multi-currency forecasting for businesses operating across borders.
Where Float Has Limitations
Float is not built primarily for accountants managing a large portfolio of SME clients. The platform is designed around single-company use or small teams working within one business. For a fractional CFO managing 15 to 20 clients or an accounting firm with 60 SME clients, Float does not provide a consolidated multi-client dashboard that makes portfolio management efficient.
Each client requires a separate Float account, and switching between them means logging out and back in or managing multiple browser tabs. This works for a small number of clients but becomes cumbersome at scale.
The AI layer in Float is limited compared to newer platforms. The forecasting is rule-based rather than driven by pattern recognition or anomaly detection. You build the forecast by setting assumptions manually, and the platform calculates the outputs. It does not proactively surface insights or flag risks without you knowing to look for them.
Float does not offer white-label capability. If you are an accountant or fractional CFO looking to offer a branded financial monitoring tool to your clients as part of an advisory package, Float is not structured to support that business model.
The pricing is per-company on a monthly basis, which can add up quickly for practices managing multiple clients. There is no portfolio pricing model designed for advisors serving a large SME base.
What Finoya Does Well
Finoya is built specifically for accountants, fractional CFOs, and bookkeepers who manage multiple SME clients and want to deliver proactive financial advisory at scale. The platform provides a consolidated dashboard where you can see the cash flow health and key metrics for your entire client portfolio in one view.
The AI layer in Finoya is more developed than Float’s. The platform monitors cash flow continuously, identifies anomalies, and surfaces early warnings automatically. If a client’s debtor days are stretching, if cash is trending toward a gap, or if burn rate is accelerating unexpectedly, the system flags it without requiring the advisor to manually check every client.
Scenario planning in Finoya works in real time during client conversations. You adjust variables and see the cash flow impact immediately. This is particularly valuable for fractional CFOs who need to model decisions live on a call rather than deferring to build analysis offline.
The white-label capability is a key differentiator. Accounting practices and fractional CFO firms can brand Finoya with their own identity and offer it to clients as a value-added service. The client experience carries the firm’s branding, not ours. This creates a recurring revenue stream for the advisor that sits alongside compliance or retainer fees.
Finoya integrates with Xero, QuickBooks, and MYOB, which covers the accounting platforms most SME clients use in Australia and the US.
Where Finoya Has Limitations
Finoya is newer to the market than Float and does not yet have the same depth of multi-scenario comparison tools. If your primary use case is building detailed board-level forecast presentations with multiple versions compared side by side, Float has a stronger feature set for that specific workflow.
The collaborative editing features in Finoya are less developed than Float’s. If you are working with a client that has an internal finance team and multiple people need to update assumptions concurrently, Float is better suited to that workflow.
Finoya is optimised for SMEs with straightforward financials. Businesses with complex group structures, multi-entity consolidation, or heavy international operations may find Float’s capabilities more robust for those edge cases.
The Comparison in Practice: Which One Fits Your Workflow?
The right tool depends on what you are trying to do and how you are structured.
If you are a fractional CFO managing a small number of clients, each with sophisticated forecasting needs and internal finance teams who need collaborative access, Float is a strong fit. The visual presentation quality and multi-scenario comparison tools are well-suited to board reporting and detailed financial planning work.
If you are an accounting firm, bookkeeper, or fractional CFO managing a larger portfolio of SME clients and want to deliver proactive cash flow advisory at scale, Finoya is built for that use case. The multi-client dashboard, AI-driven monitoring, and white-label capability make it possible to serve more clients effectively without proportionally increasing workload.
For practices building an advisory revenue stream around a branded financial monitoring product, Finoya supports that business model directly. Float does not.
Pricing: What You Need to Know
Float is priced per company on a monthly basis. The cost scales with the number of businesses you are forecasting for. For a fractional CFO with five to ten clients, the cumulative cost is manageable. For a firm with 40 to 60 SME clients, the cost becomes significant.
Finoya’s pricing is structured to support practices growing their advisory client base. The white-label model allows the practice to earn recurring revenue from clients using the platform, which can offset or exceed the platform cost as the client base grows.
For firms evaluating both platforms, the pricing comparison should include not just the subscription cost but also the revenue opportunity if you are building an advisory service model around the tool.
A Quick Summary
Float is a mature, visually polished cash flow forecasting tool with strong multi-scenario comparison and collaboration features. It works well for fractional CFOs serving a small number of clients with complex forecasting needs.
Finoya is built for accountants, fractional CFOs, and bookkeepers managing larger SME portfolios who want AI-driven monitoring, real-time scenario planning, and the ability to offer a white-labelled advisory product to clients. It is designed for scalability and recurring revenue generation.
Both tools are good at what they do. The question is which one fits where your practice is headed.
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