Everything Float does

Your home dashboard — the date and depth of your next cash crunch, projected day by day across your horizon.

• Stat row: operating cash across all accounts, net 30-day flow, outstanding receivables (and how much is overdue), and the forecast verdict (crunch date or “Clear”).
• Crunch banner: how many days away, the projected balance below your buffer, and why — the largest outflows landing before your slow payers pay.
• Stress test: re-run the forecast assuming customers pay at their worst historical speed.
• Monday memo (Scale) — a proactive weekly AI briefing on cash, risk, and one action.

A what-if studio — toggle real business levers and watch the forecast redraw against your current baseline.

Levers include hire, delay an import, win a new client, raise prices, cut costs, chase harder, and defer VAT — magnitudes derived from your real payroll, receivables, and spend. Suggest with AI proposes scenarios with their grounded impact and an Apply button. On Scale you can save scenarios and export a board-ready PDF.

Your accounts-receivable cockpit — predict who pays late, chase them, and claim what you're owed.

• Add invoices or pull them from your accounting app; each shows a risk band and a predicted payment date from that client’s real behaviour.
• Statutory late-payment interest (all plans): an indicative contractual figure (~9%/yr, no fixed fee) — not a statutory entitlement; confirm the rate in your contract and with counsel. You can add it to the invoice (recorded in your audit log).
• Actions: manual Chase and Mark paid on all plans; Scale adds automated escalating chase sequences and client credit checks.

Smart Set-Aside automatically ring-fences the VAT portion of every payment you receive into a protected pot.

VAT divisor: gross ÷ 21 (5% VAT). It also estimates a corporate-tax pot (UAE Corporate Tax 9% on profit above AED 375,000). Turning it on makes your Radar forecast more honest — it plans around money that’s already spoken for.

A financing bridge — shown only when a crunch is actually forecast. Float never dangles financing at a healthy business.

When a crunch exists, Float sizes a single bridge to cover the shortfall, timed to land just before the dip, showing amount, term, rate (1.2%/month), and total repayable — with Accept / Decline. Scale adds a marketplace that ranks alternative offers by true cost.

Business-insurance recommendations sized to your actual exposure (receivables, overdue, single-client concentration).

A top-pick policy card shows category, indicative cover, and approximate annual premium, with a Request quote button — Float records your interest but is not a broker and does not sell policies. Scale adds a comparison marketplace.

A 0–100 business-health score, your connected-account balances, and a subscription waste finder.

The score comes with a plain-English breakdown of what’s helping and hurting (a forecast crunch, overdue receivables, over-reliance on one client, subscription waste, un-ring-fenced VAT) and how to fix each. The Waste Finder flags unused or duplicate subscriptions with the monthly saving.

An AI CFO chat grounded strictly in your company's numbers — it can't see other companies' data and won't invent figures.

Grow: 50 questions/month with optional top-up packs. Scale: unlimited (fair use). Thumbs-up/down feedback on any answer, and quick-question chips to get started.

Connect banks via Open Banking (Lean) and third-party apps across accounting, tax, payments, payroll, commerce and expenses.

Each bank connection shows its balance, a consent countdown (amber at ≤21 days), and last-synced time — Sync, Renew consent, or Disconnect. Grow is capped at 3 bank connections.

Territory-aware verification — KYB (business), KYC (people), beneficial owners, and sanctions screening, under the trade-licence registry and UAE-PDPL.

Only owners start business verification; owners/finance manage members and UBOs. Verification is required before connecting banks/apps and before upgrading to Scale.

Company profile and team management; forecast, notification, security and developer settings; and your subscription.

• Profile — company details and team roles (owner, finance, bookkeeper, ops, accountant). 2 seats included per company; extras billed per user/month on any plan.
• Settings — safety-buffer slider (with AI suggestion), Radar horizon, notification toggles, business type, 2FA, developer tools (Scale), and always-available data export / account deletion.
• Plan — switch Grow/Scale, monthly/annual. See Plans and pricing.

For portfolios — a consolidated view across all your companies.

A blended Overview (combined cash, blended health gauge, earliest group-wide crunch, per-entity cards), plus Receivables, Tax, and Compliance roll-ups. When companies use different currencies you choose one to consolidate in.