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中小企业智能现金流管理服务平台Fluidly获500万英镑A轮融资

国际资讯投融资

中小企业智能现金流管理服务平台Fluidly获500万英镑A轮融资

据报道,伦敦金融科技公司Fluidly在A轮融资中获得了500万英镑投资。该公司为中小企业提供智能现金流管理服务。本轮融资由纽约Nyca Partners领投,Octopus Ventures、Anthemis和天使投资人Simon Murdoch、Charlie Songhurst跟投。

Fluidly声称定义了一个新的软件类别,即“智能现金”,希望大大改善中小企业的现金流管理。为此,它建立了基于机器学习的技术,来预测和优化中小企业未来的现金流,从而帮助企业主更好地进行财务决策。为了使用该公司的技术,你需要将Fluidly通过Open Banking连接到你的商业银行账户和云会计软件。

联合创始人兼首席执行官Caroline Plumb解释道:“Fluidly能够访问交易级的银行和会计数据,并利用这些数据,通过预测发票何时到达、何时获得付款或何时支付其他款项,来自动预测未来的现金流。这让企业能够即时且持续地了解自己的财务前景,而不必在电子表格中建模。”

Fluidly表示,自一年前推出服务以来,它已经与英国20大会计事务所中的9家开展了合作,包括BDO、Baldwins和haysmacintyre,并以此作为进入市场的途径。这家金融科技公司还与各种云计算软件提供商建立了合作关系,并表示自己是Xero市场上增长最快的应用之一,也是Sage的合作伙伴。

Fluidly的服务需要企业进行月度订购,此外,Fluidly还向会计事务所和贷款机构出售批量许可,从而让这些机构向自己的小企业客户提供SaaS服务。虽然Futrli和Float可以被视为竞争对手,但其实不起眼的Excel电子表格才是Fluidly的主要竞争对手,而且也远非是最佳解决方案。

与此同时,Plumb表示,新资金将用于产品开发和工程推进,以期增加Fluidly能够承载的集成平台数量,并不断提升软件的预测能力,例如如场景构建等功能。

“如果你在未来可能会遇到现金流困难,我们将提供智能警报、场景及建议等服务来帮助你渡过难关,”她说。“此外,我们还将开始扩大销售和营销团队。”

Nyca管理合伙人Hans Morris补充道:“在他们成长为金融科技行业的主要AI/ML玩家时,我们很高兴能够与Fluidly携手前行。中小型企业的现金流管理是一个早就应该进行创新的领域。”

Fluidly, the London-based fintech that offers an “intelligent” cashflow management SaaS for SMEs, has raised £5 million in Series A funding. The round is led by New-York based Nyca Partners, with participation from other investors including Octopus Ventures, Anthemis and angel investors Simon Murdoch and Charlie Songhurst.

Claiming to define a new software category, namely “Intelligent Cash,” Fluidly  wants to significantly improve small and medium-sized businesses’ cashflow management. To do this it has built machine learning-based technology to predict and optimize the future cash flows for SMEs, thus helping business owners conduct better financial decision-making. As part of this, you connect Fluidly to your business bank account via Open Banking, and to your cloud accounting software.

“Fluidly is then able to access the transaction-level bank and accounting data and it uses this data to automatically forecast future cash flows by predicting when invoices will arrive, get paid or other payments will be made,” explains co-founder and CEO Caroline Plumb. “This gives a business an instant, continuously updated view of their financial future rather than having to model it in a spreadsheet.”

Since launching a year ago, Fluidly says it is now working with nine of the top 20 U.K. accounting firms as a route to market, including BDO, Baldwins and haysmacintyre. The fintech has also formed partnerships with various cloud accounting software providers, and says it is one of the fastest-growing apps on Xero’s marketplace and a “Champion-level” Sage partner.

To that end, businesses sign up for Fluidly on a monthly subscription basis, and Fluidly also sells volume licences to accounting firms and lenders who then in turn offer the SaaS to their own small business clients. Futrli and Float could be considered competitors, but arguably the humble Excel spreadsheet is Fluidly’s main competitor, and a far from optimum solution.

Meanwhile, Plumb tells me the new funding will be invested in product development and engineering to increase the number of platforms that Fluidly can integrate with, and to add new features such as scenario-building and insights to the software’s forecasting ability.

“We’ll be adding smart alerts, scenarios and suggested actions if you might be running into cashflow difficulty,” she says. “We’ll also start to scale our sales and marketing team.”

Adds Hans Morris, managing partner at Nyca: “We are thrilled to have joined Fluidly on their journey as they grow into a major AI/ ML player in the financial technology industry. Cashflow management for SME’s is an area that is long overdue for the kind of innovation that Fluidly is providing.”

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