'%20fill='%23ccc'/%3e%3c/svg%3e){kind=icon}
What Is FP&A Software?
FP&A software helps businesses automate budgeting, forecasting, reporting, and financial modeling. For small businesses, these tools enable:
- Real-time visibility into finances
- Scenario planning
- Cash flow forecasting
- KPI tracking and dashboards
- Integration with accounting software like Xero, QuickBooks, or Sage
Top FP&A Software for Small Businesses in the UK (2025)
| Software | Best For | Free Trial | Integrations | Key Features |
|---|---|---|---|---|
| Futrli | Small business forecasting | ✔️ | Xero, QuickBooks, Sage | Predictive cash flow, scenario planning |
| Float | Cash flow management | ✔️ | Xero, FreeAgent, QuickBooks | Real-time cash forecasting, simple UI |
| Sage Intacct | Scalable FP&A and reporting | ❌ | Sage ecosystem | Financial dashboards, advanced reporting |
| LivePlan | Business planning | ✔️ | Xero, QuickBooks Online | Forecasting + pitch deck builder |
| Planful | Growing SMEs | ✔️ (Demo) | ERP & accounting tools | Full FP&A suite with modeling + workflows |
| Clarity | Accountant-led advisory | ✔️ | Xero | KPI dashboards, actionable insights |
Float: Simple Yet Powerful Cash Flow Forecasting
Float is ideal for UK-based small businesses looking to manage short-term cash flow. Features include:
- Easy setup with accounting tools
- Drag-and-drop forecasting
- Customizable budget scenarios
💡 Float is a top pick for non-finance teams who need clarity and simplicity.
Futrli: Smart Forecasting with AI
Futrli offers predictive analytics tailored for small businesses and accountants. Highlights:
- AI-powered forecasting
- Profit and loss + balance sheet views
- "Predict" module suggests likely future outcomes
This makes it great for small teams who want smarter planning without spreadsheets.
LivePlan: Business Plans + Financial Forecasts
Perfect for startups and micro-businesses, LivePlan helps users:
- Build investor-ready business plans
- Align operations with financial forecasts
- Collaborate with teams and advisors
If you’re seeking planning and pitching in one, LivePlan is an ideal fit.
Clarity: Transform Advisory Services
Clarity empowers accountants and small businesses to collaborate with:
- KPI monitoring
- Action plan generation
- Real-time business health scoring
For businesses that work closely with financial advisors or accountants, Clarity stands out.
FP&A Tools Comparison by Business Size
| Business Type | Recommended Tool |
|---|---|
| Solo entrepreneurs | Float or LivePlan |
| Startups seeking funding | LivePlan |
| Retail or service-based SME | Futrli or Float |
| Growing companies with teams | Planful or Sage Intacct |
| Firms working with advisors | Clarity |
What to Look for in FP&A Software (UK 2025)
When choosing FP&A software for a small business, consider:
- Ease of use: Can non-finance staff operate it?
- UK integrations: Works with HMRC-compliant tools like Xero/Sage
- Real-time forecasting: Especially for cash-sensitive operations
- Scalability: Will it grow with your business?
Final Thoughts
The best FP&A software for small businesses in the UK in 2025 goes beyond number crunching. It empowers you to:
- Make faster, more informed financial decisions
- Align team efforts with strategic goals
- Prepare for future growth with confidence
Whether you're a startup owner, a freelancer, or managing a 10-person team, there's a perfect FP&A solution to suit your needs and budget.
✅ Pro Tip: Start with a free trial to test usability and integration with your current accounting system.
