isendi Floatline Business: Cash-Flow Forecasting for Small Businesses (EN + DE)

Know the day your cash runs low, weeks before it does.

isendi Floatline Business is for owners with up to five companies. It forecasts your bank balance 13 weeks ahead day by day and 24 months ahead month by month, reads your bank statements and e-invoices, tracks contracts and taxes, and shows the costed moves that keep you above your safety buffer.

Pay once and keep it. No subscription, no account, nothing to renew. Your financial data never leaves your device.

Try it first: open the live demo

Why profitable businesses still run out of cash

Customers pay late, but salaries, social insurance and VAT leave on fixed days. Contracts renew because nobody noticed the deadline. Supplier discounts expire unused. A spreadsheet shows one line and hides the risk. Floatline shows the odds, and what to do before the dip arrives.

What Business gives you

• Up to 5 companies, each with its own forecast, bills and contracts
• Group view: one combined low point and the odds across all of them
• Each company keeps its own country pack, currency and taxes
• Pay once, keep it for good: no subscription, nothing to renew

What's inside

Forecast with real odds. Floatline learns how each customer actually pays and runs 400 possible futures: 13 weeks day by day, 24 months month by month. You see the expected balance, the likely range, and the chance of dipping below your buffer or running out of cash.

Next moves with a price tag. Suggestions worked out from your own numbers, such as an early-payment offer that lifts your low point by €11,500 for €435 in the sample company.

Stress tests. Eight scenarios: recession, losing your top client, late payers, a price hike, cutting staff, a failing supplier and hiring. Each shows the new low point, the odds and the top-up you'd need against your credit line.

E-invoice inbox. XRechnung, ZUGFeRD, Factur-X and Peppol, as XML, PDF or ZIP. Floatline sorts customer invoices from bills and reads the Skonto terms.

Skonto radar. Every supplier discount valued as a yearly rate against your credit line, with a check that your low point doesn't suffer.

Get paid sooner. Predicted payment dates for every invoice. Reminders in German or English escalate to a final notice with statutory interest (Germany: § 288 BGB), and a GiroCode lets customers pay by scanning it with their banking app.

Contracts and renewals. Leases, insurance and software plans with their terms. Floatline warns you before each notice deadline and writes the cancellation or renegotiation letter.

Tax and payroll calendar. VAT, payroll tax, social insurance and prepayments land in the forecast on their legal due dates, moved for weekends and public holidays.

Bank import and leak detector. Reads bank CSV and CAMT.053 files, adds recurring payments for you, and flags duplicate charges, price rises and tools that do the same job.

Also included: a bank-ready liquidity report you can save as PDF, an Excel export for your tax adviser, and a Forecast Scorecard that shows how accurate past forecasts were.

Made for German business, ready for the world

• Ready for Germany's e-invoice rules: issuing becomes mandatory from 2027 for firms over €800,000 turnover and from 2028 for all.
• Interface in German and English, with country packs for Germany, Austria, Switzerland, the rest of the EU, the UK and the rest of the world.
• Euro, Swiss franc, pound, dollar and more, with local number formats.

The cash-flow tool that never sees your numbers

• Offline Lock: a security rule in the app makes your browser block every connection to the internet. The app shows the count: zero.
• Vault file: your data saves itself to a file in a folder you choose, such as OneDrive or iCloud.
• Restore points: a daily snapshot plus one before every import or reset.
• Optional AES-256 encryption with auto-lock, and one tap to hide every amount.
• No server and no account. isendi never receives your data.

Built to keep working

Floatline is a finished product that runs entirely in your browser. There is no server to shut down and no subscription to lapse, so the version you buy keeps working for years. Public holidays and tax due dates are calculated for every future year, and the interest rates used for late-payment claims are shown with their date so you can update them yourself.

What you get

• isendi Floatline 2.0.1 Business: one app file for Chrome, Edge, Safari or Firefox, as an instant download
• Quick Start Guides in English and German, so you can set up in about 15 minutes on your own
• Practice files: bank statements (CSV and CAMT.053), e-invoices (XRechnung and ZUGFeRD) and an invoice list
• Your licence code as proof of purchase

Only one company? Choose Floatline Solo (€390). Advising many clients? Choose Floatline Adviser (€2,490).

Good to know

• Built for a computer. The layout adapts to tablets and phones.
• There is no live bank connection, by design. You export a file from online banking in about a minute, and nothing leaves your device.
• Self-service: the price covers the software and guides. Calls, training and setup work are not included.
• Forecasts are estimates based on the data you enter. They are not financial, tax or legal advice.

Kurz auf Deutsch

isendi Floatline Business plant Ihre Liquidität für bis zu fünf Unternehmen: 13 Wochen taggenau und 24 Monate im Voraus. Die App liest Kontoauszüge (CSV, CAMT.053) und E-Rechnungen (XRechnung, ZUGFeRD), kennt Steuer- und SV-Termine, bewertet Skonto, erstellt Mahnungen mit Verzugszinsen nach § 288 BGB und GiroCode und schreibt Kündigungen für Verträge. Oberfläche auf Deutsch und Englisch. Einmal zahlen, dauerhaft nutzen, kein Abo. Ihre Daten bleiben auf Ihrem Gerät.

Questions before you buy? Email asembekhajoan@gmail.com