Flowify connects to your business bank account and your POS, reads every sale and every dollar in real time, and automatically sets aside exactly what you need for payroll, taxes, bills, and inventory — every single day. Your profit stays in your account. When something is due, the cash is already waiting in the right place.
Set up free in under 10 minutes. No card required to explore.
Your Bank
We track every dollar
Your POS
We sense every sale
Flowify
Daily Allocation Engine
Reads your bank + POS daily, then allocates every dollar automatically
Payroll
Always ready before payday
Taxes
Set aside automatically
Bills
Paid the day they're due
Reorders
Stock is always funded
Savings
Build reserves automatically
Your Profit
Stays in your operating account
Every dollar is automatically assigned, protected, and used exactly how it should be.
Each Smart Node is a real, FDIC-insured account opened in your business's name through our partner bank. Every day, Flowify moves the right amount from your operating account into each one. What's left over is your profit — untouched.
We move money in daily. By payday, the full amount is already there.
Tax % auto-transferred from every sale. Filing day, just send it.
Rent, utilities, subscriptions — pre-funded before they hit.
A reorder budget that grows automatically with every sale.
Want to stash a slice of profit? Set a %, we'll move it. Otherwise, profit stays in your operating account.
"Money comes in. Expenses get pre-funded.
Whatever's left is yours — and it never leaves your account."
Without Flowify
With Flowify
Flowify isn't a tracker or a report. It plugs into your bank and your POS, reads what came in, and actually moves your cash into the right accounts so bills, payroll, and taxes are funded before they're due.
Link your POS and your business bank account. Takes about 5 minutes.
Flowify pulls every sale from your POS and every dollar from your bank, calculates exactly what each bucket needs, and transfers it into the right Smart Node account.
When payroll, rent, or taxes are due, the money is already sitting in the dedicated account, ready to send.
You're not reacting to expenses anymore. You're prepared for them automatically.
Most cash-flow tools assume you have one bank account, one location, and one person doing the books. Flowify ships with everything below included — no upgrades, no add-ons.
Connect Lightspeed Retail or eCom and Flowify pulls every sale, product, and tax line automatically. Your tax bucket funds itself from real receipts — not estimates.
Run more than one store? Tag bills, payroll, and POS outlets to each location. See exactly what every store costs to operate every month.
Tell us if you file monthly, quarterly, semi-annually, or annually — Flowify averages your last few cycles into a monthly reserve so the number on your dashboard matches what you'll actually owe.
Loans, insurance, software, and other company-level bills now live in their own bucket so they never inflate any single store's cost line.
Hand a manager view-only access to one Smart Node, or give your bookkeeper spend permission on bills. Every invite is scoped to exactly what they need.
Flowify scans your bank activity and surfaces every recurring vendor — rent, utilities, software — so you can confirm in one click instead of typing them in.
Every plan includes all of the above. No upgrades, no add-ons.
Actual ACH movement between your accounts — not just labels in an app.
Smart Node accounts are held at our partner bank, in your business's name, fully FDIC-insured.
Connect your bank and POS, set your splits, and you're done.
Common questions
Straight answers about banking, transfers, and control.
In real, FDIC-insured bank accounts in your business's name. When you sign up, Flowify opens a set of Smart Node accounts for you through our partner bank — they're legally yours, not ours. Flowify never owns or pools your funds; we just act as the smart layer that moves money between your main account and your Nodes based on the rules you set.
Never. Flowify only moves money to fund the obligations you've set up — payroll, taxes, bills, inventory. Whatever's left is your profit, and it stays right where it is in your operating account. The only exception is Savings, which is fully optional — if you want to stash a slice of profit, you tell us the percentage and we'll move it. Otherwise we don't touch it.
Yes. Each Smart Node is a real, FDIC-insured account opened in your business's name through our partner bank. You can view balances, see every transaction, and pay bills directly from each one — just like any normal business account.
Once a day, Flowify reads your bank deposits and POS sales, calculates how much each Node needs based on your rules, then initiates ACH transfers from your operating account into each Smart Node. Your profit is never part of that math — it simply stays in your operating account.
It's your money — move it whenever you want. Every Smart Node supports manual transfers in or out, and you can pause or change your allocation rules at any time. Flowify never locks anything.
Yes. Each Smart Node has its own routing and account numbers. Hook up your payroll provider to the Payroll Node, set your tax authority to pull from the Tax Node, and pay vendors from the Bills Node. Money is always pre-funded and ready.
No. Your existing business bank stays exactly as it is — that's your operating account and the source for daily transfers. The Smart Nodes are additional accounts we open for you at our partner bank, on top of what you already have.
Lightspeed Retail and Lightspeed eCom are fully wired in — we pull every sale, product, and tax line automatically so your tax bucket and inventory budget fund themselves from real receipts. More POS providers are on the way; if you're on something else, let us know and we'll prioritize it.
Flowify is built for it. Tag bills, payroll, and POS outlets to each store and you'll see exactly what every location costs to operate every month — without splitting up the underlying bank accounts. Company-wide bills like loans and insurance live in their own bucket so they never inflate any single store's number.
Yes. Invite anyone on your team and scope their access to specific Smart Nodes — view-only for a manager who just needs visibility, spend permission for a bookkeeper paying bills. They never see the rest of your finances unless you give them access.