The UK economy continues to face challenges such as persistent inflation, fluctuating interest rates, and economic uncertainty, all of which strongly influence business decisions. In such volatile circumstances, accurate cash flow forecasting is more critical than ever. Pulse’s aiPredict module is designed to help meet these challenges proactively, enabling stakeholders to empower data-driven decisions and proactive initiatives. 

Unlike basic forecasting tools, aiPredict uses AI, ML, and advanced predictive analytics to forecast liquidity in dynamic conditions. The result: forward-looking, stress-tested forecasts that drive smarter financial decisions for businesses, banks, lenders, accountants, and borrowers. 

What is aiPredict? 

aiPredict is Pulse’s intelligent forecasting solution. It powers: 

• 12-month forecasts across Balance Sheet, P&L, and Cash Flow 
• Stress testing, custom assumptions, and what-if analysis 
• Real-time liquidity monitoring, using live data feeds to forecast real-time liquidity 

These features help users move from static spreadsheets to dynamic, predictive forecasts tailored to their operational reality. 

The Data Stack: 

Historical Data as the Forecasting Baseline
Historical data reveals patterns across: 

• Receivables and payables timing 
• Payroll, rent, and utility cycles 
• Seasonal fluctuations (e.g. in UK retail, hospitality) 
• Funding usage and capital expenditure 
• Delays in invoice payments or irregular revenue spikes 

aiPredict leverages various data and trends to establish a baseline: how the business typically behaves financially.

Real-Time Data for Dynamic Adjustments
Real-time inputs are critical for detecting changes and adapting forecasts accordingly: 

• Bank feeds and Open Banking APIs
• Debtor ageing (who’s paying late) 
• Vendor payment cycles (pressures from suppliers) 
• Live sales or cancellations
• Contract changes or renegotiations
• Macroeconomic inputs like inflation, energy costs, and FX fluctuations 

This fusion allows aiPredict to produce forecasts that update automatically when financial conditions shift, something that’s essential in today’s volatile environment. If you’d like to learn more about aiPredict, book a demo today. 

Why This Matters in the UK Context 

Complex Regulatory Landscape
UK businesses navigate VAT changes, NI contributions, energy caps, and shifting tax rates. Forecasting tools must dynamically account for these without waiting for quarterly updates. 

Persistent Late Payment Culture
The UK has long battled late payment issues. Even with the Prompt Payment Code, SMEs still face cash flow disruptions due to slow-paying customers. In such situations, using aiPredict to forecast cash flow and take pre-emptive action is essential. 

Cost Volatility
Energy price swings, FX movements, and post-Brexit supply chain pressures continue to affect UK business costs. aiPredict enables users to model scenarios and understand how these external factors can impact liquidity and financial stability. 

Demand from Lenders and Regulators
Banks and lenders increasingly require forward-looking visibility into borrower liquidity. aiPredict provides an auditable, dynamic cash flow model that supports risk analysis and regulatory expectations. 

UK’s Mature Fintech Infrastructure
Thanks to the wide adoption of Open Banking and digital accounting software (Xero, Sage, QuickBooks), aiPredict can plug into clean data pipelines with minimal friction and unlock real-time insights without heavy manual data entry. 

aiPredict: Strengths and Considerations 

aiPredict’s ability to leverage pattern identification and real-time data inputs gives it a distinct advantage over spreadsheet-based methods or rigid forecasting tools. 

Who Benefits and How

Lenders and Banks can:

• Monitor borrower liquidity pre- and post-disbursement 
• Gives lenders insight into a potential borrower’s repayment capacity beyond traditional methods 
• Automate covenant tracking and set up early warning systems for potential risk indicators

SMEs and Decision Makers can:

• Anticipate cash crunches before they occur 
• Model the impact of hiring, expansion, or margin changes 
• Replace static spreadsheets with responsive and intuitive dashboards
  

Accountants and Financial Advisors can:

• Become strategic advisors by offering situational guidance 
• Support clients in lender conversations with live cash flow forecasts 
• Strengthen trust and client retention 

If you’d like to learn more about Pulse’s solutions and how you can leverage aiPredict, depending on your requirements, contact us today. 

Best Practices for UK Businesses 

To get the most out of aiPredict, businesses and lenders should: 

• Automate data feeds via Open Banking, accounting software. 
• Analyse assumptions transparently (debtor days, seasonality, FX risks) 
• Compare forecasts to actuals regularly to refine model accuracy 
• Model external risks—like VAT hikes, energy volatility, or FX shocks 
• Align internal teams so that finance, operations, and leadership act promptly based on insights 
• Maintain audit trails, especially if forecasts inform lending or investor decisions 

Conclusion

In a world where liquidity is everything, aiPredict gives UK firms and lenders an enormous edge. Pulse’s forecasting module lets users go from putting out fires to managing their finances proactively by leveraging historical data with real-time operational inputs.

Whether you’re a small business CFO planning a recruiting round, a bank assessing a loan, or an accountant helping customers deal with inflation and changes in the law, aiPredict equips you with the insight to not only see the future but shape it.