FlowGuard is a digital cash flow assistant from FlowGuard AB, designed for Swedish small and medium-sized businesses. It helps business owners move beyond historical accounting reports to understand their future liquidity and act before financial pressure becomes a crisis. Connecting to accounting systems such as Fortnox and Spiris, FlowGuard analyzes invoices, balances, payment patterns, and fixed costs to produce cash flow forecasts for 30, 60, and 90 days ahead.

The service highlights upcoming liquidity risks, estimates how soon a business may face a shortfall, and identifies contributing factors such as VAT payments, loan repayments, large invoices, or late customer payments. It also recommends practical next steps, including following up on overdue invoices, and lets users send reminders, export data, or simulate scenarios. FlowGuard Insight provides root-cause analysis, while its AI-powered Digital CFO explains results and offers advice based on company data; forecasts and figures are calculated deterministically, not generated by AI.