Lunos launches free cash forecasts based on how customers actually pay

Lunos founder and CEO Duncan Barrigan launched a free cash-flow forecasting product on Tuesday that connects directly to QuickBooks, NetSuite or Xero and models when individual customers are likely to pay, the New York fintech said in its September 22nd announcement. The standalone product is generally available and lets finance teams upload accounts receivable data, accounts payable data and a bank statement, and change assumptions with plain-English prompts such as "Salesforce renews in December" or "Acme churns at the end of Q3." Lunos has not published an independent accuracy benchmark, forecast-error rate or comparison against due-date forecasts, and the launch materials do not specify how much payment history is required before the model can produce a useful customer-level estimate.

Lunos launches free cash forecasts based on how customers actually pay Duncan Barrigan is extending Lunos from invoice chasing into cash planning, with live accounting data and plain-English scenarios. By RuntimeWire Staff https://runtimewire.com/author/runtimewire-staff · Published Primary source: PR Newswire https://www.prnewswire.com/news-releases/lunos-launches-free-cash-flow-forecasting-with-live-accounting-data-and-customizable-scenarios-302885592.html Why it matters Lunos is using a free forecast as the front door to its paid receivables agents. The strategic value depends on whether customer payment history produces forecasts finance teams can trust, a result Lunos has not independently benchmarked. Lunos https://www.lunos.ai/?ref=runtimewire founder and CEO Duncan Barrigan https://www.linkedin.com/in/duncanbarrigan?ref=runtimewire launched a free cash-flow forecasting product on Tuesday that connects directly to accounting systems and models when individual customers are likely to pay. The New York fintech said in its September 22nd announcement https://www.prnewswire.com/news-releases/lunos-launches-free-cash-flow-forecasting-with-live-accounting-data-and-customizable-scenarios-302885592.html?ref=runtimewire that the standalone product is generally available for businesses using QuickBooks, NetSuite or Xero. Finance teams can also upload accounts receivable data, accounts payable data and a bank statement to build a forecast. Users can change assumptions with prompts such as "Salesforce renews in December," "Acme churns at the end of Q3," or "Model two engineers starting in October." Lunos says the forecast remains synchronized with the underlying accounting data and can be shared with executives, finance staff and board members. The launch moves Barrigan beyond automating the work of collecting invoices and into the decisions that depend on those collections: hiring, spending and fundraising. It also creates a free entry point to Lunos' broader paid receivables platform, which handles customer follow-ups, payment promises, invoice questions, portal uploads and cash application. From chasing cash to predicting it Barrigan founded Lunos in 2024 after nearly a decade at GoCardless https://pulse2.com/lunos-ai-profile-duncan-barrigan-interview/?ref=runtimewire , where he rose to chief product officer. He has said he helped scale the payments business from less than $1 million in annual recurring revenue to above $150 million. That experience shaped his view that late B2B payments persist after improvements in payment infrastructure because the difficult work happens before money moves. Finance teams must find the right contact, resolve invoice questions, negotiate timing and follow up on promises. Barrigan has consistently described receivables as a communication and negotiation problem. "At GoCardless I spent years helping businesses get paid, but when you're in a box handling the payments you can't solve the whole problem," Barrigan said in a recent interview with Cherry Ventures https://cherry.vc/news/cherry-in-conversation-dinika-mahtani-interviews-lunos-ceo-duncan-barrigan?ref=runtimewire . The forecasting product applies that thesis to a finance team's expected cash position. Standard forecasts often begin with invoice due dates. Lunos says its model instead considers how each customer has historically behaved, including whether a customer typically pays late and by how many days. That distinction is central to the product and remains a company assertion. Lunos has not published an independent accuracy benchmark, forecast-error rate or comparison against due-date forecasts. The launch materials also do not specify how much payment history is required before the model can produce a useful customer-level estimate. Lunos lets users compare the previous month's forecast with the actual result, which should give finance teams a direct way to judge the model over time. The product page says each forecast number shows its supporting work, an important requirement for a tool that could influence hiring or financing decisions. Free forecasting is a distribution bet Barrigan said Lunos made the product free because businesses should have an accessible way to understand their cash position. Free access also gives Lunos a practical route into finance departments before asking them to hand collections work to an autonomous agent. The connection between the two products is explicit. Lunos uses the payment prediction engine from its accounts receivable agent to forecast incoming cash. Its forecasting product page https://www.lunos.ai/cash-flow-forecast?ref=runtimewire then invites users to activate the receivables product so Lunos can work outstanding invoices toward the forecast. That creates a clear expansion path. A finance team can begin by connecting accounting data, checking the forecast and testing scenarios. Lunos can later sell automation that sends collection messages, manages customer replies, finds contacts, tracks payment commitments and escalates exceptions. Lunos' timing also reflects a wider push to replace manually maintained finance models with software that can interpret questions and update assumptions conversationally. Cash-first products such as Float, Dryrun, Jirav and Cash Flow Frog already connect to accounting platforms and offer scenario planning. Accounts receivable products including Tesorio and Upflow use payment behavior to estimate collections. The newer AI finance products are expanding the scope. cfo.ai launched Ari on September 10th https://www.prnewswire.com/news-releases/cfoai-launches-an-ai-cfo-built-for-founders-302875320.html?ref=runtimewire , connecting accounting, payroll, banking, payments and customer systems to maintain financial models and analyze hiring plans, cash and variances. Lunos is taking a narrower route built around the data it already collects while managing receivables. That focus may help Lunos produce better estimates of incoming payments, though the product still has to account for payroll, supplier bills, taxes and other cash movements to serve as a full business forecast. The ability to import accounts payable data and bank statements addresses that requirement at launch. Barrigan's larger payments bet Lunos publicly launched in September 2025 with a $5 million pre-seed round https://www.prnewswire.com/news-releases/lunos-ai-is-on-a-mission-to-tame-the-wild-west-of-accounts-receivable-302569847.html?ref=runtimewire co-led by General Catalyst https://www.generalcatalyst.com/?ref=runtimewire and Cherry Ventures https://cherry.vc/?ref=runtimewire . Barrigan described receivables as the starting point for a network in which AI agents eventually negotiate invoices, disputes and payment timing on behalf of businesses. Forecasting gives Lunos another piece of that loop. The receivables agent observes payment behavior and attempts to collect cash. The forecasting product converts those observations into an expected cash position. Shared data could improve both products if Lunos can demonstrate that the predictions remain reliable as customer behavior, contracts and business conditions change. For now, Lunos is asking finance teams to start with a familiar problem: the spreadsheet forecast that goes stale as soon as a large customer pays late or a hiring plan moves. Barrigan's wager is that a useful free forecast will earn enough trust for those teams to let Lunos act on the numbers next.