EF-CapFlow
UK finance made simple
Manage invoices, expenses, and VAT returns with direct HMRC and Companies House integration. Built specifically for UK businesses.
What EF-CapFlow Does
Pull company data from Companies House with one click
File VAT returns directly to HMRC—you review before submitting
Create and send professional invoices in seconds
Human In The Loop—nothing is sent without your approval
See your cash position and profit margins in real-time
EF-CapFlow vs Alternatives
| Feature | EF-CapFlow | Xero | QuickBooks | FreeAgent | Sage |
|---|---|---|---|---|---|
| Price | From £99/month | From £15/month | From £12/month | From £15/month | From £14/month |
| AI-Native | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
| UK-Specific | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Suite Integration | ✅ 5 apps | Own ecosystem only | Own ecosystem only | Own ecosystem only | Own ecosystem only |
| Human-In-The-Loop | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
| Free Tier | ✅ Yes | ❌ No | ❌ No | ✅ Yes | ❌ No |
Why UK Businesses Choose EF-CapFlow
Built specifically for UK businesses with native UK compliance and integrations.
Part of the Executive Force AI
EF-CapFlow works even better with the other apps in the Executive Force AI.
Common Use Cases for EF-CapFlow
See how UK businesses put EF-CapFlow to work. Each guide walks through the problem, the steps, and the outcome.
File VAT to HMRC in 3 clicks
EF-CapFlow is HMRC MTD compliant. Reconcile, review, and submit your quarterly VAT return in three clicks. No spreadsheet bridging, no co…
Read the use case →Construction, Civil Engineering, Specialist Trades13-week cash-flow forecast for construction
Construction lives or dies on cash. EF-CapFlow builds a rolling 13-week cash-flow forecast that respects retentions, valuations, and CIS …
Read the use case →Companies House credit checks for new customers
EF-CapFlow runs a Companies House credit check on every new customer the moment they're created in EF-CRM. Stop extending credit to compa…
Read the use case →Executive Finance — UK-Native, British-Architected
A 25-minute deep-dive into EF-CapFlow — why a UK-native, British-architected finance platform beats American imports for HMRC MTD, Companies House, CIS, and Open Banking.
Frequently Asked Questions
Does EF-CapFlow support CIS (Construction Industry Scheme)?
Yes. EF-CapFlow includes full CIS support: register and verify subcontractors with HMRC, automatically calculate deductions (0% gross / 20% standard / 30% unverified), file CIS300 monthly returns, and generate payment & deduction statements. Combined with VAT MTD, invoicing, bank feeds, and AI cash flow forecasting, it's a complete construction accounting solution.
Is EF-CapFlow HMRC MTD compliant?
Yes. EF-CapFlow has production-ready HMRC Making Tax Digital integration with OAuth2 authentication, Fraud Prevention Headers, automated VAT return preparation, and one-click submission. It meets all HMRC MTD for VAT requirements.
How does EF-CapFlow compare to Xero?
EF-CapFlow is AI-native with an AI CFO agent that provides financial strategy advice. It includes deeper HMRC integration, Companies House API connectivity (REST, Streaming, and OAuth2), and integrates with 4 other business apps. Xero is more established but lacks AI-native features.
Does EF-CapFlow connect to Companies House?
Yes. EF-CapFlow has full Companies House integration including REST API for company lookups, Streaming API for real-time filings, and OAuth2 for authenticated access. Auto-fill company data, monitor filings, and verify directors.
Ready to Try EF-CapFlow?
Start your free trial today. No credit card required.