LiveFlow

LiveFlow is a New York-headquartered financial software company that operates two product lines. Flow is described as an agentic accounting platform and AI-native ERP that closes books, reconciles accounts, manages accounts receivable and drafts journal entries across multiple entities in real time. LiveFlow FP&A automates consolidation, reporting and budgeting on top of a customer's existing ERP, and includes consolidation, dashboards, FinanceIQ, and add-ins for Google Sheets and Excel.

Flow's architecture is built around a set of specialized agents coordinated by an Orchestrator that routes work and escalates items requiring human judgment: a Bill Handler for bills and vendor payments, a Categorizer for transaction coding, a Reconciler for book-to-bank matching, a Closer for close review and anomaly detection, a Reporter for consolidations, eliminations and multi-currency reports, an AR Clerk for invoicing and collections follow-up, and a Consolidator for entity structure and intercompany handling. The product emphasizes intercompany workflows, shared accounts, eliminations, unlimited tags and dimensions, flexible real-time reporting, and rapid migration of full transactional history in contrast to multi-month traditional ERP implementations.

The company markets to physical, multi-location and multi-entity businesses, with industry pages for construction (job costing and multi-project), healthcare (multi-location clinics), food and beverage, retail, technology, franchises and private equity. Y Combinator's profile describes LiveFlow as a unified AI-ERP and FP&A platform serving more than 6,000 businesses with a team size of 51.

Founding story

LiveFlow was founded in 2021 by Lasse Kalkar and Anita Koimur, who met in the fintech sector: Kalkar was previously Head of Growth, Nordics at Revolut and had earlier worked at Nova Founders Capital and built a micro-investing app, while Koimur, LiveFlow's COO, ran business development for Revolut Rewards and led its product rollout across thirteen markets in EMEA, the United States and APAC. The company joined Y Combinator's Winter 2021 batch, with Nicolas Dessaigne as primary partner.

Business model

LiveFlow sells subscription software to businesses and accounting firms, offering two product lines: Flow, an AI-native ERP and agentic accounting platform positioned as a replacement for QuickBooks Online and an alternative to NetSuite, and LiveFlow FP&A, which layers consolidation, dashboards, reporting and budgeting on a customer's existing ERP, with spreadsheet add-ins for Google Sheets and Excel. Prospects are directed to a pricing page and a demo booking flow. In the payments/data-access chain, LiveFlow acts as an agent of Plaid Financial Ltd., an authorized payment institution regulated by the UK Financial Conduct Authority, which provides regulated account information services through LiveFlow.

Software sold to businesses and accounting firms across two product lines, Flow (agentic accounting/AI-native ERP) and LiveFlow FP&A, with a published pricing page and sales conducted via booked demos.

Traction

Y Combinator's profile lists LiveFlow as active with a team size of 51 and states it serves more than 6,000 businesses. The company reports customers including accounting firms BDO and KLR and brands such as Wendy's and Crumbl Cookies, and disclosed a $3.5 million seed round in 2021 and a $13.5 million Series A led by Valar Ventures announced in 2024.

Latest developments

In February 2026 LiveFlow introduced Flow, an AI-native ERP for established businesses with complex operations, marketed as the start of "agentic accounting" and built by the team behind the company's FP&A product. The site promotes a 2026 "Finance in the AI Era" report, advertises SOC 2 Type II compliance, and highlights a native integration with Ramp. The company continues to hire senior full-stack engineers in London, New York and San Francisco.