A floor finish, in various embodiments, includes a water-based pigment dispersion and a topcoat formulation having (i) a drier-free water-based polyurethane dispersion, (ii) co-solvents in an amount chosen to achieve a cure time of the finish within a target range, (iii) a metal drier for adjusting the cure time within the target range, and (iv) a surfactant for creating a smooth and flat coating.