Agicap is a capable platform — but its custom pricing, sales-led onboarding and mid-market focus don't fit every business. Here are six alternatives compared on pricing, forecasting and setup time, starting with the one built for smaller teams.
Agicap targets mid-market companies — typically 50 to 500 employees with revenue above €10M — and offers a comprehensive treasury platform: three integrated modules (CashFlow, CashCollect, Payment), native multi-entity management, 300+ connected banks and 150+ ERP integrations. For that audience, it's a serious product.
The friction appears when smaller businesses evaluate it. Agicap uses custom pricing that typically starts at €3,000+ per year (and can reach €9,000+ depending on company size), and you have to contact sales to get a quote — there's no public price list. Onboarding usually takes 2 to 4 weeks with dedicated support, which is valuable for enterprise clients but adds complexity and delay for a small team that just wants to see its cash position this week.
In short: while Agicap is a capable enterprise solution, many small and medium businesses find it overcomplicated and overpriced for their needs. If that's where you've landed, the six alternatives below cover the spectrum — from self-serve, AI-driven tools with public pricing to other sales-led mid-market platforms. For a deeper head-to-head, see our full Trezy vs Agicap comparison.
As you read, keep four criteria in mind. Pricing transparency: can you see the price before a sales call, and is there a free plan or trial to test with real data? Setup time: minutes of self-serve onboarding, or weeks of guided implementation? Automation: does the tool categorize transactions and build forecasts itself, or do you maintain rules by hand? And bank coverage: does it connect to every account your business actually holds, in every country you operate? Each review below addresses all four.
Ranked with SMBs in mind: pricing transparency, setup time, and how much of the work the software does for you.
Trezy is the natural first stop for businesses that find Agicap too heavy. It's built for SMBs with 1–50 employees and revenue under €10M — exactly the segment Agicap's enterprise model underserves. Where Agicap sells through demos and quotes, Trezy is self-serve: setup takes about 5 minutes, and every price is public.
Once your accounts are connected — Trezy supports 2,000+ bank connections across Europe, the US and Canada, all read-only — the AI takes over. It recognizes 68 million suppliers, categorizes transactions into 400+ categories with 95.69% accuracy, and generates AI-powered cash flow forecasts 12 months ahead from your real data. It also flags supplier price increases before they eat into your margins, and connects to QuickBooks Online and Pennylane for accounting context. See all connections on the integrations page.
Compare it directly with Agicap in our detailed comparison, or check Trezy pricing.
Fygr is a French cash flow tool that, unlike Agicap, publishes its pricing: plans run €69–104 per month (€828–1,248 per year), with some features costing extra. That makes it far more accessible than Agicap's €3,000+ entry point, though still up to nine times the cost of Trezy's plans (€0–390/year).
The trade-off is automation. Fygr relies more on manual input and rule-based projections: transactions need manual categorization, and setup involves hours of configuration rather than minutes. It offers strong manual controls and connects to 200+ banks, so it suits finance-minded owners who want to steer every rule themselves. See our Trezy vs Fygr comparison for the feature-by-feature breakdown, or the full list of Fygr alternatives.
Qotid is another France-focused option with public pricing: its Pro plan costs €588 per year, and it includes purchase management features alongside cash flow tracking. It supports 200+ French banks and offers a 15-day free trial — longer than most in this list.
Its limits are geographic and linguistic: the product is French-only, which rules it out for international teams or foreign bank accounts, and its auto-categorization is more basic with fewer categories. Users also report lag when building long-term forecasts. A solid choice if you operate exclusively in France; see how it stacks up in Trezy vs Qotid.
Tidely sits in the same category Agicap does: a comprehensive platform aimed at mid-market companies with more complex needs. Like Agicap, it uses custom pricing starting around €3,000+ per year — you contact sales for a quote — and onboarding typically takes 2–4 weeks with dedicated support.
That makes Tidely less an escape from Agicap's model than a sideways move within it. It's worth a look if your issue with Agicap is fit rather than the sales-led approach itself. Our Trezy vs Tidely comparison covers the differences for SMB buyers.
Commitly targets larger enterprises with complex multi-entity structures. Pricing is custom and starts at €3,000+ per year, quoted after a personalized demo, and implementation follows the familiar enterprise pattern: a longer onboarding process with dedicated support — valuable for enterprise clients, heavier than most SMBs need.
If you're leaving Agicap because your group structure outgrew it, Commitly belongs on your shortlist. If you're leaving because of cost and complexity, it likely reproduces both. Details in Trezy vs Commitly.
Zenfirst rounds out the list as another comprehensive, demo-led platform for mid-market companies. As with Agicap, expect custom pricing (typically €3,000+ per year) obtained by contacting sales, and a 2–4 week guided setup rather than a self-serve start.
For SMBs, the calculus mirrors the other enterprise options here: strong platform, but the pricing model and onboarding weight are the very things that push smaller teams away from Agicap in the first place. See Trezy vs Zenfirst for the comparison.
The essentials: what each tool costs, how you buy it, and who it's really built for.
| Tool | Pricing | How you buy | Free plan / trial | Best for |
|---|---|---|---|---|
| Trezy | Free plan; €90–390/year (from €7.50/mo) | Self-serve, public pricing | Free plan + 7-day trial, no card | SMBs, 1–50 employees |
| Fygr | €828–1,248/year (€69–104/mo), some features extra | Public pricing, demo available | Personalized demo | Hands-on manual control |
| Qotid | €588/year (Pro) | Public pricing | 15-day free trial | French-only businesses |
| Tidely | Custom, from ~€3,000+/year | Contact sales | Personalized demo | Mid-market |
| Commitly | Custom, from ~€3,000+/year | Contact sales | Personalized demo | Multi-entity mid-market |
| Zenfirst | Custom, from ~€3,000+/year | Contact sales | Personalized demo | Mid-market |
Pricing as stated on our individual comparison pages. Agicap®, Fygr®, Qotid® and other marks belong to their respective owners. For the broader market view, see our 2026 cash flow software ranking.
The quick verdict: the table really describes two markets. Trezy, Fygr and Qotid sell software you can price, try and set up yourself, from €0 to about €1,248 per year. Tidely, Commitly and Zenfirst — like Agicap itself — sell a sales-led platform from roughly €3,000 per year with weeks of guided onboarding. If you're reading an "Agicap alternatives" page because of the quote you received or the demo process, the first group is where your answer lives; and within it, only Trezy pairs SMB pricing with AI that does the categorization and forecasting for you.
Start with company size. The clearest dividing line in this list is who the tool is built for. Trezy targets SMBs with 1–50 employees and revenue under €10M; Agicap, Tidely, Commitly and Zenfirst target 50–500 employee companies with revenue above €10M. Buying an enterprise treasury platform for a 10-person business means paying for multi-entity consolidation and ERP integrations you'll never use.
Then check the pricing model. If you want to know the cost before talking to anyone, that narrows the field to Trezy (€0–390/year, all public), Qotid (€588/year) and Fygr (€828–1,248/year). The rest quote after a demo, typically from €3,000+ per year.
Then weigh automation against control. Trezy's approach is AI-first: automatic categorization at 95.69% accuracy and 12-month forecasts generated from your bank data with no rule-building. Fygr's is manual-first: rule-based projections you configure and maintain yourself. Both are legitimate philosophies — the question is whether you want to spend hours on setup and upkeep or minutes.
Finally, plan the migration. Leaving Agicap doesn't mean losing your history. With Trezy you can import data via Excel, CSV or API — or simply reconnect your banks and let Trezy pull up to 24 months of transaction history automatically, categorized by AI from day one. Our step-by-step guide to switching from Agicap walks through the whole process.
Agicap targets mid-market companies (roughly 50–500 employees) and uses custom pricing that typically starts at €3,000+ per year, with quotes available only through sales calls. Onboarding usually takes 2–4 weeks with dedicated support. Smaller businesses often find that combination overcomplicated and overpriced for their needs, which is why many look for lighter, transparently priced alternatives.
Trezy is the most affordable option in this comparison. It has a free forever plan, and paid plans start at €7.50 per month (€90 per year), with Premium at €390 per year. All pricing is public — see the pricing page — so there are no sales calls required to find out what you'd pay.
Yes. With Trezy, you can import data via Excel, CSV, or API. In practice most teams simply reconnect their bank accounts: Trezy pulls up to 24 months of transaction history automatically and its AI categorizes everything, so your forecasts start from real data without a manual migration project. Our switching from Agicap guide covers it step by step.
For SMBs with roughly 1–50 employees, Trezy is the strongest fit in this list: setup takes about 5 minutes, AI handles categorization and 12-month forecasting automatically, and there's a free plan to start with. Fygr and Qotid also serve smaller businesses, while Tidely, Commitly and Zenfirst position closer to the mid-market, sales-led model Agicap uses.
Some do. Trezy offers a 7-day free trial with no credit card required, plus a free forever plan. Qotid offers a 15-day free trial. Fygr, Tidely, Commitly and Zenfirst are demo-led: you book a personalized demo with their sales teams rather than starting a self-serve trial.
Connect your banks in about 5 minutes, start free, and upgrade from €7.50/month only if you need to.