Agicap

Agicap is a European cash-flow management platform, founded in Lyon, that gives businesses a live view of their cash position and tools to forecast where it is heading. It connects to company bank accounts, categorises inflows and outflows, and turns that data into rolling forecasts, budget-versus-actual tracking and scenario planning. Over time it has expanded beyond monitoring into adjacent territory such as receivables follow-up, supplier payment management and cash-flow consolidation across multiple entities, positioning itself as a treasury workspace for organisations too small for enterprise treasury systems.

Agicap primarily targets established SMBs and mid-market companies with a finance function - a CFO, finance manager or office manager who owns cash - and businesses with several bank accounts or legal entities that have outgrown spreadsheet-based forecasting. Its sales process is demo-led and its configuration options reflect that mid-market orientation: powerful for a structured finance team, heavier than necessary for a solo founder.

Key features

• Bank synchronisation: automatic import of transactions from connected bank accounts across multiple banks.
• Cash-flow monitoring: a consolidated, categorised view of money in and out, updated from bank activity.
• Forecasting: rolling cash forecasts built from historicals, budgets and expected receivables and payables.
• Scenario planning: model hires, investments or downturns and compare their cash impact.
• Multi-entity consolidation: aggregate cash positions and forecasts across subsidiaries and currencies.
• Receivables and payables tools: chase late payments and manage supplier payment timing from the same platform.
• Custom reporting: dashboards and exports for sharing the cash position with management, boards and lenders.

How it fits an SMB finance stack

Agicap sits on top of the banking layer rather than replacing the accounting ledger: the books stay in the accounting software, while Agicap reads bank activity to answer the forward-looking questions accounting cannot - how much cash is there across all accounts today, and what will the position look like in three or six months under different assumptions. In a mid-market stack it typically serves the finance team as the treasury cockpit, feeding board reporting and financing conversations, while day-to-day bookkeeping and compliance continue in the ledger and payments continue through the bank. Companies with several subsidiaries or bank relationships tend to get the most out of it, since consolidation is where spreadsheets break down first.

Agicap operates in the same category as Trezy: both connect to bank accounts to deliver cash visibility and forecasting for European businesses. The practical differences lie in target company size, depth of treasury features, onboarding weight and pricing approach - Agicap leans towards larger, multi-entity organisations with a dedicated finance function, while lighter tools aim to make the same visibility accessible to smaller teams without an implementation project. For a side-by-side look at how the two platforms compare on features, fit and cost, see Trezy vs Agicap.