Agicap
Cash flow management platform for SMBs.
About Agicap
Agicap pulls live bank balances across multiple accounts and entities into a single cash position view, updated daily without manual exports. Bookkeepers and finance managers at SMBs with 10-200 employees use it to replace the spreadsheet-based cash flow tracking that breaks down once a business runs more than two or three bank accounts. It connects directly to bank feeds via banking APIs and syncs transaction data from QuickBooks, Xero, and Sage, so actuals post against your forecast automatically rather than requiring weekly reconciliation by hand. The scenario planning module lets you model a slow-sales quarter, an early supplier payment, or a credit line drawdown side by side. That makes it genuinely useful for seasonal businesses and companies managing growth capital, not just a prettier version of the cash flow report already sitting in your accounting software. The tool fits best when you are managing cash across multiple legal entities or bank accounts and your current accounting software cash flow report is not cutting it. It does not replace your general ledger — it sits on top of it. Firms that need a full AP/AR workflow tool will find Agicap redundant with their existing stack. If your business runs through a single bank account and one entity, the price is hard to justify.
Best for
SMBs wanting real-time cash flow visibility and forecasting across multiple bank accounts
Key Features
- Real-time cash flow forecasting
- Multi-scenario planning and analysis
- Automated bank connectivity and synchronization
- Multi-entity treasury management
- Cash position optimization
Pros & Cons
Pros
- Direct banking API connectivity updates cash positions daily without manual CSV imports or copy-paste from online banking portals
- Multi-entity treasury view consolidates cash across separate legal entities into one dashboard, a feature most SMB accounting tools do not offer natively
- Scenario planning compares multiple named forecasts simultaneously, for example best case versus delayed receivables versus drawn credit line, rather than just a single projection
- Syncs actuals from QuickBooks, Xero, and Sage automatically so forecast versus actual variance is visible without a separate reconciliation step
- Useful for seasonal businesses that need to model cash gaps two to four months out before committing to inventory or headcount decisions
- Replaces the fragile multi-tab cash flow spreadsheet that breaks when a new bank account or entity is added to the business
Cons
- No free tier and no self-serve trial — you have to go through a sales demo before seeing the product, which makes evaluation slow
- Pricing is quote-based and scales with the number of entities and bank connections, so costs can rise faster than expected as a business grows
- Does not manage AP or AR workflows, meaning staff still need a separate tool for invoice approval and payment runs
- If your business already uses a mid-market ERP with a treasury module, Agicap's functionality overlaps heavily and the integration adds complexity rather than removing it
- Smaller user community than QuickBooks or Xero means fewer third-party tutorials, accountant forums, or pre-built templates to draw on
- Forecast accuracy depends on clean categorization rules — businesses with inconsistent transaction descriptions will spend significant setup time building and maintaining mapping rules
Ledger Brief Take
Bridges the gap between basic accounting software cash flow reports and enterprise treasury systems, with genuine multi-bank connectivity that many SMB-focused tools still lack. The scenario planning capabilities go beyond simple projections to model different business outcomes, making this particularly valuable for seasonal businesses or those managing growth capital.
Frequently Asked Questions
Common questions accountants ask about Agicap.
How does Agicap pricing work and is there a free plan?
Agicap does not publish list prices and does not offer a free plan or self-serve trial. Pricing is quote-based and varies by number of entities, bank connections, and users. You need to book a demo to get a number. Budget for a four-figure annual subscription at minimum for a single-entity SMB.
Does Agicap integrate with QuickBooks and Xero?
Yes. Agicap connects to QuickBooks, Xero, and Sage to pull actuals into your cash flow forecast automatically. Transactions post against forecast categories based on mapping rules you configure during setup. The sync runs daily. It does not write data back to your accounting software.
How does Agicap compare to Float or Pulse for cash flow forecasting?
Float and Pulse are lighter tools that layer forecasting on top of a single QuickBooks or Xero file. Agicap is built for businesses running multiple bank accounts or legal entities and includes direct banking API connections rather than relying solely on accounting software data. Agicap costs more and takes longer to set up, but handles multi-entity treasury consolidation that Float and Pulse do not.
Is Agicap secure enough for sharing bank credentials or connecting live accounts?
Agicap uses banking API connections, which means read-only OAuth-based access rather than storing bank login credentials. Data is encrypted in transit and at rest. The platform is SOC 2 compliant. You should confirm current certification status directly with Agicap before connecting accounts, particularly for clients in regulated industries.
What size business is Agicap actually built for?
Agicap works best for SMBs with 10 to 200 employees running multiple bank accounts, multiple entities, or both. A single-entity business with one bank account will find the cost hard to justify. Businesses approaching the size where they need a treasury system but cannot afford enterprise ERP treasury modules are the clearest fit.
Can accountants or bookkeepers use Agicap to manage cash flow for multiple clients?
Agicap is structured around individual business accounts rather than an accountant multi-client portal. It is not designed for a bookkeeping firm managing ten separate clients the way QuickBooks Online Accountant or Xero HQ are. It works best when implemented inside a single business, sometimes with an accountant or CFO as a user alongside the owner.