Cash and liquidity management tools are essential since they provide solutions to managing and planning cashflow — a pillar to any business’s financial health.
Tidely and Agicap are two popular cash flow management solutions, especially in the German market, with similarities but also unique differences.
Which one might work better for you?
Let’s dive in and see who the winner is in the Tidely vs. Agicap duel.
Tidely: Overview
Tidely is a cash flow management tool that helps you take control of your financial health by providing insight into your cash flow dynamics.
Thus, it provides features and functionalities for better liquidity management and planning, as well as reporting tools.
Tidely also has rich integrations with over 5,000 banks, credit card providers, EBICS accounts, and ERP and accounting systems.
In addition, you can also use open API and Zapier connection for more flexible and personalized integration with multiple apps.
Tidely: Key Features
Tidely’s overall features aim to help you achieve better control over your cash flow and improve financial management.
1. Liquidity Overview and Control
Tidely’s liquidity management tools provide real-time financial monitoring thanks to integration possibilities with accounting and bank systems.
💰 Furthermore, you’ll get access to a centralized dashboard that includes all relevant KPIs and the following categories:
- Cash burn rate
- Runway
- Outstanding receivables and payables
- Top 5 categories
- Overview of all bank accounts, etc.
You can filter all key figures by bank accounts and companies.
💰 In addition, with Tidely, you can identify and get a better grasp of deviations from your financial plan because you can generate detailed performance reports with PLAN vs. ACTUAL comparisons.
This way, you can take preventive actions and avoid bottlenecks.
💰 Tidely also automatically categorizes recurring deposits and withdrawals so you can track cash outflows more easily.
You can also create your own categories and categorization rules.
2. Liquidity Planning & Scenario Analysis
Tidely allows you to recognize future liquidity gaps and optimal investment timings with dynamic scenario planning and sensitivity analyses with AI-based forecasts.
It provides real-time liquidity reports and intelligent planning templates so you can estimate potential cash surpluses or shortages, and their impact.
You can input budget values in each category and see how they will affect your liquidity.
Furthermore, cash flow graphs help you visualize future projections and get a detailed insight into all planned transactions within categories.
Thus, you can simulate the financial impact of your decisions and create multiple scenarios.
3. Analysis & Reporting
This set of tools enables you to analyze your cash flow in detail, create customized reports, and export them in Excel or PDF formats.
Thus, you can create daily, monthly, and annual reports to keep track of your liquidity at any time.
4. Transactions and Invoice Management
You can categorize and automatically sync all your transactions and invoices by connecting your bank accounts and ERP systems.
Tidely updates invoice status daily, thus providing real-time insight and overview of outstanding receivables and payables.
5. Team & Company Management
The system enables you to centralize the overview of your company, including subsidiaries and franchise branches.
Therefore, you can view data from multiple sources and companies together and summarize the cash flow instead of analyzing it individually.
Moreover, you can also control and manage your team members’ access and determine who gets to see specific data.
Pricing
Tidely offers 4 Premium Plans, starting from €55 monthly. You can also try Tidely for free for 7 days after a short demo.
Tidely: Scoreboard
Based on our evaluation, this is how Tidely stands regarding Ease of use, Features, Customer Service, and Value for money.
Agicap: Overview
Agicap is a financial management tool for small and medium-sized enterprises that helps them manage their cash flow effectively.
It provides the necessary tools and insights to help you make informed financial decisions, track cash flow, and optimize budgeting processes.
Regarding integrations, it provides a variety of them, spanning:
- Bank accounts,
- ERPs and Accounting,
- Payment,
- Spend and Invoice management,
- File storage, and
- Spreadsheets.
Agicap: Key Features
Agicap’s main focus is on broad integration with other systems and tools and detailed cash flow modeling.
1. Cash Flow Management
You can connect and sync your bank accounts from more than 3000 banks for centralized cash management.
💰 Furthermore, the system allows you to define your coming and outgoing payment categories, and set categorization rules.
Thus, you can monitor and drill down cash positions to entity, category, or transaction levels for further analysis.
In addition, Agicap's AI-based system can also automatically categorize all your banking transactions.
💰 Since all your transactions, excess cash, bank fees, loans, credit lines, etc., are centralized, you can see them in a single dashboard for easier management.
💰 Like Tidely, Agicap allows you to compare Actual vs. Budget and check their variance to monitor your cash position in real time to adjust your forecasts.
Moreover, you can set your forecasted budgets for each category of receipts and disbursements.
2. Liquidity Planning & Scenario Analysis
Agicap provides tools for both short-term and long-term projections and allows you to:
- Combine banking aggregation with forecasting data from AP/AR and other predictable flows.
- Leverage cash position anticipation at the group level to optimize cash allocation with cash pooling and supplier payment campaigns.
- Extend the visibility period with a 13-week forecast to anticipate financing needs.
- Convert your P&L into a cash flow forecast.
- Automatically calculate future interests of fixed and variable rates loans and input them into your cash flow forecast.
Thanks to combining historical data and all relevant data sources at all levels, you can create multiple scenarios to analyze the impact of your decisions and future transactions.
3. Cash Collection
Agicap lets you speed up cash collections by automating customer reminders and centralizing them, as well as notes and call reports, in a single interface.
You can also:
- Synchronize your invoices to monitor your outstanding amounts and ageing balance in real time.
- Detect the main payment delays and take action.
- Create customized follow-up templates.
- Monitor the improvement of your payment times and optimize your WCR
- Analyze your indicators by the customer, type of account, or salesperson and automate your reporting.
4. Reporting & Analysis
Agicap has rich reporting capabilities that enable you to create comprehensive reports on the banking pool, cash burn and runway, variance analysis, indebtedness, investments, etc.
Moreover, you can automate weekly, monthly, or quarterly reporting for your management team.
Pricing
Agicap has custom pricing, so you can get a quote depending on your business information and challenges.
Agicap: Scoreboard
Let’s see how Agicap stands regarding Ease of use, Features, Customer Service, and Value for money.
Tidely vs. Agicap: Which One Should You Choose?
Both Tidely and Agicap provide tools to streamline liquidity management. Nonetheless, like with all similar tools, it’s the little details that set them apart.
Tidely seems to be more user-friendly and with the focus on collaborative features, whereas Agicap places more emphasis on deep integrations and more in-depth and versatile analysis.
However, another tool is a worthy alternative to both Tidely and Agicap because it provides what neither tool does — loan possibilities.
Enter, Puls Project! 🚀
Puls Project — A Robust Alternative to Tidely and Agicap
Puls Project is a cash flow management tool that provides solutions to SMBs and helps you:
- Manage,
- Monitor and track finances,
- Forecast, and
- Enhance your credit limit.
Therefore, its key solutions are based on 3 core functionalities: Multibanking, Loan possibilities, and Cash flow management and planning.
✨ Multibanking features allow you to:
- Manage all bank accounts and companies in a centralized place for easier oversight and control.
- Connect your bank account with more than 4000 German banks.
- Group, categorize and label financial activities and transactions based on projects, departments, etc., for better expense tracking and spending optimization.
- Analyze profitability over any time period by label, category, counterparty, company, or account.
- Manage invoice payments efficiently, and maintain a clear history of payments in a single view.
✨ Loan Capabilities can provide you with up to €100,000 for 12 months within 48 hours based on group level.
- Enhance your credit limit by securely connecting all your bank accounts thanks to finAP, the GDPR-compliant service provider.
- The more you use our system to manage your finances, the better we understand your business needs, leading to an automatic credit limit increase based on regular income and expense planning.
✨ Cash flow management and planning tools provide accurate and up-to-date data for making business decisions and better control of your cash flow.
- Centralize financial management and track balances and spending across different accounts and companies.
- Manage your financial operations without needing to switch between different banking platforms.
- Input your regular monthly expenses once, and we will automatically display it the next month.
- Monitor your cash flow and get alerts the moment we spot a cash gap, so you can take actions.
Ready to dig in deeper?
Sign up with Puls to improve planning by aligning your financial goals with your cash flow reality.
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Top 5 Agicap Alternatives to Consider
