Agicap vs Cash4

Agicap connects banking and accounting flows for cash management, forecasting, payments, collections and bank reconciliation. It can project cash positions up to 13 weeks ahead using actual data, and bring cash flows together across banks, finance software and entities. Cash-balancing suggestions can inform transfers. The platform centralizes transactions and supports payments worldwide in any currency; receivables tools support collections, while payables tools help automate purchasing processes and control expenses. Agicap says it can match bank transactions with open invoices and trigger journal posting. Listed integrations include Oracle NetSuite, QuickBooks, Xero, SAP and Microsoft Dynamics, alongside custom API and SFTP options. A phone app includes balance and transaction views, dashboards, push notifications, approvals and reimbursements. Agicap is available on Android, iOS and web, with an API. The company is headquartered in Lyon, France, and was founded in 2016. There is no free plan; pricing is on request, with an annual offer and a 12-month minimum subscription. A 24-hour free trial is offered.

Cash4 is Treasury4’s cash management module for finance teams that need a consolidated view of cash and forecasts across bank accounts, investment accounts, entities and currencies. It aggregates demand deposits, time deposits, money market funds and fixed-income securities, with target balance thresholds for individual accounts. Forecasting uses machine-learning models trained on each customer’s historical data, and scenario planning compares manual forecasts, predictions and past actuals. Cash4 can generate direct cash-flow statements from transaction-level bank data and compare forecasts with actuals. Its transaction categorization engine applies predictive AI and configurable rules to classify operating, investing and financing activity. Connections include direct APIs and host-to-host integrations with named banks, as well as BAI2 and MT940 files; ERP integrations and structured Snowflake data with embedded Sigma analytics are also included. Entity4 integration supports account mapping for FBAR-ready reports and SOX-compliant audit trails. The cloud product also supports payment workflows and ISO 20022 files. Pricing is available on request.