Agicap vs CFO Pal
Agicap and CFO Pal both help businesses manage cashflow, but they serve very different audiences. Agicap is built for mid-market companies with complex treasury needs. CFO Pal is built for UK SMEs who need a virtual CFO at a fraction of the cost.
Good morning, Sarah
Kew Facilities Ltd · Financial Year 2025/26 · Mar 2026
Revenue
£17.4k
+3.6%
Direct Costs
£6.9k
-2.1%
Gross Profit
£10.5k
60.3%
Overheads
£7.9k
+4.7%
Net Profit
£2.6k
14.9%
Cash
£31.8k
+£2.4k
Income vs Spending
Top Overheads
Cash Forecast
Cashflow Forecast
13-week rolling forecast with budget tracking
Current Cash
£31,800
Apr 26
Cash In vs Out
-£3,400
spent more than received
Budget Pace
1 over pace
3 of 6 on track, 2 in caution
Spend vs Budget
£27,220 / £27,500
£280 underCash Flow Overview
| Period | Jan | Feb | Mar | W/C 14 Apr | W/C 21 Apr | W/C 28 Apr |
|---|---|---|---|---|---|---|
| Opening Balance | £42,000 | £38,500 | £35,200 | £31,800 | £30,400 | £28,900 |
| Revenue | £18,200 | £16,800 | £17,400 | £4,100 | £4,100 | £4,100 |
| Staff Costs | £9k | £9k | £9k | £2k | £2k | £2k |
| Facilities & IT | £3k | £3k | £3k | £711 | £711 | £711 |
| Marketing & Sales | £1k | £2k | £3k | £415 | £415 | £415 |
| Cost of Sales | £8k | £6k | £6k | £2k | £2k | £3k |
| Total Cash Out | -£21,700 | -£20,100 | -£20,800 | -£5,500 | -£5,600 | -£5,900 |
| Net Cash Flow | -£3,500 | -£3,300 | -£3,400 | -£1,400 | -£1,500 | -£1,800 |
| Closing Balance | £38,500 | £35,200 | £31,800 | £30,400 | £28,900 | £27,100 |
Cash projected to fall from £31,800 to £16,500 by W/C 30 Jun.
| CFO Pal | Agicap | |
|---|---|---|
| Target audience | UK SMEs (0 to 50 employees) | Finance and treasury teams; its own quote form offers turnover bands from under £1M to over £600M |
| Price | From £199/month + VAT | Not published. Its pricing page is a quote form asking for your bank accounts, turnover and integrations |
| Cashflow forecasting | ✓ | ✓ |
| P&L and financial reports | ✓ | Limited |
| Proactive weekly alerts | ✓ Email, SMS, WhatsApp | ✗ |
| Budget vs actuals tracking | ✓ | ✓ |
| Management accounts PDF | ✓ Auto-generated | ✗ |
| AI-written commentary | ✓ | ✗ |
| Multi-entity / multi-currency | ✗ | ✓ |
| Payment automation | ✗ | ✓ |
| Xero / QuickBooks / Sage | ✓ All three | ✓ ERP integrations |
| Free trial | ✓ 14 days, no card | Short free trial, with a guided walkthrough |
Agicap features and pricing read from agicap.com on 21 October 2026, including its pricing page, which publishes no price. Agicap does not publish a rate card, so check agicap.com for the current position.
When Agicap is the right choice
Agicap is a powerful treasury management platform designed for mid-market and enterprise companies. If your business has multiple entities, operates across currencies, needs payment automation, or manages complex debt and investment portfolios, Agicap is built for that level of complexity. It integrates with ERPs and offers group-wide cash consolidation that CFO Pal does not.
The trade-off is cost and complexity. Agicap does not publish a price: its pricing page is a quote form asking how many bank accounts you hold, your turnover band and which systems you need connected. Implementation typically involves onboarding support and configuration. It is a serious financial tool for serious financial teams.
When CFO Pal is the right choice
CFO Pal is built for the UK businesses that Agicap was not designed to serve: sole traders, freelancers, and SMEs with fewer than 50 employees. These businesses need financial clarity but cannot justify a treasury system quoted on bank-account count, and they do not have a finance team to operate one.
CFO Pal connects to Xero, QuickBooks, or Sage and delivers the financial oversight a CFO would provide: P&L reports, cashflow forecasting, budget tracking, management accounts, and proactive weekly alerts. The key difference is that CFO Pal pushes insights to you by email, SMS, or WhatsApp without you needing to log in. It costs £199 per month + VAT with a 14-day free trial, and there is no implementation project. You connect your accounting software and the first analysis arrives the same day.
The bottom line
If you are a mid-market company with a finance team and complex treasury needs, Agicap is the more appropriate tool. If you are a UK sole trader or SME that needs a virtual CFO watching your numbers at a price that makes sense, CFO Pal was built specifically for you.
Whichever tool you compare it to
What CFO Pal does differently
Set Agicap aside for a moment. Five things are true of CFO Pal against every product on this list, and each one is enforced by a test in our own code rather than by a sentence on a page.
It only ever reads. We connect to Xero, QuickBooks or Sage and never write anything back. Our job is interpretation, not bookkeeping, so there is nothing we could break in your ledger.
The AI is not allowed to do arithmetic. Every figure it quotes is calculated first from your accounting data and handed to the model as fact. An answer containing a monetary figure that is not already in that data fails our test suite.
If the numbers do not reconcile, it says nothing. Before any AI output is written, we check that the balance sheet balances, that the profit and loss agrees with the ledger, and that cash bridges from one month to the next. If a check fails, the model is not called and you are told why, rather than handed a confident figure that is wrong.
It starts the conversation. A written brief lands every Monday and an alert arrives the day something moves, whether or not you log in. A dashboard waits to be opened. A finance director does not.
Xero, QuickBooks and Sage are treated the same. Every check runs on every platform, so a business with two companies on two systems, or a firm with a mixed client base, gets one way of working.
The live demo
Don't take our word for it. Drive it.
Quillmore Ltd is a demo company with four years of realistic books: the dashboard, the forecast, a board pack and the CFO's answers, all open to click through.
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