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 sole traders and 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
12-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
5 of 6 categories on track
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 |
| Total Cash Out | -£21,700 | -£20,300 | -£21,800 | -£5,500 | -£5,600 | -£5,300 |
| Net Cash Flow | -£3,500 | -£3,500 | -£4,400 | -£1,400 | -£1,500 | +£1,800 |
| Closing Balance | £38,500 | £35,200 | £31,800 | £30,400 | £28,900 | £27,100 |
Cash projected to drop below £20,000 threshold in week 10. 3 overdue invoices totalling £8,400 — recommend chasing today.
| CFO Pal | Agicap | |
|---|---|---|
| Target audience | UK sole traders and SMEs (0–50 employees) | Mid-market companies (50–5,000 employees) |
| Price | From £49/month | From £3,000+/year (custom pricing) |
| 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 | Demo only |
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's pricing starts at approximately £3,000 per year with custom quotes based on the number of entities and bank accounts. 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 £3,000+ per year for a treasury system, 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 £49 per month with a 14-day free trial.
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.
Try CFO Pal free for 14 days
Connect your Xero, QuickBooks, or Sage account and see your financial position in minutes. No card required.
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