Cash flow for SMEs: the comparison of our Fractional CFOs
A profitable business may experience cash flow stress. The choice of a forecasting tool must be based on the deadlines, accounts and scenarios to be followed.
Understanding Cash Flow before choosing the connections and scenarios of your tool.
Quick verdict (30 seconds)
Agicap is the undisputed leader for French startups and SMEs (2-100 M€ turnover). As soon as you have 3 bank accounts, a line of credit, and 13-week forecasts, Agicap becomes essential.
Comparison of tools
| Criterion | |||
|---|---|---|---|
| Target size | — | — | — |
| Implementation | — | — | — |
| Price | — | — | — |
Detailed comparison table
Comparison criterion by criterion to frame your needs and prepare a demonstration.
| Criterion | Agicap | Okimia (ex-Fygr) | Kyriba |
|---|---|---|---|
| Connected banks | To check | According to formula | To check |
| Forecast horizon | 12-52 weeks | 13 weeks | 52+ weeks |
| Scenarios | Unlimited | According to formula | Unlimited |
| Budget vs reality | ✓ | ✓ | ✓ |
| Multi-currency | ✓ | According to formula | ✓ advanced |
| API | ✓ | According to formula | ✓ |
| Support | Phone + chat | According to formula | Account manager |
| Pricing Basis | On quote | According to formula and commitment | Quote to request |
| Implementation | 2 weeks | 1-2 days | 8-16 weeks |
Our recommendation by profile
Which tool to choose depending on your stage of growth and your activity.
Profile
Seed (<20 people, 1-2 banks)
Recommendation
Okimia (ex-Fygr)
Why
Test banking connections and forecasting on your data; compare Okimia (formerly Fygr) formulas.
Profile
Series A/B (20-100 people)
Recommendation
Agicap
Why
Multi-banks, complex scenarios, predictive alerts — essential to anticipate the lifting.
Profile
International multi-currency
Recommendation
Agicap Pro
Why
Advanced multi-currency + intercos + subsidiaries — European coverage.
Profile
ETI / Large group (>100M€ turnover)
Recommendation
Kyriba
Why
Professional Treasury desk, FX hedging, ERP integration — overkill for SMEs.
Detailed analysis by tool
Agicap
SMEs and startups Series A/B (10-100 people)
✓ Advantages
- +Smooth Cash Flow Forecast
- +Excellent banking integration
- +Scenarios and cash alerts
- +Responsive French support
✗ Limitations
- −Not suitable for professional treasury desk
- −Overkill for seed stage
Okimia (ex-Fygr)
Seed/early stage with tight budget
✓ Advantages
- +Lighter and cheaper
- +Simple to set up
✗ Limitations
- −Fewer features
- −Less predictive data
Kyriba
Very large structures (100+ M€ turnover)
✓ Advantages
- +Robustness for large volumes
- +Advanced features
✗ Limitations
- −Overkill for SMEs
- −Costly to implement
Decision criteria
Number of bank accounts and currencies
Need forecast (13 weeks)
Complexity of the group (intercos, lines of credit)
Transaction volume
Let's talk about your project
Tell us your priority, situation and timeline. The first conversation helps define the scope and next steps.