Agicap is cash forecasting software for SMBs and mid-market companies that connects banking and accounting flows to manage day-to-day cash, with over 8,000 customers in 12 countries and an office in Barcelona. Fibady is FP&A software for groups with several entities, with automatic consolidation from the ERP, an AI agent and per-company pricing. Both tools touch cash flow; they differ in scope (cash versus full financial statements), in how they are implemented and in how they are priced.
Comparison
| Fibady | Agicap | |
|---|---|---|
| Who it is for | Groups of 2–60 entities in Spain and LATAM; in-house or fractional CFO | Finance teams, CFOs and treasurers at SMBs and mid-market companies; over 8,000 customers in 12 European countries |
| Price and model | $200 per entity per month with all modules and unlimited users; 5M AI tokens per month included | Not published. Annual subscription with a 12-month minimum; free trial; payment by SEPA direct debit or card |
| Multi-entity consolidation | Native: different charts and dual currency; intercompany accounts, or entries tagged as intercompany, are left out of the group total | Cash consolidation and cash pooling; "consolidated view of all entities and the holding", multi-entity and multi-currency. Intercompany eliminations on P&L and balance sheet: not published |
| Spain and LATAM ERPs | 25+ ERPs, with a live API for Odoo, Holded, Tango, SOS Contador and EternumPRO. If your ERP has no connector, you export the journal to Excel and Fibady adapts it, or you use the API | "300+ integrations" (English site) and "more than 400 ERPs" (Spanish site); names SAP, Sage XRT, Microsoft Dynamics and Oracle. Connects to thousands of European banks via Open Banking. Holded, Odoo, A3 and LATAM ERPs do not appear on the pages reviewed |
| Implementation | 1–4 h per entity; no mandatory consulting | Not published. Offers a free trial before subscribing |
| AI | Fibady Agents on real data: a virtual CFO routes each question to specialists, who operate the platform under permissions. MCP connector for ChatGPT, Claude and Gemini. Executive reports to Word and PDF | "Agicap AI": bank reconciliation with AI-powered checks, cash forecasting and receivables control |
| Direct cash flow and financing | Yes, with advances and credit lines | Its core: cash forecasting and treasury management on real-time bank transactions. Advances and credit lines within the projection: not published |
| Language and support | Interface in 10 languages, including Spanish, English and Portuguese; founder-led support | Website and product in Spanish; offices in Barcelona and London; 12 countries in Europe. Support model: not published |
| Where Agicap wins | Daily treasury: mass bank connectivity via Open Banking, cash pooling, receivables and payments. If your pain is today's cash rather than the month-end close, Agicap is built for that |
When to choose Fibady
When you need the P&L, balance sheet and cash flow of each entity and of the group, consolidated from the ERP, and not only the cash position. When your entities run Odoo, Holded, A3 or Latin American ERPs and you want budget vs actual and a drafted board report. When you prefer to pay per entity with unlimited users and be live in hours. And when you want, in the same platform, plan vs. actual management control, a Control Center that checks each month before you present it, Commercial analysis of sales and purchasing, and headcount planning with People.
When to choose Agicap
When your priority is operational treasury: seeing every bank in real time, reconciling, chasing receivables and planning payments week by week. When your ERP is among those Agicap connects and P&L and balance sheet reporting is already solved elsewhere.
Sources: https://agicap.com/en/, https://agicap.com/es/, https://agicap.com/en/pricing/, https://agicap.com/es/precios/.
Comparison updated on 3 September 2026.