Treasury software for retail & distribution networks
With purchasing commitments to plan and sales receipts that land out of sync, retail cash can't afford to fall behind. Agicap centralizes data from your stores, ERP and bank accounts to model your future cash flows and anticipate your cash needs day by day.
Why retail cash is harder to predict
In retail, you pay for inventory months before it sells, and the money comes back in pieces: delayed marketplace payouts, card processor reserves, returns, and markdowns. When something shifts the timing the gap widens quickly.
Agicap gives retail finance teams a daily view of cash across stores, entities, and channels, so you can test buying decisions against your forecast before you commit.
Manage cash across your entire retail network with Agicap
Connect your stores, subsidiaries and ERPs in a single view
Agicap aggregates the accounts of all your entities through direct bank connections (Host-to-Host, SWIFT, EBICS) and syncs with your ERP through API or SFTP to centralize:
Purchase orders
Delivery notes
Supplier and customer invoices
Journal entries
Consolidate cash across your whole network and build your consolidated reporting in a few clicks.
Working capital by brand, no need to go back to Excel
Agicap allows you to monitor working capital by entity and by brand. Your electronic invoices are also updated updated continuously so you can easily see:
Customer outstanding balances
DSO
Supplier outstanding balances
DPO
Every decision in your operating cycle flows straight into your cash flow forecast
Control your purchasing commitments and optimize your payment runs
Agicap covers the full procure-to-pay cycle in a single tool:
Purchase requests checked against available cash
Orders and invoices managed with automatic matching
Secure payment execution through approval workflows and dedicated banking protocols (Host-to-Host, SWIFT in ISO 20022 format, EBICS TS)
Approve every payment based on your actual cash position and upcoming due dates
Secure your network's expansion and manage your CAPEX budgets in real time
Agicap centralizes the financial trajectory of your strategic investments:
Modeling of commitment and outflow schedules (lease commitments, construction, store build-outs).
Tracking of payment milestones for IT projects, e-commerce rebuilds and ERP rollouts.
Integration of warehouse investment schedules and automation leasing contracts.
All your debt lines in one place, from senior debt to revolving lines of credit.
Automatic matching of CAPEX outflows against loan drawdowns and grants.
Prioritize and phase your investment budgets by measuring their direct impact on your group's overall liquidity.
Cash management tailored to every retail and distribution segment
Shorten the gap between cash going out and cash coming in
You pay your vendors before your customers pay you, so the gap weighs on your cash with every order cycle. Manage your customer outstanding balances and shorten your cash conversion cycle with Agicap's automated follow-ups. Outstanding balances, vendor due dates and financing are consolidated, giving you an accurate read of your liquidity at every due date.
One source of cash data, used by every role
With Agicap, the CFO:
Steers the group's consolidated cash position in real time, across entities and currencies.
Has complete, up-to-date financial reporting to present to the executive team, the board and financing partners.
Prioritizes CAPEX outflows according to available cash and dedicated financing.
Anticipates covenant compliance and secures liquidity ratios with lenders.
More than 8,000 finance teams, including retailers, use Agicap
Backed by a
private equity fund?
See how Agicap simplifies financial reporting between portfolio companies and their investors.
Frequently asked questions Retail and distribution treasury software
Does Agicap replace my retail ERP?
No. Agicap connects to your ERP to retrieve purchase orders, invoices and journal entries, then handles what the ERP doesn't cover: your multi-bank cash position, forecasting, working capital management and payment execution.
How long does it take to connect a multi-entity network?
Direct bank connections and ERP sync are rolled out entity by entity. The Milexia group, for example (a mid-sized group with over €50M in revenue), integrates each new acquisition within six weeks.
Does Agicap handle multiple currencies?
Yes, with exposure tracking and consolidation in the group's reporting currency.
Agicap prepares international transfers in more than 80 currencies to banks in more than 130 countries.
How does Agicap actually improve working capital?
Agicap integrates with your banks, more than 400 ERPs and hundreds of other business tools (accounting software, CRM, etc.).
Does Agicap replace my inventory management tool?
No. Agicap is cash management software, not an inventory management tool: the platform doesn't manage your SKUs, inventory movements or replenishment, which stay with your ERP or warehouse management system (WMS).
Agicap translates your inventory decisions into cash. In retail and distribution, inventory is one of the biggest drains on working capital: every dollar committed to seasonal replenishment is a dollar you can no longer use to pay vendors, fund a new store or invest.
