Treasury software for retail & distribution networks
With purchasing commitments to plan and takings that land out of step, retail cash can't afford to fall behind. Agicap centralises data from your stores, ERP and bank accounts to model your future cash flows and anticipate your cash needs day by day.
What makes retail cash management different
UK net working capital days have risen by 48% since 2015, the steepest increase PwC measured, driven by a build-up of inventory and, more recently, shorter supplier payment terms (PwC Working Capital Study 25/26, October 2025). With a 60-day cap on payment terms planned from 2027 at the earliest, stretching your own suppliers will get harder still.
How much longer can your cash keep funding everyone else's?
Manage cash across your entire retail network with Agicap
Connect your stores, subsidiaries and ERPs in a single view
Agicap consolidates the accounts of all your entities through direct bank connections (Host-to-Host, SWIFT, EBICS) and syncs with your ERP ( via API, SFTP) to centralise :
Purchase orders
Delivery notes
Supplier and customer invoices
Journal entries
Consolidate cash across your whole network and build your group 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 continuously:
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 optimise 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 centralises the financial trajectory of your strategic investments:
Modelling of commitment and outflow schedules (lease premiums, building works, store fit-outs).
Tracking of payment milestones for IT projects, e-commerce rebuilds and ERP roll-outs.
Integration of warehouse investment schedules and automation leasing contracts.
All your debt lines in one place, from senior debt to RCFs.
Automatic matching of CAPEX outflows against loan drawdowns and grants.
Prioritise 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 suppliers 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 reminders. Outstanding balances, supplier 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 committee, the board and financing partners.
Prioritises 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
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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, stock movements or replenishment, which stay with your ERP or warehouse management system (WMS).
Agicap translates your stock decisions into cash. In retail and distribution, stock is one of the biggest drains on working capital: every pound committed to seasonal replenishment is a pound you can no longer use to pay suppliers, fund a new store or invest.
