Comparison
bluprnts vs Agicap
Agicap is treasury and liquidity management software for mid-market finance teams: real-time consolidated cash across every bank account, plus modules for chasing receivables and paying suppliers. bluprnts is a forecasting tool that builds a financial model of one business from its operational drivers. These are different categories, and most buyers should be choosing between them on that basis rather than on features.
Choose Agicap if…
Pick Agicap if you are a finance or treasury function in a mid-market company, especially a group with multiple entities and many bank accounts. If your problem is knowing your true consolidated cash position today, reconciling it automatically, chasing what you are owed and controlling what you pay out, that is treasury management and bluprnts does none of it. The size threshold is real: below a certain scale this is a great deal more machinery than the problem needs.
Choose bluprnts if…
Pick bluprnts if the question is about the plan rather than the position. Modelling a business from its products, people, costs and financing to produce forecast statements, runway and breakeven, and to test decisions before taking them. It suits a smaller business, a founder or a finance lead of one company, and it works with no bank or accounting connection, which is exactly the situation a treasury platform is not designed for.
What Agicap does well
- Real-time consolidated cash across every bank account, credit line and investment, through direct bank connectivity. bluprnts has no bank connections at all, so this is not a comparison we can win or would try to.
- It goes well beyond forecasting. CashCollect chases customer receivables and Agicap Payment centralises supplier payments, so it acts on cash rather than only describing it.
- Multi-entity and intercompany handling, including reconciliation, cash pooling and netting across a group.
- Over 300 integrations, covering ERPs such as NetSuite and Microsoft Dynamics as well as the usual accounting platforms.
- Built for the mid-market treasury function, with the daily and 13-week forecasting rhythm that function actually works to.
Side by side
| bluprnts | Agicap | |
|---|---|---|
| What kind of tool it isThe most important row in this table. | Forecasting and financial modelling for one business. | Treasury and liquidity management for a mid-market finance function. |
| How the forecast is built | From operational drivers you enter. | From bank data, receivables, payables and other predictable flows. |
| Bank connectivityA treasury tool needs bank access to do its job. A planning tool does not. | Not needed. The model is built from your plan, not read from your accounts. | Direct connections for aggregation and payments. |
| Acting on cash (collections, payments)Fewer permissions to grant, and nothing that can pay the wrong invoice. | Forecasting only. Nothing in bluprnts can move your money. | Yes, through separate collections and payments modules. |
| Multi-entity and intercompany | Focused on one business, modelled in full depth. | Yes, including reconciliation, pooling and netting across a group. |
| Works before you have accounting or banking data | Yes. Build a complete forecast with nothing connected. | No. Connected sources are the input. |
| Three-way forecast from a business plan | Yes, derived from the drivers. | Forecasting is treasury-oriented, focused on liquidity rather than a modelled P&L and balance sheet. |
| Typical buyer | Founder, owner or finance lead of a single business. | Mid-market CFO or treasurer, often across a group. |
These are not really competitors#
Agicap and bluprnts both appear in searches for cash flow software, which is roughly where the overlap ends. Agicap is a treasury platform. Its purpose is to give a finance function control of the cash it actually has: where it is sitting across every account and entity, what is owed and by whom, what is going out and when. Forecasting is part of that, and it is a treasury forecast, built from banking and ledger flows on a daily and thirteen-week rhythm.
bluprnts has no bank connections, does not chase an invoice or pay a supplier, and knows nothing about your live cash position. It models the business as a set of drivers and derives what the statements would look like over the next several years. One tool manages money that exists. The other reasons about money that does not exist yet.
How to tell which problem you have#
A useful test is what you would do with a better answer. If you would move money between accounts, release a payment run, or ring a customer who is late, that is treasury and you want a treasury tool. If you would change a price, delay a hire, take a loan or decide against opening a second site, that is planning, and it needs a model of the business rather than a view of its bank accounts.
Can you want both#
In principle yes, and larger companies do run a treasury system and a planning model side by side, because they answer to different people about different horizons. If you are choosing only one, choose by horizon. Weeks and the position you hold today point to Agicap. Years and the plan you are considering point here.
Common questions
- How do I know when my business will run out of money?
Divide the cash you have by your net monthly burn — the amount that actually leaves the bank each month after receipts. That gives you your runway in months, and counting forward from today gives you the approximate date. It is a rough answer, because it assumes this month repeats forever.
A proper forecast gives you the real date, because it accounts for the things a simple average cannot: a hire starting in March, an annual insurance bill, a customer paying 60 days late, a VAT payment. In bluprnts the bank balance is projected month by month from those drivers, so the point where it crosses zero is a date on a chart rather than a division sum.
- How do I forecast cash flow if I'm not an accountant?
Build the forecast from the things you already know about your business rather than from accounting statements. You know what you sell and for how much, who is on the payroll, what your fixed costs are, and what you expect to sell next quarter. Those are the inputs. The profit and loss, balance sheet and cash flow statement are outputs — they should be calculated for you, not filled in by you.
This is what "driver-based" forecasting means, and it is the approach bluprnts takes. You describe products, people, sales, costs and financing in plain business terms, and the three financial statements, your runway and your breakeven point are derived from them.