finban
Liquidity planning, cash flow forecasting and contract management. Scenario planning for runway visibility.
Disclosure
Finance Stacks is operated by finban GmbH. As a neutral platform, we treat all tools equally – no one gets preferential treatment, not even our own products. Learn more
Features
- ✓Bank sync
- ✓Cash flow forecasting
- ✓Scenario planning
- ✓Runway tracking
- ✓Multi-account
- ✓Contract management
- ✓Deadline tracking
- ✓Recurring payment planning
Pros
- Purpose-built for liquidity
- Visual scenarios
- German bank support
- Contract cost tracking
Cons
- Focused tool (not full accounting)
Integrations
Connection Types
11 known connections
Best For
About finban
finban addresses one of the most critical challenges facing growing German businesses: understanding and predicting cash flow. While accounting software tells you what happened, finban focuses on what will happen—providing the forward-looking visibility essential for business planning and survival. The platform connects to German banks including Deutsche Bank, Sparkassen, and Volksbanken, automatically importing transaction data and enabling you to categorize and project future cash positions. The scenario planning features are particularly valuable, allowing you to model different business outcomes and understand their impact on runway. For startups preparing for fundraising, finban helps demonstrate financial sophistication to investors and clearly shows how long the company can operate under different conditions. The visual approach to cash flow makes complex financial concepts accessible to non-finance founders. While finban doesn't replace accounting software—you'll still need lexoffice or similar for compliance—it fills a critical gap in the German business software ecosystem by providing purpose-built liquidity planning tools.
Pricing Models
- Starter: €29/month for single entity planning
- Professional: €59/month with advanced scenario modeling
- Enterprise: €99/month for multi-company/group management
- Annual billing offers 20% discount
Cash Flow Forecasting and Visibility
finban's core strength is forward-looking cash position prediction. Connect your German bank accounts, and finban automatically categorizes incoming and outgoing cash, identifies patterns, and projects future balances. You see not just today's balance but what your account will look like in 3, 6, and 12 months based on current trends. This visibility is transformational for planning hiring, purchases, and growth initiatives.
Scenario Planning Features
- Model different growth scenarios (conservative, expected, optimistic)
- Adjust revenue projections and see runway impact instantly
- Simulate expense changes and hiring decisions
- Compare multiple scenarios side-by-side
- Export scenarios for board meetings and investor presentations
German Bank Integration
- Deutsche Bank, Sparkasse, Volksbank, Commerzbank support
- Qonto integration for modern neobank users
- Secure OAuth connection (no password sharing)
- Daily automatic transaction imports
- Multi-account and multi-currency handling
Fundraising and Investor Communications
For startups preparing for Series A or B fundraising, finban demonstrates financial sophistication and runway visibility to investors. The visual cash flow projections and scenario analyses communicate your understanding of unit economics and capital requirements better than any spreadsheet. You can show investors multiple scenarios and explain how different growth rates affect your funding needs.
Comparison with Agicap
finban and Agicap are both excellent cash flow planning tools. Agicap has stronger invoice and invoice-based forecasting, broader bank connectivity globally. finban specializes in German bank integration and startup-friendly scenario planning. For German startups, finban's focus on growth scenarios and runway tracking makes it the more relevant choice.
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