Trezy
Trezy · Business
Trezy is AI cash flow software for small businesses. It links your bank accounts, sorts transactions automatically, and forecasts cash up to 12 months ahead.
About Trezy
What Is Trezy
Trezy is a financial management platform built for small teams that have no finance department. Its core job is cash flow management: you connect a bank, and the app turns raw transactions into a cash position, a profit and loss view, and a forecast you can act on. The company is based in Paris and started in 2021.
Most owners don't want another ledger. They want to know whether they can afford the next hire. Trezy answers that question with numbers pulled from your own accounts, not from a spreadsheet you update on Sunday night.
The limits are worth knowing before you commit. Bank coverage leans on European open banking, with US and Canadian institutions added through the same read-only connections, so money held elsewhere may not show up. A forecast is also only as good as the history behind it, which means a company in its first quarter gets less out of the tool than one with two years of transactions.
Getting Started
- Sign up with an email address. Paid plans open with a 7-day trial, and the free tier doesn't ask for a card.
- Connect a bank through a read-only PSD2 link. Trezy imports up to 24 months of history on its own.
- Let the AI categorize transactions, then correct the ones it gets wrong. It learns from those fixes.
- Open the cash flow view, confirm your recurring items, and read the 12 month forecast.
Product Information
A quick look at Trezy's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Founders of small companies
- Freelancers and solo consultants
- External CFOs and accountants
Tasks
- Checking runway before a hire
- Closing the month
- Chasing invoices
- Watching supplier prices
Scenarios
- A seasonal restaurant heading into a slow quarter
- An ecommerce seller with three bank accounts
- A founder preparing a loan application
Key features
Real Time Cash Position Across Banks
Trezy pulls balances and transactions from every connected account and shows one combined cash figure. It imports up to 24 months of history at connection time, so the charts carry context from day one. For a business with money split between a current account, a savings pot, and a payment processor, that single number is the whole point.
AI Cash Flow Forecasting Up to 12 Months
The model reads your past payment behavior and seasonal swings, then projects the balance forward. You can edit the forecast by hand on paid plans, which matters when you know about a contract that hasn't started billing. Accuracy improves as more of your history lands in the system.
Scenario Planning
You can build a version of the next year with a hire, a price change, or a quiet quarter and watch what each does to cash. It's the difference between arguing about a decision and looking at two lines on a chart. Every scenario sits beside your base case, so the comparison stays honest.
Live P&L and KPI Dashboard
Profit and loss, balance sheet, and more than 20 ratios recalculate as transactions arrive instead of at month end. Gross margin, EBITDA, and cash coverage sit on one screen with color coded health markers. The tradeoff is that a live figure is only as clean as your categorization, so keep an eye on uncategorized items.
Invoice OCR and Document Hub
Upload an invoice or a receipt and the OCR lifts out the vendor, amount, and date. Trezy files it, matches it to the transaction that paid it, and keeps a searchable archive. Hunting a missing receipt at tax time takes seconds rather than an afternoon.
Supplier Cost Analysis
The supplier view tracks what you pay each vendor at product level and flags price increases as they land. You see which supplier moved and by how much, which is exactly the input a renegotiation needs. The company cites 5% to 15% savings on procurement as a typical outcome for teams that act on the data.
Break Even Calculator
A separate tool lets you model fixed costs, variable costs, and price to find the revenue line where you stop losing money. It runs in the browser with no login. Handy for pricing a new service before you publish a rate card.
Pros and cons
Pros
- Setup is quick. A bank connection and a working cash view take minutes rather than a migration project.
- The free plan is genuinely usable: one bank account, transaction history, and statements with no time limit.
- Forecasting and P&L live in the same place, so you aren't reconciling two tools against each other.
- Read-only bank access means Trezy can see transactions but can't move money.
- Pricing stays low for a small company, with the Starter plan at €7.50 per month on annual billing.
Cons
- Free and Starter plans cap you at one bank account, which is tight for anyone with a savings account or a second currency.
- The Pennylane accounting integration only comes with Premium, and that plan costs more than four times the Starter rate.
- Public API documentation isn't published, so custom reporting has to run through exports or a sales conversation.
- Coverage depends on open banking, and smaller institutions in some countries aren't supported yet.
Frequently asked questions
It connects to your bank accounts, sorts transactions, and turns them into a live cash position, a P&L statement, and a 12 month forecast. Think of it as a cash flow dashboard that fills itself.
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