What Tidely does

Tidely GmbH is a Munich-based fintech founded in 2021 by Niclas Storz, a former Senior Partner and Managing Director at Boston Consulting Group. The company operates a cloud-based SaaS platform for real-time liquidity management and cashflow forecasting aimed at German and Austrian small and medium-sized enterprises, startups, scale-ups, and franchise operators. Its core product automatically synchronizes bank accounts (covering 5,000+ European banks via finAPI), credit cards, and accounting/ERP systems (Lexoffice, sevDesk, Xentral, Weclapp, Microsoft Dynamics 365 Business Central, among others), and applies machine-learning-based forecasting and transaction categorization to produce rolling 13-week liquidity projections and Best/Worst/Base scenario analyses. Reported user outcomes include 51% average weekly time savings on liquidity planning and 85% trial-to-paid conversion (per a survey of 125 users).

Tidely monetizes through a four-tier subscription model — Starter at €45/month, Professional at €85/month, Business at €215/month, and Enterprise on custom pricing — with annual billing offering a 20% discount and two-year commitments a 30% discount. Distribution is hybrid: a product-led self-serve motion with a 7-day free trial (no credit card required) is combined with personalized enterprise sales handled by Senior Account Manager Frederik Schröder and Senior Sales Consultant Christopher van der Meyden, plus an affiliate partner program targeting accountants, tax advisors, and consultants. Strategic technology and co-marketing partnerships include Pleo (expense management), finAPI (BaFin-regulated banking infrastructure), and AWS Frankfurt (hosting).

The company serves 1,500+ customers across diverse verticals including e-commerce, agencies, software/IT, gastronomy, retail, healthcare, real estate, manufacturing, and pet retail. Security and compliance posture — ISO/IEC 27001:2013 certification via Sensiba, DSGVO/GDPR compliance, bank-level encryption, and German data hosting — are positioned as differentiators for risk-conscious Mittelstand buyers. The company has raised €3.5M in seed funding (March 2023, led by TX Ventures with Bayern Kapital participation) and disclosed plans for a Series A in early 2024 to support international growth.

Name

Tidely

Legal name

Tidely GmbH

Website

https://tidely.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Tidely is a Munich-based SaaS platform that provides AI-assisted real-time liquidity management, cashflow forecasting, and scenario planning for small and medium-sized enterprises, startups, and franchise operators across the DACH region, connecting 5,000+ European banks and major accounting systems.

Ownership category

akta.pro rank

Product category

Liquidity Management Software

NAICS

Software Publishers (513210), Software Publishers (5132)

SIC

Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Liquidity planning software
• Cash flow forecasting
• AI financial planning
• Treasury management software
• SME fintech SaaS

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Subscription Software Licenses: Tidely generates revenue through tiered subscription plans (Starter, Professional, Business, Enterprise) with monthly or annual billing. Annual subscriptions receive a 20% discount, and 2-year commitments receive 30% off. Revenue is recurring from active subscriptions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Tidely is a cloud-based SaaS liquidity management platform that connects to over 5,000 European bank accounts and accounting/ERP systems to provide real-time cashflow visibility for SMEs. It delivers AI-powered automated cashflow forecasting, AI-based transaction categorization, scenario planning (Best/Worst/Base Case), a 13-week rolling forecast, and one-click professional reports for banks and investors. The platform is sold via tiered subscription plans (Starter, Professional, Business, Enterprise) and is developed and hosted in Germany with ISO 27001 certification and DSGVO compliance.

Product overview

Tidely is a cloud-based SaaS liquidity management platform designed for SMEs, startups, and scale-ups. The product portfolio centers on the core Tidely Liquidity Management Platform, which is offered through four tiered subscription plans (Starter, Professional, Business, Enterprise) differentiated by the number of supported companies, users, bank accounts, and integrations. The platform's key capabilities are organized into integrated modules: AI Auto Forecast for predictive analytics, AI Transaction Categorization for automated classification, Scenario Analysis for financial simulation, Dashboard & Reporting for real-time KPIs, Multi-Bank Aggregation for connecting 5,000+ European banks, and native ERP/Accounting Integrations. Pricing ranges from €45/month (Starter) to custom Enterprise quotes. The product is developed and hosted in Germany with ISO 27001 certification and DSGVO compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Tidely Liquidity Management Platform Cloud-based SaaS platform that connects to bank accounts and accounting/ERP systems to deliver real-time cashflow visibility, AI-powered forecasting, automatic transaction categorization, scenario analysis, and professional financial reporting for SMEs, startups, and scale-ups.
• Tidely Starter Plan Entry-level subscription for freelancers and micro businesses, including 1 company, 1 user, 1 bank account, AI categorization and forecasting, 3 KPI widgets, and email support.
• Tidely Professional Plan Mid-tier subscription for startups and small businesses, including 1 company, 2 users, 5 bank accounts, 1 accounting/ERP integration, 1 API interface, live group onboarding, and email/chat support.
• Tidely Business Plan Upper-tier subscription for scale-ups and larger companies, including 3 companies, 5 users, 10 bank accounts, 3 accounting/ERP integrations, 3 API interfaces, individual 1:1 onboarding, and email/chat/phone support.
• Tidely Enterprise Plan Custom enterprise subscription for complex corporate structures and franchise groups, with unlimited companies, users, bank accounts, integrations, and API interfaces plus a personal advisor and flexible contract terms.

Quantifiable outcome

• 51% average weekly time savings for liquidity planning (based on survey of 125 Tidely users)
• +3 more outcomes

Named customers19 records

Segments10 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability3 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• Pleo TechnologiescoreStrategic or Co-development PartnerPleo simplifies expense management and Tidely complements these functions by providing comprehensive financial planning and liquidity management. The collaboration provides customers with enhanced transparency and control over their finances through integrated solutions.
• finAPIcoreTechnology or IntegrationfinAPI is a BaFin-regulated banking interface provider that enables Tidely's bank account connections. finAPI serves clients including HypoVereinsbank and DATEV, providing secure banking data access.
• LexofficecoreTechnology or IntegrationNative integration with Lexoffice accounting software, allowing automatic synchronization of accounting data with Tidely's liquidity management platform.
• sevDeskcoreTechnology or IntegrationNative integration with sevDesk accounting software for automatic data synchronization and unified financial visibility.
• XentralcoreTechnology or IntegrationNative integration with Xentral ERP system enabling comprehensive business management and financial planning capabilities.
• AWS FrankfurtcoreTechnology or IntegrationTidely's data is hosted on Amazon Web Services (AWS) data center in Frankfurt am Main, Germany, providing enterprise-grade infrastructure and security.

Scale indicators8 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Fathom: Fathom provides financial analysis, reporting, forecasting, and benchmarking for SMBs and accountants, integrating with Xero, QuickBooks, and other accounting platforms. It competes with Tidely on the financial-analysis and forecasting layer, particularly for the accountant channel.
• Agicap: Agicap is a leading European cashflow forecasting and liquidity management platform for SMBs, headquartered in France. It is the closest direct competitor to Tidely, offering bank-synced cashflow forecasting, scenario planning, and FP&A features for European SMEs.
• Float Financial: Float is a UK-based cashflow forecasting software for SMBs and accountants that connects to Xero, QuickBooks, and bank accounts. It directly overlaps Tidely's bank-synced forecasting and scenario planning proposition, with a similar SMB and accountant customer base.
• Pulse Cashflow: Pulse is a cashflow forecasting and analytics platform for SMBs and accountants, offering bank-feed-driven liquidity insights. It overlaps Tidely's bank-sync + forecast + scenario proposition with comparable target segments.
• Cashforce: Cashforce (now part of Similarweb) offers cashflow forecasting and working capital analytics for finance teams, with a comparable European SMB focus. It is a direct competitor in the AI-driven cashflow visibility and forecasting category.

Broad incumbents

• Lexoffice: Lexoffice is a major German cloud accounting SaaS for SMBs and the Haufe Group, also a current Tidely integration partner. As an incumbent in German SMB finance software, it represents both a partner and a potential competitive threat through feature expansion.
• sevDesk: sevDesk is a leading German cloud accounting platform for SMBs and freelancers, and a current integration partner of Tidely. It is a broad incumbent that could compete directly by adding native liquidity forecasting features to its accounting suite.
• HighRadius: HighRadius is a large, established AI platform for treasury, AR/AP automation, and cash management, serving mid-market and enterprise finance teams. It is a broad incumbent in the cashflow and treasury management category with deeper enterprise capability than Tidely.
• DATEV: DATEV is the dominant German tax advisor and accounting software cooperative serving Mittelstand and tax professionals. As the incumbent backbone of German SMB finance workflows, it is the most strategically important potential competitor and channel partner for Tidely.

Others

• Pleo: Pleo is a European business spending and expense management platform that is a current strategic partner of Tidely. It is thematically adjacent in SMB finance automation and represents both a distribution partner and a potential cross-sell path into broader treasury workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@tidely
• Facebookfacebook.com/Tidely-GmbH-103260908459011
• LinkedInlinkedin.com/company/tidely-gmbh
• Instagraminstagram.com/tidelygermany

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tidely