TreasuryView differs from enterprise TMS solutions by being lightweight, affordable, and purpose-built for SMBs and mid-sized companies.

Enterprise TMS platforms are often complex, expensive, and require long IT projects, while TreasuryView delivers a cloud-based, subscription model that sets up in minutes and focuses on debt, hedges, and FX risk. It gives finance teams a single source of truth without the heavy IT, steep learning curves, or high licensing fees of legacy systems.

Key differences with legacy TMS:

• Implementation: Minutes vs. months of IT projects
• Cost model: Transparent subscription vs. large upfront licenses
• Focus: Debt & risk management vs. broad, complex treasury coverage
• User base: Lean finance teams vs. large, specialist treasury departments

Enterprise TMS solutions are often too much for SMBs because they are built for large corporates with complex global operations.

They come with heavy implementation projects, expensive licensing, and modules (like payments hubs or bank connectivity) that smaller finance teams rarely use.

For SMBs managing €10–500M in debt, this scope is overkill, leading to high costs, long lead times, and unused features.

Key reasons they’re “too much”:

• Implementation: Months of IT projects vs. same-day setup
• Cost: Large upfront + ongoing fees vs. transparent subscriptions
• Complexity: Requires dedicated treasury staff vs. lean finance teams
• Relevance: Covers global cash/FX networks SMBs don’t need
• Support: tickets and training vs human support always available to call

Read more: Do SMB Finance teams need enterprise TMS?

No, TreasuryView does not cover all the same features as enterprise TMS – and that is intentional.

Enterprise TMS platforms offer broad coverage, including liquidity, payments, and global bank connectivity, while TreasuryView focuses on the essentials for SMBs: debt management, intercompany loans, hedges, and FX risk/interest rate risk. This makes system lighter, faster to implement, and more cost-effective.

Key focus areas of TreasuryView SMB treasury management:

• Centralized debt and hedges management
• Automated interest, amortization, and reporting
• Scenario modeling for refinancing and risk

• FX exposure tracking for SMEs

TreasuryView does not have:

• On site software install
• Liquidity management
• Cash management
• Payment management
• Accounting Software

Clear overview about TreasuryView functionality

TreasuryView is best suited for SMBs, SMEs, and public sector entities managing €10–500M in debt who need clarity and automation without heavy IT.

It’s designed for lean finance teams, often just 1–5 people, who want to move beyond Excel but don’t need the full scope or complexity of enterprise TMS platforms.

Most of TreasuryView clients today are from industries, such as:

• Commercial real estate with complex financing structures
• Municipalities and public sector needing audit-ready reporting
• Storages with heavy lending portfolio
• Manufacturing and mid-sized corporates managing loans and FX risks
• Growing SMBs moving from spreadsheets to automation

If your company outgrows the typical SMB size, TreasuryView can still scale with you by adding users, legal entities, and integrations as your portfolio grows – we have different plans.

The platform is designed to handle complex debt structures, hedges, and multi-entity operations without requiring a full enterprise TMS. Only if your needs expand into global cash management, payment factories, or highly specialized treasury functions would you consider having extras from enterprise add on (talk with our customer support to have them according to your need) or consider larger TMS. 

Scalability highlights with TreasuryView:

• Flexible subscription with extra users/entities
• API integrations with ERP and finance systems
• Support for multi-currency, multi-entity portfolios
• Advanced risk analytics and scenario modeling
• Entreprise add one functionality – contact to ask more info and agree timeline/conditions.