Treasury Management Solutions Compared:
Spreadsheets/MS Excel vs.TreasuryView
| Spreadsheets | TreasuryView | |
|---|---|---|
Implementation |
Immediate, cancel anytime |
Immediate, cancel anytime |
User |
All level |
All level |
Annual Cost |
Low |
High |
Tech Approach |
Installation, Self-service |
IT- project, on-prem installation |
Interfaces |
Limited |
Open-API |
Managed Services |
None |
None |
Sophistication |
Basic/Intermediate |
Basic/Intermediate |
Market Data |
Not available |
Pre-integrated |
Automation |
None |
Personal and enterprise automation |
Risk Engine |
None |
Built-in |
Spreadsheets and Excel are powerful, but are they powerful enough for SMB treasurer ?
>80% of finance and treasury teams in SMBs still use static Spreadsheets to manage their debt portfolios and hedging programs.
Considering the turbulence in financial markets and the changes in interest rates, it is quite a challenge. Spreadsheets are powerful and you can achieve a lot with them. But are they enough for your professional debt portfolio management?
As a treasurer or CFO office team member, we know you are familiar with the limitations spreadsheets have. But have you ever thought that there must be easy to use, effective and affordable solutions to stay ahead with the markets?
See also, which are the 9 hidden risks of managing debt and hedge programs in spreadsheets.
Top 3 Challenges when using Spreadsheets for the debt management
1. Time and effort you put into static Spreadsheets
Spreadsheets are static, manual and time-consuming with limited scalability.
It takes forever to have effective debt management and since the interest rate risk is significant, the data comes outdated overnight. You just waste time, money and talent over fixes.
2. Financial impact due to
lack of risk visiblity
Spreadsheets fail to record reliably transactions, track and interpret change.
“Always off” exposure and market data prevent timely strategy or risk response
3. Human errors and
people leaving
Risk visibility is compromised by #REF errors, knowledge gaps, and judgment mistakes.
Feeling proud of new macros and custom scripts that eliminate repetitive work? The harsh reality is, once your spreadsheet expert leaves the team, you’re back to square one.
- Debt management in DIY Spreadsheets takes forever
- Generating cash flows requires expert knowledge
- Planning renewals or hedging programs is a headache
- Wasting money (and time) chasing reference rate fixings
- One REF error can ruin months of work
- Data gaps and risks when an employee leaves
- Stuck with static, outdated systems
Forget treasury Spreadsheets.
Why Upgrade from Spreadsheet to Cloud-Based Debt Management Software?
6h+
freed weekly
More time for strategy, less on spreadsheets.
€100K+
loss prevented
Reduce financial risks before they hit.
90%+
automated data input
Minimize manual work, eliminate errors with automatisation.
>1 Day
to get started
TreasuryView is ready to use after after free sign up. No IT processes.
Before:
Managing debt portfolios with traditional spreadsheets can quickly become overwhelming, especially as the complexity of transactions grows.
Large Treasury Management Systems (TMS) with full ERP integration offer robust capabilities but are often out of reach for small and medium-sized businesses due to cost and complexity.
After:
Cloud-based debt management software is an affordable and powerful alternative. It makes:
- data entry easier,
- provides real-time insights into your debt portfolio, and
- tracks performance across multiple loans,
- automates your reporting tasks
With automated tools, businesses can monitor cash flow, manage risks, and make better decisions—without relying on outdated manual processes. See debt portfolio management in TreasurView.
How TreasuryView TMS benefits you ?
1. Automated debt management with
risk assessment
Automatically generate cash flows and conduct risk assessments in real-time, saving hours of manual effort while ensuring accurate data.
You avoid costly errors and stay ahead with risk tools that work 24/7.
2.Pre built board reporting templates and easy forecasting
Access clear, professional reports with pre-designed templates tailored for debt portfolios.
You can create boardroom-ready insights in minutes!
3. Reduced key person and human error risk
Team collaboration features and built-in audit trails ensure seamless knowledge sharing and reduce reliance on any single individual.
You eliminate human errors and staff turnover disruption
- Capture loans in seconds using pre-built deal templates
- Automate cash-flow generation, risk assessments, and lifecycle events
- Simplify renewals and hedging programs with automation
- Reference data updates automatically—no need for manual entry
- Reliable, market-proven calculation and reporting engine
- Reduced key person risk with auditability and team collabs
- Secured cloud access with real-time market data updates and sync
Meet your new Treasury and Debt Dashboard -
everything in one view
Why TreasuryView is the best Treasury Software after SpreadSheets?
Affordable. Designed for all the SMB finance teams in mind
All you need one platform with clear, transparent, affordable pricing with 30 day free trial.
Easy. No integration, no download, no extra trainings
Start now with self-service ease and make better decisions already tomorrow.
All you need. One platform to manage your loans and financial risks.
All the functionalities you need for foreseeing the financial risks.
"It is very intuitive tool to use with enought capabilities to get a clear understanding of your company's treasury status."
Miguel Angel V., Debt Specialist. Source: Capterra
Trusted Solution by SMB Treasury and Finance Teams
FAQ: TreasuryView vs Spreadsheets for SMB Debt and Treasury Management
How do I know if TreasuryView is right for me?
Do I need any special knowledge to start using TreasuryView?
How long it takes to implement TreasuryView?
You do not need special implementation for using TreasuryView: Simply sign up for the free trial—no credit card no software to install.
There’s no need for IT integration or a dedicated development team, as TreasuryView is designed for user success in self-service.
It operates as a standalone solution for treasurers and CFO office teams, focusing on delivering benefits directly to end users.
Is my data secured?
Do I need to involve my IT team to set TreasuryView up?
No, there’s no need to involve your IT team to start using TreasuryView.
Simply sign up, upload your data (a few clicks), and begin making better decisions without the risk of losing money. In case you get lost or stuck, contact us.
What are the main functionalities TreasuryView has?
TreasuryView :
- simplifies daily management of debt and investment products, plain vanilla and structured derivatives;
- simplifies interest rate risk and currency risks forecasting and management;
- allowing you to identify risks quickly, and
- mitigate financial losses effectively.
- allows you to leave all the Spreadsheet hassle.
Can I import my data from Spreadsheets/Excel easily to TreasuryView?
Yes, getting started and migrating data from Excel to TreasuryView is quick and painless.
TreasuryView is designed for teams who’ve managed loans and hedges in spreadsheets, so you don’t need to clean or reformat everything before importing.
We support:
- Copy-paste directly into the platform (via guided forms)
- Upload using ready-made Excel templates inside TreasuryView (see how to migrate you loan data into TreasuryView)
- Using Integrations TreasuryView have.
How does the free trial work?
How easy it is to switch from Spreadsheets, Excel to TreasuryView?
Switching from Excel to TreasuryView is easy—no IT setup needed. Simply upload a few data points, and within minutes, you’ll see the difference. You can even take it as an add on for your today´s solution.
TreasuryView is built for treasurers, not IT teams. It’s intuitive, designed for everyday use, and helps you spot risks and opportunities instantly. Try it today, and by the end of the day, you’ll already experience the benefits.
Can TreasuryView replace manual spreadsheets for loan management?
Yes, absolutely.
TreasuryView is designed for SMB finance teams that have outgrown spreadsheets and need a smarter, more reliable way to manage loans. It helps automate manual tasks, reduce errors, and gives you one clear view of your entire debt portfolio — no more digging through disconnected files.
You can try TreasuryView free for 30 days — no integration headaches.
Upload/Migrate your transaction data in just a few hours and experience how much easier it is to stay in control.
What are alternatives to spreadsheets for managing financial portfolios?
TreasuryView is for sure one of the alternatives made for finance and Treasury teams who are ready to move away from Spreadsheets.
TreasuryView:
- automates 90% of your data input
- Saves 6+h in a week
- Avoids 100 000€+ in a year
- Is ready to use after Sign up
- Drags the manual errors down to zero
- Is just 250€/month, cancel anytime
TreasuryView is often called “The 1st Treasury System after Spreadsheets”.
Why SMBs Switch from Spreadsheets?
Relying on Excel creates bottlenecks in reporting, increases error risk, and makes it difficult to manage loan portfolios when team members change or data sources evolve.
Modern treasury platforms offer secure, structured, and collaborative environments tailored to managing complex debt.
Common triggers for switching from Spreadsheets to modern TMS include:
Fragmented data across banks and entities
Lack of audit trails and version control
Difficulty managing interest rate hedges or intercompany loans
TreasuryView helps SMBs replace spreadsheets with real-time dashboards and automated reporting tools.
See more FAQ about Treasury Management System or Contact us in any questions/concerns.
