Debt Management in SMBs:
Static Spreadsheets vs TreasuryView
Spreatsheets are powerful.
But having just static information is’nt enough.
With spreadsheets you can only expect the expected.
The future requires new capabilites around “expect the unexpected”. CFOs face an financial markets environment that is becoming increasingly uncertain and complex. Changing market situations require timely risk visibility, reporting capabilities to understand which decision-paths need to be supported, and data based evidence leading to suitable risk responses.
With minimum time and mistakes. And before markets move.
Use technology to steer the business and finance.
Spreadsheets are powerful, but are they 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 way to stay ahead with the markets?
Top 3 Challenges 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It takes forever to have effective debt management and since the interest rate risk is significant, the data comes outdated overnight.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
Why to Consider Upgrade Debt management to Cloud-Based Software?
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.
Main benefits you can get from TreasuryView
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 raport
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 risk of key person dependency 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
Here´s why TreasuryView can be the best option for your 1st TMS after SpreadSheets
Affordable. Designed for all the SMB finance teams in mind
All you need one platform with clear, transparent, affordable pricing.
Easy. No integration, no download, no extra trainings
Start now with self-service ease and make better decisions tomorrow.
All you need. One platform to manage your loans and financial risks.
All the functionalities you need for foreseeing the financial risks.
See TreasuryView in Action
Ready to upgrade your debt portfolio management and treasury spreadsheets?
Get full accessibility of TreasuryView for free for 30 days. No credit card, no software to install, no personal data, full security certificates.
1. Sign up.
Enter your business e-mail to create your account.
2. Verify your e-mail.
Check your inbox for the verification code and confirm your email address
3. Access TreasuryView.
Once verified, enjoy full access to explore TreasuryView.
4. Explore and Learn.
Discover TreasuryView on your own, watch demos, or book a call with our team for guided support.
Trusted by treasurer and finance teams
Frequently Asked Questions: Using TreasuryView for Currency Risk 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;
- 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 easily to TreasuryView?
How does the free trial work?
Upgrade your Spreadsheets Debt Portfolio management with system
created for SMB treasury teams
Know your data is accurate and up-to-date—always.