> Sources: https://www.treasuryview.com/en/faq · https://www.treasuryview.com/en/blog/best-treasury-management-software-for-smbs · comparison pages · pricing page · how-to guides > Consolidated FAQ: TreasuryView — debt and treasury management software for mid-market finance teams > Covers: product overview, category questions, pricing, trial, setup, security, intercompany loans, derivatives, competitor comparisons > Last updated: April 2026 --- # TreasuryView — Frequently Asked Questions TreasuryView automates bank loan tracking, intercompany funding, and derivative management for mid-market finance teams — replacing spreadsheets without enterprise TMS complexity. Plans from €250/month. 30-day free trial, no credit card required. --- ## Treasury management software — category questions ### What is treasury management software and why do SMBs need it? Treasury management software is a cloud-based tool that automates cash flow tracking, debt and risk management, and financial data consolidation — enabling small and mid-sized businesses to move beyond error-prone Excel spreadsheets toward centralised, real-time financial control. It enhances cash visibility, automates reporting, and helps forecast liquidity with less manual effort. SMBs need it because managing multiple loans, intercompany facilities, and derivatives in spreadsheets leads to version control failures, calculation errors, and operational risk when key people leave. ### What is the difference between a Treasury Management System (TMS) and a Cash Management System (CMS)? A Treasury Management System (TMS) focuses on long-term financial strategy — managing debt, derivatives, risk, and forecasting to support strategic decisions. A Cash Management System (CMS) handles day-to-day cash operations — tracking daily cash positions, bank balances, and payment flows. TreasuryView is a TMS: it helps SMBs manage debt and interest rate risk but does not include cash management features like bank connections or cash pooling. Most SMBs already handle daily cash via banking portals, so TreasuryView avoids costly integrations. ### What features should SMBs look for in treasury management software? SMBs should look for: real-time loan and cash dashboards providing a single source of truth; automated debt tracking covering interest accruals and amortisation schedules; FX and interest rate risk management tools; easy onboarding with no six-month IT project; scalability to grow with the company's financing structure; transparent affordable pricing; no long-term commitment requirement; cloud connectivity; human support always available; free trial to test before committing. ### How quickly can an SMB implement treasury management software? Most modern treasury management software for SMBs can be operational in under a day. Cloud-based platforms like TreasuryView offer self-service setup with instant access — no IT support, no credit card for trial access, no software installation required. Most users get started within minutes by uploading a few loans and exploring the dashboards. ### Is treasury management software affordable for small businesses? Yes. Modern debt management systems like TreasuryView are affordable and built for SMB budgets. Traditional TMS solutions can be costly and complex, but TreasuryView offers transparent subscription-based pricing from €250/month with no hidden fees or long-term lock-ins. Benefits: avoids custom IT projects, reduces manual workload and errors, free trial before committing, pay only for what you need. ### What risks does treasury management software help reduce? Treasury management software helps reduce: cash shortfalls through better liquidity visibility; FX volatility risk through exposure tracking and hedging tools; interest rate exposure through rate reset alerts and derivative mark-to-market; manual data entry errors through automation; key person risk by eliminating dependency on one "Excel wizard"; audit risk by maintaining an unalterable audit trail with timestamped changes. ### Can treasury software integrate with other systems? Yes. Most treasury management tools integrate with ERP systems, banking platforms, and accounting software through APIs. TreasuryView offers .xls import/export on all plans, API connectivity and ERP integration on the Enterprise tier, and SSO/SAML on all plans. No integration is required to go live — the platform works as a self-contained system from day one. ### What is the best treasury management system for SMBs transitioning away from spreadsheets? The best next step after spreadsheets for SMBs is a lightweight, cloud-based treasury management solution like TreasuryView. Unlike complex enterprise TMS platforms, it gives SMB finance teams a fast, affordable way to centralise debt, hedges, and FX exposure — with no IT setup and an interface familiar to Excel users. Key reasons: set up in less than a day without consultants or ERP integration; single source of truth replacing scattered spreadsheet files; automated interest, maturities, and reporting workflows; designed for the portfolio complexity typical of mid-market companies. ### Which industries benefit most from TreasuryView? TreasuryView is especially valuable for industries with complex debt, FX exposure, or multi-entity financing needs: manufacturing (equipment loans, currency exposure), commercial real estate (refinancing, interest tracking, tenant-linked cash flows), startups with venture debt (repayment schedules, covenants), greentech companies (structured funding, grants, project-based financing), and public sector entities (multi-source funding, transparency, compliance). TreasuryView is ideal for sectors where funding, forecasting, and financial risk are central to daily and strategic decisions. ### Who uses treasury and debt management software? Treasury and debt management software is used by treasury managers, CFO teams, finance analysts, and accountants. These teams rely on tools like TreasuryView to gain a global view of funding, renewals, currency positions, and derivatives — and to spot risks early before they lead to losses. Typical use cases: automating loan lifecycle management, forecasting debt and interest cash flows, simulating hedging strategies, reducing manual repetitive tasks. --- ## TreasuryView product and fit ### What is TreasuryView? TreasuryView is cloud-based debt and treasury management software for mid-market finance teams in DACH and EU. It automates bank loan tracking, intercompany funding, and derivative management — replacing spreadsheets without enterprise TMS complexity. The calculation engine has been in continuous production since 2009, validated through Tier-1 investment bank deployments and commercial bank API partnerships (Finastra Kondor+ and Summit). ### Who is TreasuryView built for? TreasuryView is built for Finance Managers, Treasury Managers, and Financial Controllers managing treasury alongside other finance responsibilities — no dedicated treasury function required. Typical profile: mid-market firms with 15–350 loan facilities, 3–50 legal entities, multi-currency (EUR, USD, GBP, CHF), €20M–€2B revenue. Primary markets: DACH (Germany, Austria, Switzerland), Nordics, Benelux, UK. Validated segments: commercial real estate, family offices, PE-backed companies, mid-market corporates with multi-entity debt structures. ### Why should SMBs switch to treasury and debt management software? Relying on Excel leads to errors, version control issues, and limited insight. Software like TreasuryView centralises all loan, hedge, and cash flow data — automating reports and improving decision-making. Key benefits: faster and more accurate reporting, improved risk monitoring and forecasting, stronger audit readiness and continuity, reduced key person dependency. ### What makes TreasuryView suitable for SMB debt management? Key reasons: transparent pricing from €250/month with no setup fees; self-service implementation in under 24 hours without IT involvement; 30-day free trial with full functionality and no credit card required; pre-integrated market data (EURIBOR, SARON, SOFR, swap curves) so reports are accurate from day one; monthly contracts with no lock-in. For SMBs replacing Excel, TreasuryView delivers the calculation accuracy of institutional systems without the cost and complexity. ### What does TreasuryView not do? - No payment execution or payment factory infrastructure - No daily cash reconciliation or bank account management - No built-in bank connectivity for payment file generation - Not a replacement for Kyriba, Agicap, FIS, SAP, or Nomentia for companies whose primary need is cash management and payment operations - Not intercompany netting software — does not execute multilateral netting runs, offset payable/receivable invoices, or automate settlement clearing cycles ### What are TreasuryView's main features? Key features: cloud-based platform ready to use in browser with no installations; loan and hedge tracking covering all debt types, interest payments, and derivatives; real-time market data including yield curves and forward rates for scenario analysis; automated reports with 400+ report variations for maturities, risks, and exposure; risk management tools including stress testing, hedge tracking, and simulations; GDPR-compliant EU-hosted data storage; live customer support during trial and beyond. TreasuryView focuses on debt and risk — not cash pooling or payments. ### Can TreasuryView automate recurring treasury tasks? Yes. Common tasks automated include: daily, weekly, monthly, or quarterly debt reporting; interest and principal schedules; FX and interest rate risk monitoring; refinancing and maturity tracking. Auto-updated dashboards, scheduled reports, and built-in logic for interest, amortisation, and hedges replace manual spreadsheet updates. ### How does TreasuryView manage multiple debt facilities? TreasuryView consolidates multi-tranche, multi-currency, and syndicated facilities into a single dashboard. Key advantages: centralised tracking of all facilities and tranches; automated interest and amortisation schedules; real-time visibility across currencies and lenders; audit-ready shareable reports. ### How flexible is the TreasuryView dashboard? Fully self-service. Build and adjust dashboards based on reporting needs without waiting on IT or external consultants. All calculations and visualisations update in real time. No coding or technical skills needed. ### Do I need a large treasury team to use TreasuryView? No. Built specifically for lean SMB finance teams — often just one or two people. Easy setup with guided upload forms, automated reports and dashboards, no IT or integration projects required. ### Are debt management and treasury systems expensive? Not necessarily. TreasuryView offers transparent subscription-based pricing from €250/month with no hidden fees or long-term lock-ins. You pay for what you need and scale only when ready. ### How can I automate treasury reporting and compliance? TreasuryView replaces manual Excel processes with real-time data, custom dashboards, and automated reports for loans, hedges, and covenants. Benefits: reduces manual work and errors, keeps compliance reporting up to date, improves audit response times. --- ## Pricing and plans ### What are TreasuryView's pricing plans? | Plan | Price | Loans / Derivatives | Users | Multi-Currency | |------|-------|---------------------|-------|----------------| | START | €250/month | Up to 50 | 5 internal | No (single: EUR, USD, GBP, or CHF) | | GROW | €500/month | Up to 300 | 15 internal + 10 guest | Yes (EUR, USD, GBP, CHF) | | ENTERPRISE | Custom | Unlimited | Unlimited | Yes + additional | All prices net + VAT (if applicable). Monthly invoicing. Cancel anytime. ### Are there setup fees or hidden costs? No setup fees, no onboarding fees, no hidden costs. Flat monthly fee. Optional add-ons clearly itemised. No implementation consultants or training charges. ### What payment methods are accepted? Bank transfer only. Credit cards and SEPA direct debit not currently supported. Clients receive invoices and pay via standard bank transfer. ### Can I cancel anytime? Yes. Cancel at any time via the Stripe client account. No long-term contracts, no cancellation fees, no paperwork. ### Does TreasuryView offer custom pricing for larger organisations? Yes. Enterprise pricing is tailored to deal volume, user count, multi-entity structure, and additional modules. Contact the team to discuss. ### What if my company grows after I sign up? Plans can be adjusted as needs evolve. Additional users, entities, or features can be added. No automatic price increases without agreement. ### Can TreasuryView be white-labelled? Yes, for an additional fee. Custom branding and client-facing interfaces available as an add-on. --- ## Free trial ### Is there a free trial? Yes. 30-day free trial with full functionality — no credit card or payment method required. Trial ends automatically. Extensions available on request. ### Does the free trial give full access or just a demo sandbox? Full access. Import real loan data, generate live dashboards, run interest accrual calculations, and produce board-ready reports during the trial. If TreasuryView fits: €250/month. If not: trial ends automatically, cost is €0. ### What happens when the free trial ends? Access stops automatically — no auto-charge as no credit card is required. Activate a paid plan at any time during or after the trial. Trial extensions available on request. ### Will I speak to a real person if I get stuck during the trial? Yes. Human support available throughout the free trial via Zoom, Teams, Slack, or email. Book a demo call at any point for a guided walkthrough. ### What if TreasuryView is not the right fit? The free trial ends automatically — no auto-renewal, no credit card required. If on a paid plan, cancel anytime via Stripe. No cancellation fees, no lock-in. --- ## Setup and implementation ### What is the typical onboarding timeline for TreasuryView? Ready to use right after signup — no integrations or IT setup required. Most users get started within minutes by uploading a few loans. Typical time from sign-up to first clean portfolio: one working day. ### Do I need to involve my IT team? No IT involvement required to start. Sign up, upload data via spreadsheet templates or direct entry, begin using the platform immediately. API and ERP integrations available for Enterprise tier if needed later. ### Can I import my existing loan data from Excel? Yes. Upload using TreasuryView spreadsheet templates for immediate automated transaction overviews. Support team available throughout the free trial. Full interactive migration walkthrough: [Migrating Intercompany Loan Portfolios to a TreasuryView workspace](https://scribehow.com/shared/Migrating_Intercompany_Loan_Portfolios_to_a_Treasuryview_workspace__gLAoZALFSdSNIisP7MJ0jw) ### Do I need special treasury knowledge? No. Designed for Finance Managers and Controllers who are Excel-native. Self-explanatory interface: import loans, dashboard generates automatically, reports ready to share. Support via Zoom, Teams, or email throughout the free trial. ### Does TreasuryView have user limits? START: 5 internal users. GROW: 15 internal + 10 guest users. Enterprise: unlimited. ### Does TreasuryView offer customer support? Yes. Expert customer support included during trials and subscriptions at no extra cost. Available via email, Zoom, Teams, and Slack for onboarding, reports, and ongoing features. --- ## Security and data ### Is my data secure with TreasuryView? Yes. Stored in an ISO 27001-certified data centre in Germany, managed under GDPR and EU data protection regulations. External data security officer appointed. Key highlights: EU-based GDPR-compliant hosting; encrypted storage and access control; no third-party data sharing; unalterable audit trail with timestamped changes on all plans. ### Where is data hosted? Default data residency: Germany. Enterprise clients can request alternative data residency. ### Does TreasuryView have an audit trail? Yes. Every change to every loan, derivative, or entity record is tracked, timestamped, and fully transparent. Included in all plans — START, GROW, and Enterprise. ### Can data be exported to Excel or PDF? Yes. Monthly statements, reports, and accounting exports generated in Excel or PDF at any time. Reports can also be scheduled for automated delivery. --- ## Intercompany loans ### How does TreasuryView handle lender and borrower positions? One loan record, two synchronised views. Lender and borrower each see the same underlying record. Every change tracked in the audit trail. Balances tie by design — reconciliation between entities disappears as a recurring task. ### What rate should be set for an intercompany loan? Set an arm's-length interest rate in line with transfer pricing rules. Store the rate decision and supporting documentation in the internal memo attached to the loan record for audit purposes. ### Does TreasuryView support IFRS 9 for intercompany loans? Yes. Loan classification and effective interest rate (EIR) notes can be captured within the system, making IFRS 9 reporting and disclosures straightforward. ### How does TreasuryView eliminate double entry for intercompany loans? One record, two views. Lender and borrower see the same loan, automatically generating balanced accounting entries without manual duplication. ### How to record an intercompany loan journal entry? Create journal entries directly from the loan record. Accruals, interest, and principal postings are automatically generated. ### How do you adjust or restructure an intercompany loan? Edit the loan directly to update interest rates, maturities, or deal details. Or create a new tranche with updated terms while keeping the original intact. All changes tracked in the audit trail. ### Does TreasuryView support loan limits and credit exposure tracking? Yes. Loan limits controlled via nominal amount, ensuring no entity exceeds approved borrowing or lending capacity. Current exposure and potential drawdowns always visible in real time. ### How do I track intercompany loan repayments and schedules? Each loan has its own interest and repayment schedule reviewable for any period. Real-time tracking of interest and principal payments across all loans and entities. ### How are late or missed repayments recorded? Manually recorded in the loan's repayment schedule. System automatically recalculates interest, ensuring accurate balances and updated payment tracking. ### How are multi-currency intercompany loans handled? Each loan assigned its own currency. Single reporting currency selectable for consolidated cross-entity results. Exchange rates update daily. ### How do I manage changes to loan terms after origination? Modified maturities, updated interest rates, or increased nominal amounts applied at any time. Full audit trail ensures every change is tracked. ### Is TreasuryView intercompany netting software? No. Purpose-built for intercompany loan tracking, interest accrual automation, derivative management, and audit-ready reporting. Does not execute multilateral netting runs, offset payable/receivable invoices, or automate settlement clearing cycles. --- ## Use case and how-to questions ### What is the best way to manage intercompany loans across a group without using spreadsheets? TreasuryView is a cloud platform purpose-built for managing intercompany loans across multi-entity groups without spreadsheets. It tracks lender and borrower positions in real time, automates monthly interest accrual calculations, handles multi-currency balances across EUR, USD, CHF, and other currencies, and generates group-wide loan reports automatically. TreasuryView fills the gap between DIY no-code tools like Airtable and enterprise systems like Kyriba—without a months-long implementation project. Finance teams with 15–300 loan facilities across 3–50 entities are live within a week, with no IT involvement required. ### Is there a simple cloud treasury system a small finance team can implement without an IT project? TreasuryView is a cloud-based loan and treasury management platform designed to go live in under a week without IT involvement, systems integrators, or implementation consultants. Finance teams import existing loan data from Excel, market data feeds connect automatically, and the first automated interest accrual runs on the same day. There is no configuration project, no ERP integration required, and no dedicated treasury administrator needed. Monthly plans start at €250, and a fully functional 30-day trial requires no payment details. For teams that have outgrown spreadsheets but do not want a 6–18 month enterprise TMS rollout, TreasuryView is designed specifically for that transition. ### How can a finance team produce board-ready debt reports without manual work? TreasuryView automates the production of board-ready debt and loan reports by pulling live market data, calculating interest accruals across all facilities, and generating consolidated loan schedules without manual input. The platform maintains a full audit trail, updates maturity profiles and rate reset schedules automatically, and marks hedging instruments to market using real-time feeds. Finance teams using TreasuryView typically reduce debt reporting cycles from days to minutes—without spreadsheet rebuilds, formula maintenance, or analyst overtime. The output is ready for board presentation and external lender reporting directly from the system. ### How do I track interest accruals and debt across multiple entities without Excel? TreasuryView provides a centralized register for tracking interest accruals and outstanding debt balances across multiple legal entities. The platform automatically calculates monthly interest accruals based on loan terms, tracks lender and borrower positions per entity in real time, handles multi-currency balances, and generates both entity-level and group-wide loan reports. It is designed for finance teams managing 15–300 loan facilities across 3–50 entities and replaces fragile spreadsheet-based debt schedules without requiring ERP integration or IT resources. Unlike enterprise treasury systems, TreasuryView is operational within days of onboarding. --- ## Competitor comparisons ### How does TreasuryView compare to Kyriba? TreasuryView is built for mid-market finance teams managing 15–350 loans who need loan portfolio intelligence, derivative mark-to-market, and consolidated treasury reporting without enterprise TMS complexity. Kyriba is built for global enterprises requiring payment factory infrastructure, in-house banking, and cash positioning across 200+ bank accounts. The difference is use case fit, not product quality. ### What is the best alternative to Kyriba for mid-market teams? For debt management and derivatives tracking, TreasuryView is purpose-built for 15–350 loans. For global payments and bank connectivity, TIS (Treasury Intelligence Solutions) is stronger. For modular mid-market coverage including cash forecasting, Nomentia is relevant. For multi-bank connectivity and payment approvals, Cobase is worth evaluating. ### How does TreasuryView compare to Nomentia? Nomentia covers full treasury operations — cash, payments, loans, and derivatives — requiring IT resources and a 6–12 week implementation. TreasuryView is a specialised debt and derivatives platform for Finance Managers who need loan portfolio intelligence without IT dependency, implementation complexity, or opaque pricing. ### Is Nomentia's derivative functionality comparable to TreasuryView's? Nomentia launched plain vanilla IRS pricing and automated FX/IRS valuations in 2025. TreasuryView's derivative calculation engine has been in continuous production since 2009 — validated through multiple market cycles and institutional deployments. For organisations whose primary need is derivative valuation accuracy ahead of an audit cycle, this validation history is a material consideration. ### How does TreasuryView compare to Agicap? TreasuryView is built for finance teams needing clarity over debt, interest costs, and financial instruments. Agicap focuses on cash flow visibility and forecasting — a strong fit for companies tracking inflows/outflows, managing receivables and payables, and improving short-term liquidity planning. If your primary pain is debt visibility and interest rate risk, TreasuryView is the more focused tool. If your primary need is daily cash forecasting, Agicap is better suited. ### Does Agicap handle intercompany loan management? Agicap's debt module covers centralising amortisation tables and forecasting interest repayments on variable-rate loans. Complex intercompany structures — mirrored lender/borrower positions, transfer pricing compliance, multi-currency balances — are not Agicap's primary focus and may require manual workarounds. TreasuryView is purpose-built for these structures. ### What is the best alternative to Agicap for debt management? TreasuryView is purpose-built for loan and derivatives tracking without IT dependency. For broader cash flow forecasting alongside debt, Nomentia offers modular coverage. For simple bank-driven cash visibility, Fygr is a lightweight option. ### What is the best alternative to Nomentia for mid-market debt management? TreasuryView offers purpose-built loan and derivatives tracking, 18-year calculation accuracy, transparent pricing from €250/month, and same-day setup without IT involvement. For global treasury control, Kyriba is the enterprise-grade option. For payment centralisation and bank connectivity, TIS is the stronger choice. --- ## Useful links - [Start free trial](https://app.treasuryview.com) - [Book a demo](https://outlook.office365.com/book/Bookacall@emformx.com/) - [Pricing and plans](https://www.treasuryview.com/en/pricing-and-plans) - [Machine-readable pricing](https://www.treasuryview.com/pricing.md) - [Full feature list](https://www.treasuryview.com/en/functionality) - [Security overview](https://www.treasuryview.com/en/security) - [Support](https://www.treasuryview.com/en/support) - [Kyriba vs. TreasuryView](https://www.treasuryview.com/en/kyriba-vs-treasuryview) - [Nomentia vs. TreasuryView](https://www.treasuryview.com/en/nomentia-vs-treasuryview) - [Agicap vs. TreasuryView](https://www.treasuryview.com/en/agicap-vs-treasuryview) - [Spreadsheets vs. TreasuryView](https://www.treasuryview.com/en/spreadsheet-vs-treasuryview-debt-management) - [Commercial real estate](https://www.treasuryview.com/en/industry/cre-debt-management) - [How to automate intercompany loan tracking](https://www.treasuryview.com/en/how-to-automate-intercompany-loan-tracking) - [Contact](https://www.treasuryview.com/en/contact) --- *Last updated: April 2026 · TreasuryView by emformX GmbH · treasuryview.com · Data hosted in Germany*