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DebtBook
Charlotte, North Carolina, United States
What it is
DebtBook is cloud-based software for finance teams managing debt, cash, leases, and subscriptions. It is purpose-built for government and nonprofit finance teams, including public finance teams in higher education and healthcare. Its Treasury Management System brings debt, cash, and investments together. Debt Management centralizes debt data and supports accounting, year-end reporting, payment schedules, continuing disclosure, refunding tracking, and new issue structuring. Cash Management covers forecasting, fraud detection, cash positioning, transaction categorization, and forecast-to-actual variance analysis. Lease and Subscription Management supports tracking, accounting, and reporting for GASB 87, GASB 96, and ASC 842 arrangements. Other offerings include contract and investment management. ERP integration is listed as a Debt Accounting add-on; Cash Management supports direct API and SFTP bank integrations. DebtBook says its security approach includes recognized frameworks, continuous monitoring, and regular third-party assessments; listed certifications include SOC 1 and SOC 2 Type 1 and 2, and CSA STAR Level One. Pricing depends on organizational size and needs and requires a custom quote. The service offers no free trial.
For and against
For
- Unifies debt, cash, and investments.
- Cash tools include forecasting and fraud detection.
- Supports GASB 87, GASB 96, and ASC 842 arrangements.
- Cash Management supports direct API and SFTP bank integrations.
- Every plan includes ongoing expert support.
Against
- Pricing requires a custom quote.
- No free trial is offered.
- ERP integration is listed as a Debt Accounting add-on.
The verdict
DebtBook offers connected tools for debt, treasury, cash, and contract-related finance work. Teams should expect custom pricing and no free trial.
Who it suits
It suits government and nonprofit finance teams managing debt, cash, investments, leases, or subscriptions. Public finance teams in higher education and healthcare are among its stated audiences.
Plans and prices
Complete
Unlimited agreements · unlimited users · all Starter features · AI data entry
Read 21 Oct 2026 · debtbook.com
Debt Management Platform
Refunding history · net debt service · variable-rate debt · commercial paper
Read 21 Oct 2026 · debtbook.com
Starter
Up to 15 agreements · 2 users · automated GL functionality · determination questions
Read 21 Oct 2026 · debtbook.com
Cash Management Platform
Cash forecasting · Fraud detection · Cash positioning · Bank statement integration
Read 4 Oct 2026 · debtbook.com
Contract Management
Unlimited users and guests · Unlimited contract storage · AI-powered contract processing · Contract collection
Read 4 Oct 2026 · debtbook.com
Investment Management
Integrated cash forecasts · Scenario-based portfolio analysis · GASB 31, 40, and 72 compliance and reporting tools · Automated custodian and pricing feeds
Read 4 Oct 2026 · debtbook.com
On the record
- AI features
- The product advertises AI data entry, AI-supported reporting configuration and an AI analyst named Marty.debtbook.com · read 21 Oct 2026
- API integration
- The cash API integration uses Koxa’s proprietary open-banking platform and restricts use to documented functions.debtbook.com · read 21 Oct 2026
- Availability commitment
- The service-level addendum targets 99.9% quarterly uptime and offers subscription extensions as service credits when targets are missed.debtbook.com · read 21 Oct 2026
- Bank connectivity
- Cash Management offers direct bank APIs and SFTP connections, with banking data supplied through external providers.debtbook.com · read 21 Oct 2026
- Cash features
- Cash Management supports cash forecasting, fraud detection, cash positioning, transaction categorization, and forecast-to-actual variance analysis.debtbook.com · read 4 Oct 2026
- Cash forecasting
- Cash Management supports rolling forecasts, manual or statistical updates, debt-service integration and forecast-to-actual analysis.debtbook.com · read 21 Oct 2026
- Cash positioning
- The cash product shows balances across accounts, categorizes transactions and can alert users when balances cross thresholds.debtbook.com · read 21 Oct 2026
- Company facts
- LinkedIn lists the company as privately held, founded in 2019, headquartered in Charlotte, North Carolina, with 51–200 employees.linkedin.com · read 21 Oct 2026
- Company identity
- The legal entity is Fifth Asset, Inc., doing business as DebtBook; LinkedIn shows the brand now operating as Monetary.debtbook.com · read 21 Oct 2026
- Contract management
- Contract Management provides centralized storage, contract collection, AI processing, renewal tracking, reporting and spend visibility.debtbook.com · read 21 Oct 2026
- Debt features
- Debt Management centralizes debt data and supports accounting, year-end reporting, payment schedules, continuing disclosure, refunding tracking, and new issue structuring.debtbook.com · read 4 Oct 2026
- Debt management
- The debt product centralizes debt records, schedules, payments, refunding history, variable-rate debt, commercial paper, documents and reporting.debtbook.com · read 21 Oct 2026
- Documentation and training
- The company provides a support center, knowledge articles, videos, webinars, live training and a DebtBook University library.debtbook.com · read 21 Oct 2026
- Fraud detection
- Cash Management monitors connected bank accounts for unusual or unauthorized transactions and flags potential fraud.debtbook.com · read 21 Oct 2026
- Funding and investors
- Crunchbase lists Elephant and CreativeCo among DebtBook’s investors and identifies Charlotte, North Carolina as headquarters.crunchbase.com · read 21 Oct 2026
- Implementation
- DebtBook publishes implementation guides targeting go-live within 120 days or less and also supports partner-led implementations.debtbook.com · read 21 Oct 2026
- Independent company profile
- Inc. lists DebtBook as a 2019-founded Charlotte software company led by Tyler Traudt and ranked No. 252 on the 2025 Inc. 5000.inc.com · read 21 Oct 2026
- Integrations
- The pricing page lists ERP integration as a Debt Accounting add-on and direct API and SFTP bank integrations for Cash Management.debtbook.com · read 4 Oct 2026
