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Debt, Loans & Bonds

Manage loans, bonds and debt portfolios. Without spreadsheets.

Calculate interest, revalue multi-currency debt and generate accounting entries automatically. Built to replace the spreadsheets behind loans, bonds and credit facilities.

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Founded in Finland. Trusted by finance and treasury teams worldwide

Still managing debt in Excel?

Debt portfolios rarely fail for lack of a register. They fail at the calculation layer: interest, resets, revaluation and journals rebuilt by hand every month, across hundreds of agreements.

  • Monthly interest calculated by hand across fixed and floating rate agreements
  • Reset dates tracked in a calendar, new rates copied in one by one
  • FX revaluation rebuilt at every close across dozens of currencies
  • Journals retyped into the ERP from a summary tab
Interest automation

Automate floating-rate interest calculations.

The hardest part of the monthly cycle is the part that changes: floating rates. When a fixing falls due, the new reference rate is applied automatically and every schedule and accrual recalculates overnight. No manual reruns, no copied rates.

  • Resets follow each loan's tenor (1M, 3M, 6M and more), with alerts when a fixing is missed.
  • Maintain reference rates by feed from a third-party market-data vendor, by Excel import or by manual entry. Resets and recalculation are automatic either way.
  • Floating annuity schedules regenerate in full when a new rate lands.
A ZenTreasury floating-rate loan: the floating base rate and spread above the interest rate fixings, each with its fixing date, base rate, spread, resulting interest rate and next rate date

One system for the whole debt portfolio.

Loans, bonds, facilities and money market instruments, with the interest, valuations and journals handled in the same governed system.

Loans and credit facilities

External and intercompany loans with generated payment schedules. Revolving credit facilities run as their own instrument type, with drawdowns and repayments recorded as they happen, and a bank facility register keeps limits, covenants and renewal dates.

Bonds, issued and invested

Market-price valuation by ISIN or DCF valuation, selectable per bond, with straight-line or effective-interest premium amortisation. Floating coupons ride the same automated resets.

Floating rates and interest conventions

Automated reference-rate resets with alerts when a fixing is missed. Day-count and business-day conventions are set per instrument, including negative-rate support.

Multi-currency debt and FX revaluation

Debt portfolios in 25+ currencies with period-end FX revaluation for reporting. Subsidiaries work in local currency; group finance sees the whole book in one place.

Accounting entries, generated

Interest accruals, FX revaluations and amortisation generate vouchers mapped to your chart of accounts, with journal file export to your ERP.

Valuation, audit trail and permissions

DCF valuation against yield curves for loans and money market deals, market-versus-book reporting, a full audit trail and role-based permissions per module.

Built for complex debt portfolios

ZenTreasury is built for finance and treasury teams managing complex loan, bond and debt portfolios:

  • Hundreds of loan agreements across entities and currencies.
  • Fixed and floating rates, with resets on their own schedules.
  • Bonds and credit facilities alongside the loan book.
  • An auditor who asks how every number was produced.

Debt is one side of the same platform: the engine also runs treasury accounting for FX and guarantees, and IFRS 16 lease accounting.

FAQ

What types of debt can I manage in ZenTreasury?
External and intercompany loans, bonds (both issued and invested), commercial paper, deposits and other money market instruments. Revolving credit facilities are managed as their own instrument type with each drawdown recorded on the agreement, and a bank facility register keeps limits, pricing, covenants and renewal dates per facility line.
How does ZenTreasury automate floating-rate interest calculations?
Reference rates are maintained in a money market rate register, by feed from a third-party market-data vendor, by Excel import or by manual entry. When a fixing falls due, the new reference rate is applied automatically and every schedule and accrual recalculates. Resets follow each loan's tenor, and you are alerted when a fixing is missed. Day-count conventions including 30/360, Act/360, Act/365 and Act/Act are set per instrument.
Can ZenTreasury replace spreadsheets for managing a large loan portfolio?
Yes, that is the core use case. Agreements are held as structured records, payment schedules are generated rather than built by hand, floating rates reset automatically, FX revaluation runs at each close and accounting entries are generated instead of retyped. Every number traces back to the agreement and calculation that produced it, which is what a spreadsheet cannot show your auditor.
Can ZenTreasury handle multi-currency debt portfolios?
Yes. Loans and bonds run in 25+ currencies with period-end FX revaluation for reporting. Subsidiaries operate in their local currencies while group finance works from one governed system.
Does ZenTreasury generate accounting entries for loans and bonds?
Yes. Interest accruals, FX revaluations and bond premium amortisation generate vouchers through the built-in bookkeeping engine, mapped to your chart of accounts. Journal output to your ERP is file export in Excel, CSV or PDF.
How are bonds valued in ZenTreasury?
You choose per bond: market value by ISIN, using prices maintained in the securities table, or discounted cash flow valuation against yield curves with a per-bond premium spread. Premium or discount amortisation runs straight-line or effective interest, with a stored amortisation schedule, and floating coupons ride the same automated rate resets as loans.

See how ZenTreasury handles your debt portfolio.

Bring your loan and bond portfolio to a 30-minute call. We will walk through the interest, revaluation and accounting automation on real agreements.

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