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DebtBook

debtbook.com

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Spec score 8.3 #4 of 56 in Lease Accounting Software

What it is

DebtBook provides cloud-based software for finance teams managing debt, cash, leases, and subscriptions. It is 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 for accounting, year-end reporting, payment schedules, continuing disclosure, refunding tracking, and new issue structuring. Cash Management supports forecasting, fraud detection, cash positioning, transaction categorization, and forecast-to-actual variance analysis. Lease and Subscription Management handles tracking, accounting, and reporting for GASB 87, GASB 96, and ASC 842 arrangements. Other listed capabilities include contract management and investment management, with features such as contract processing and scenario-based portfolio analysis. ERP integration is an add-on for Debt Accounting; Cash Management supports direct API and SFTP bank integrations. The Trust Center lists SOC 1 and SOC 2 Type 1 and 2, and CSA STAR Level One certifications. Pricing depends on organization size and needs, requires a custom quote, and no free trial is offered. Plans include ongoing support from DebtBook experts, and the maker says implementation aims to get teams operational in 90 days or less.

Spec sheet

What it does
DebtBook provides cloud software for government, nonprofit, higher-education and healthcare finance teams to manage debt, cash, investments, leases, subscriptions and contracts.Read 21 Oct 2026 · debtbook.com
Purpose
DebtBook provides cloud-based software for finance teams to manage debt, cash, leases, and subscriptions.Read 4 Oct 2026 · debtbook.com
Integrations
The pricing page lists ERP integration as a Debt Accounting add-on and direct API and SFTP bank integrations for Cash Management.Read 4 Oct 2026 · debtbook.com
Support
DebtBook lists [email protected] for customer support and says every plan includes ongoing support from DebtBook experts.Read 4 Oct 2026 · debtbook.com
Headquarters
Charlotte, North Carolina, United StatesRead 28 Sep 2026 · debtbook.com
AI features
The product advertises AI data entry, AI-supported reporting configuration and an AI analyst named Marty.Read 21 Oct 2026 · debtbook.com
API integration
The cash API integration uses Koxa’s proprietary open-banking platform and restricts use to documented functions.Read 21 Oct 2026 · debtbook.com
Availability commitment
The service-level addendum targets 99.9% quarterly uptime and offers subscription extensions as service credits when targets are missed.Read 21 Oct 2026 · debtbook.com
Bank connectivity
Cash Management offers direct bank APIs and SFTP connections, with banking data supplied through external providers.Read 21 Oct 2026 · debtbook.com
Cash features
Cash Management supports cash forecasting, fraud detection, cash positioning, transaction categorization, and forecast-to-actual variance analysis.Read 4 Oct 2026 · debtbook.com
Cash forecasting
Cash Management supports rolling forecasts, manual or statistical updates, debt-service integration and forecast-to-actual analysis.Read 21 Oct 2026 · debtbook.com
Cash positioning
The cash product shows balances across accounts, categorizes transactions and can alert users when balances cross thresholds.Read 21 Oct 2026 · debtbook.com
Company facts
LinkedIn lists the company as privately held, founded in 2019, headquartered in Charlotte, North Carolina, with 51–200 employees.Read 21 Oct 2026 · linkedin.com
Company identity
The legal entity is Fifth Asset, Inc., doing business as DebtBook; LinkedIn shows the brand now operating as Monetary.Read 21 Oct 2026 · debtbook.com
Contract management
Contract Management provides centralized storage, contract collection, AI processing, renewal tracking, reporting and spend visibility.Read 21 Oct 2026 · debtbook.com
Debt features
Debt Management centralizes debt data and supports accounting, year-end reporting, payment schedules, continuing disclosure, refunding tracking, and new issue structuring.Read 4 Oct 2026 · debtbook.com
Debt management
The debt product centralizes debt records, schedules, payments, refunding history, variable-rate debt, commercial paper, documents and reporting.Read 21 Oct 2026 · debtbook.com
Documentation and training
The company provides a support center, knowledge articles, videos, webinars, live training and a DebtBook University library.Read 21 Oct 2026 · debtbook.com
Fraud detection
Cash Management monitors connected bank accounts for unusual or unauthorized transactions and flags potential fraud.Read 21 Oct 2026 · debtbook.com
Funding and investors
Crunchbase lists Elephant and CreativeCo among DebtBook’s investors and identifies Charlotte, North Carolina as headquarters.Read 21 Oct 2026 · crunchbase.com
Implementation
DebtBook publishes implementation guides targeting go-live within 120 days or less and also supports partner-led implementations.Read 21 Oct 2026 · debtbook.com
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.Read 21 Oct 2026 · inc.com
Investment management
Investment Management provides portfolio analysis, maturity alignment, compliance reporting, benchmarking and custodian or pricing feeds.Read 21 Oct 2026 · debtbook.com
Lease and subscription accounting
Lease and Subscription Management automates GASB 87, GASB 96 and ASC 842 tracking, accounting and reporting workflows.Read 21 Oct 2026 · debtbook.com
Lease and subscription compliance
Lease and Subscription Management supports tracking, accounting, and reporting for GASB 87, GASB 96, and ASC 842 arrangements.Read 4 Oct 2026 · debtbook.com
Licence and hosting
DebtBook grants customers limited access to proprietary application services; its terms prohibit copying, derivative works, reverse engineering and source-code extraction.Read 21 Oct 2026 · debtbook.com
Limit: contract controls
A Trustpilot reviewer said contract tracking numbers are not auto-assigned and required fields cannot be selectively disabled.Read 21 Oct 2026 · trustpilot.com
Limit: data-entry effort
A Trustpilot reviewer said achieving accurate lease and subscription data required more work than expected.Read 21 Oct 2026 · trustpilot.com
Limit: reporting flexibility
A Capterra reviewer wanted more flexible reports and schedules, additional filter columns and custom-report capability.Read 21 Oct 2026 · capterra.com
Notable news: rebrand
The Charlotte Business Journal reported that DebtBook launched in 2019 and adopted the Monetary identity in October 2026 as its product scope expanded beyond debt tracking.Read 21 Oct 2026 · bizjournals.com
Praise: compliance automation
Reviewers credit the product with simplifying GASB 87 and GASB 96 implementation, journal entries, disclosures and audit preparation.Read 21 Oct 2026 · trustpilot.com
Praise: support
Independent reviewers repeatedly praise responsive human support, structured onboarding, training and implementation assistance.Read 21 Oct 2026 · trustpilot.com
Praise: usability
Reviewers commonly describe the interface as intuitive, easy to navigate and easy to train users on.Read 21 Oct 2026 · trustpilot.com
Pricing and trial
Pricing depends on organizational size and needs, requires a custom quote, and the pricing page says DebtBook offers no free trials.Read 4 Oct 2026 · debtbook.com
Rating on Capterra
4.9 out of 5 from 16 reviewsRead 21 Oct 2026 · capterra.com
Rating on G2
0 out of 5 from 0 reviewsRead 21 Oct 2026 · g2.com
Rating on GetApp
4.9 out of 5 from 16 reviewsRead 21 Oct 2026 · getapp.com
Rating on Software Advice
4.9 out of 5 from 16 reviewsRead 21 Oct 2026 · softwareadvice.com
Rating on Trustpilot
4.6 out of 5 from 76 reviewsRead 21 Oct 2026 · trustpilot.com
Security certifications
The DebtBook Trust Center lists SOC 1 Type 1 and 2, SOC 2 Type 1 and 2, and CSA STAR Level One certifications.Read 4 Oct 2026 · trust.debtbook.com
Security claim
DebtBook states that its platform has SOC 1 and SOC 2 data-integrity and security compliance and supports single sign-on.Read 21 Oct 2026 · debtbook.com
Security practices
DebtBook says its security approach uses recognized security frameworks, continuous monitoring, and regular third-party assessments.Read 4 Oct 2026 · debtbook.com
Support access
Users can contact support through an in-app chat widget or by emailing [email protected].Read 21 Oct 2026 · support.debtbook.com
System requirements
The application is accessed over the internet, with DebtBook stating that customer network connectivity and internet conditions are outside its responsibility.Read 21 Oct 2026 · debtbook.com
Target users
The platform is purpose-built for government and nonprofit finance teams, including public finance teams in higher education and healthcare.Read 4 Oct 2026 · debtbook.com
Treasury platform
The Treasury Management System unifies debt, cash, and investments in a single platform.Read 4 Oct 2026 · debtbook.com
Workplace facts
Built In reports a Charlotte headquarters, hybrid work, and engineering staff that are fully remote within the United States.Read 21 Oct 2026 · builtin.com

Plans and prices

Cash Management Platform Priced on request Custom quote; billing term not stated Cash forecasting · Fraud detection · Cash positioning · Bank statement integration · Direct API and SFTP bank integrations · Add-ons available Read 4 Oct 2026 · debtbook.com
Complete Priced on request Unlimited agreements · unlimited users · all Starter features · AI data entry · ERP export format · automatic materiality determination · saved reports · payment reporting · reconciliation · milestones · SBITA project management Read 21 Oct 2026 · debtbook.com
Contract Management Priced on request Custom quote; billing term not stated Unlimited users and guests · Unlimited contract storage · AI-powered contract processing · Contract collection · Reporting tools Read 4 Oct 2026 · debtbook.com
Debt Management Platform Priced on request Refunding history · net debt service · variable-rate debt · commercial paper · draw-down facilities · defeased debt service · DTC reporting · maturity tables · payment reporting · document management · schedules and allocations Read 21 Oct 2026 · debtbook.com
Investment Management Priced on request Custom quote; billing term not stated Integrated cash forecasts · Scenario-based portfolio analysis · GASB 31, 40, and 72 compliance and reporting tools · Automated custodian and pricing feeds · Add-ons available Read 4 Oct 2026 · debtbook.com
Starter Priced on request Up to 15 agreements · 2 users · automated GL functionality · determination questions · schedule creation · journal-entry exports · audit-note exports · change management · account/reporting settings Read 21 Oct 2026 · debtbook.com

Every DebtBook plan and price →

Strong points and limits

Strong points

  • Unifies debt, cash, and investments
  • Supports GASB 87, GASB 96, and ASC 842
  • Includes ongoing support on every plan
  • Direct API and SFTP bank integrations

Limits

  • Pricing requires a custom quote
  • No free trials are offered
  • Debt Accounting ERP integration is an add-on

Who it suits

It is intended for government and nonprofit finance teams, including those in higher education and healthcare. It may suit teams needing connected debt, cash, investment, lease, subscription, or contract management.

Verdict

DebtBook covers several finance workflows, with capabilities spanning debt, cash, leases, subscriptions, contracts, and investments. Prospective customers need a custom quote and should account for add-on integration options.

Where Specifiction places it

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