DebtBook vs LOIS

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.

LOIS is a web-based lease accounting and management platform that combines finance and property data. It automates lease calculations, modifications, amortisation and depreciation schedules, journals, disclosures, and period-end reconciliations. Compliance automation covers IFRS 16, AASB 16, FRS 102, and FASB ASC 842, with IAS 17 reporting available for comparison. LOIS says it manages portfolios from 30 to more than 10,000 leases across equipment, vehicles, and property. Property teams can track rent reviews, expiries, and lease events, group leases and outgoings by site, and compare costs by square metre. Fleet tools bulk-load lease data and flag price changes, CPI adjustments, extensions, scope reductions, and terminations for review. Journal exports and a managed API connect with SAP, Oracle, Microsoft Dynamics 365, TechnologyOne, and Xero. Controls include approval workflows, configurable hierarchy and security, audit tracking, and journal review and locking before ERP posting. The cloud service offers local data hosting, ISO/IEC 27001 certification, and GDPR compliance. Pricing is on request and scoped by portfolio and services.