Treasury and Debt Management Software
Give treasury and finance teams command of the debt calendar, liquidity, maturities, and lender relationships.
Treasury teams manage cash. Who manages the credit?
Treasury management systems are built around cash: positions, payments, forecasting. But for most mid-market and enterprise borrowers, the biggest financial relationships aren't bank accounts — they are credit facilities. Covenants, availability, reporting obligations, and lender expectations shape what the business can actually do with its cash.
LORIQ fills that gap: it is treasury and debt management software focused on the credit side of the balance sheet. It complements your TMS, ERP, and accounting stack with the intelligence layer that understands your credit agreements.
Liquidity through a credit lens
Real liquidity isn't just cash — it's cash plus availability, netted against the covenants that constrain both. LORIQ computes availability across revolvers and borrowing bases, tracks minimum-liquidity covenants, and models how much room the business truly has before a decision touches a covenant constraint.
With LORIQ, treasury workflows regarding debt service, refinancing visibility, and reporting are consolidated, giving you a clear view of the cash/debt relationship.
A debt-aware treasury planning cycle
Treasury and debt management connects cash planning to the contractual structure that determines availability, debt service, reporting duties, and refinancing timing.
Cash, availability, and scheduled debt service
Combine current cash, revolver commitments and usage, letters of credit, borrowing-base constraints, principal, interest, amortization, and balloon obligations.
Maturities, rate exposure, and reporting dates
Review fixed and floating exposure, repricing dates, maturity windows, required lender deliverables, and covenant-constrained liquidity.
A credit-aware funding calendar
Coordinate liquidity, debt service, lender reporting, refinancing preparation, and proposed capital decisions against the active debt structure.
What treasury and finance teams get
Availability & liquidity tracking
Revolver availability, borrowing base capacity, and covenant-constrained liquidity in one view.
Debt service forecasting
Principal, interest, and balloon obligations projected across the whole portfolio.
Rate risk visibility
Fixed/floating exposure and the cash flow impact of rate scenarios on every facility.
Reporting obligation management
Every lender deliverable — statements, certificates, borrowing base reports — on one unified debt calendar.
Decision support
Test acquisitions, capex, distributions, or new debt against covenants before committing.
Works with your stack
Complements your ERP, accounting system, and TMS without attempting to replace them.
Continue through the credit workflow
Frequently asked questions
How is LORIQ different from a treasury management system (TMS)?
A TMS manages cash: positions, payments, and forecasting. LORIQ manages credit: facilities, covenants, agreements, and lender relationships. Many organizations run both — LORIQ adds the specific debt intelligence layer a TMS typically lacks.
What does treasury and debt management software do?
It helps finance and treasury teams manage credit facilities, stay compliant with covenants, forecast debt service and maturities, meet reporting obligations, and negotiate with lenders from an informed, data-backed position.
Does LORIQ integrate with our ERP or accounting system?
Yes. Financial statements and data flow into LORIQ via upload or API from systems like NetSuite, Sage, and QuickBooks. Your systems of record stay exactly where they are.
Can we model decisions before making them?
Yes. LORIQ's scenario tools let you test the covenant and capacity impact of new debt, acquisitions, capital spending, or distributions before you commit — so treasury decisions are made with the credit agreements in full view.
See LORIQ on your own portfolio.
Built for commercial borrowers — not banks. Request demo access and see your credit position the way a lender would.
Request Demo Access