Treasury Management System

Why Our TMS Software is Your New Best Friend

The tools and data you need – all in one place

We know how complicated the finance and treasury world can be. Not to mention trying to navigate it through manual processes that depend entirely on one or two key people within the organization. No wonder more and more financial professionals worry about their financial data quality. We know precisely how difficult it can be. That’s why we’ve developed a user-friendly Treasury Management System purposefully designed to make real estate companies’ and their financial departments’ lives a whole lot easier. By bringing technological advancement into the mix, we can simplify tasks and ensure your data quality so that your decision-making is as accurate and easy as possible. Our services gather all the data and information you need from the market, your loans, cash flow, and all the financial tools you need in one place, resulting in you being able to:

Get accurate and well-backed analyses relevant to your company.
With the latest data on the market, you can create uniform and reliable reports for all your real estate company’s relevant functions.
Eliminate key-person dependency and improve smooth collaboration with digitalized and standardized processes that also help with risk management.

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Book a demo by filling out the form to the right or download our product guide.

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General features

Debt Portfolio

We know how crucial a well-functioning debt portfolio is for any real estate company. Nordkap gathers all your loan information and financial tools in one place, allowing you to perform complex calculations and produce reports without having to worry about something getting lost along the way due to intricate excel sheets and manual calculations.

Properties and Mortgage Deeds

We developed Nordkap explicitly for the real estate world and its specific challenges. Our Properties and Mortgage Deeds module lets you easily link your properties and mortgage deeds directly in the system and get accurate LTV on each property and portfolio. Thanks to our flexible imports, we can keep the market value up to date, and all property and mortgage deed data can be imported directly from the National Land Survey to ensure that the data is updated and correct.

Accounting exports

Using our system can easily streamline your accounting and reduce time-consuming manual work. Nordkap supports several external business systems with our dynamic accounting templates and rules. It also comes with ready-made plug-in solutions that allow you to export accounting files to your ERP system with the help of our flexible API. And as a bonus, all of the files can also be easily exported to Excel when needed.

Well-backed reports for every part of your business

We know that an essential part of financial work is creating accurate and reliable reports. So, we made it a part of our service. The system helps out with complex calculations and uses the latest data from the market, leaving you with reliable reports with updated figures, standardized and suitable for internal and external use.

Real-time market data

We have teamed up with Refinitive and Millistream to give you access to both historical and current interest rates, as well as future interest rate forecasts. With daily updates of Ibor rates such as Stibor, Euribor, Cibor, and Nibor, you get a transparent overview of the current value of interest rate swaps. This way, you can do more accurate risk analyses and negotiate your swaps with the bank in a more empowered position.

Balance Overview

Consolidate all your bank accounts in one place, making it easy to retrieve information about the balances of your companies for upcoming payments. Our intuitive design ensures that you don't need to be an expert to manage your cash effectively. Discover how Balance Overview can support your business.

The Financial Control You've Been Looking For

We know just how complicated life in a real estate business can get. When different people use different work processes, that can quickly lead to risky key-person dependency. And when a business' departments use separate systems, numbers tend to go missing or be rounded off – along with assumptions, these details can easily have huge effects. Then there's the issue of essential parts of the business being done manually, which often leads to numerous minor stressors that pile up; suddenly, there's an overwhelming amount of things that need to be corrected or redone. Thankfully, there's an easy solution to all of this – our Treasury Management System, designed specifically for the real estate industry and all its challenges.

Our treasury management system solution is a 100% cloud-based system with a modular design where every segment is developed for the needs and wants of real estate companies. Before we dive deeper into the system's different features and how they can assist you and your business, let's look at what a TMS is. The basic definition of a Treasury Management System is a software application that automates managing a company's financial operations. So, what does that mean for real estate companies? Well, for starters, a digital work process leads to an increased control function.

Say goodbye to key-person-dependency with unified processes

With standardized digital processes used by everyone in the company, the data is used and interpreted in the same way. Standardized processes and cloud-stored data also efficiently eliminate any key-person dependency. The reason why this is so important is that key-person dependency is a risk factor that can quickly become very expensive; processes being individually created and data stored in regular excel-sheets is, quite frankly, a recipe for disaster. The moment that person no longer is available for whatever reason neither is the information that person was responsible for. With all the data stored easily accessible in the cloud and your processes standardized, you can access the information you need, wherever and whenever you need it.

Consistent reports for more informed decisions

Another great aspect of the entire organization using the same cloud-based system and unified processes and routines is that all the reports, no matter their purpose or which department creates them, use the same material and data. That way, the system ensures that all the produced reports are correct and up to date, whether they're made for budget work, continuous follow-ups, or annual reporting. Of course, this also enables a digital transformation and development of the company's financial function, since the processes already are streamlined across the organization.

Find out more about how we can help you with your reports by downloading our report guide here.

In other words, using modern financial tools can really improve your financial control and help you keep track of your finances and debt management, something many businesses struggle with. With the right tools, you can avoid unnecessarily high-interest costs, increased financial risks, inadequate reporting, inconsistent workflow, etc. So, what are the most important reasons you should upgrade your toolset? Well, there are five main reasons we believe every company should use modern financial tools:

It boosts transparency
Ensures accuracy
Centralises financial data
Generates reports
Streamlines workflows

So now that we've taken a look at what a Treasury Management System is and how it can help your organization's financial work, let's dive a little deeper into what makes our service unique: its scalability and real estate industry-niche.

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Our TMS Is a Scalable Real Estate Expert

Our system is designed with simplicity in mind, offering a menu of features to pick and choose from, ensuring you pay only for what you truly need. Regardless of your company's size, our system seamlessly adapts to any real estate business, growing alongside your journey.

Unlike one-size-fits-all solutions, our specialised system is finely tuned for the real estate domain. An excellent example of an industry-specific feature our system has is that it gathers all the information about your debts, loans, and property data in one place – and links it all together.

For example, you can use our system support to set your own internal interest rate on your intercompany loans. Historically, a lot of companies have given their intercompany loans a fixed interest rate since that often seems like the easiest solution, administratively speaking. The problem is that the market can be unpredictable and pivot suddenly. When that happens, there’s a significant risk that the external debt’s market interest rate and the interest rate of the intercompany loans differ vastly.

No more guesswork

As you log into your account, all the data is presented in easy-to-understand diagrams to give you more clarity and structure when working with your finances. You can easily set your own interest rates for intercompany loans with our user-friendly interface. No more guesswork or fixed rates that don't align with the market. We keep things in sync, safeguarding you from rate discrepancies.

This way, you get a better overview of all your financial information, allowing you to make better and more informed business decisions. The system also provides you with tools that give you the correct loan-to-value ratio on individual properties and portfolios by connecting them to the relevant loans. And thanks to our import tool, you can easily keep the market values up-to-date.

Managing cash flow becomes a breeze with customisable filters for payments and disbursements over different timeframes. Say goodbye to hunting for lost documents – everything is neatly stored in one place. We're breaking the chains of key-person dependency.

Our system is your ally, designed to make your job smoother and more efficient. Time is of the essence, especially in real estate. That's why we've got your back with automatic reminders, ensuring no critical deadlines slip through the cracks.

Supporting financial risk management and interest rate swaps

Financial risk management is a crucial piece of the real estate puzzle. Think of it as a recipe with four simple steps:

Analyse your costs.
Analyse your key numbers.
Work through the financial strategy thoroughly.
Evaluate and revise when the situation changes.

Risk management secures the financial basis and minimises how your costs are affected in a more challenging market situation. The key is to be proactive and well aware of the financial risks the company is currently facing – and any risks that might arise in the future. Using our TMS, you'll improve your financial risk management.

Another of our TMS’ features is that it can help you out with your interest rate swaps. Historically, banks have had significant, hidden margins. These hidden margins make it nearly impossible for most real estate companies to figure out a reasonable rate when it’s time to negotiate the price of their interest rate swaps. Our system supplies you with the latest data on the market, so you can ensure that you have all the information you need when negotiating with the bank – increasing your chances of getting a fair price on your interest rate swaps.