Every other corner of the economy has software built for the way it works. Corporate treasury, construction, and restaurants all rely on purpose-built platforms. Government and nonprofit finance still relies on spreadsheets and legacy systems.
The teams responsible for managing public money are forced to stitch together debt, cash, leases, and investments across disconnected tools and manual processes. The result is delayed reporting, compliance risk, and decisions made without real-time visibility.
This is the work that funds public services. It deserves software built for it.
The clearest way to explain what Monetary does is to show what changes after our customers go live.
With Monetary, the University of North Carolina at Greensboro (UNCG) not only streamlined debt management but also uncovered a significant bank overcharge, enhancing both reporting accuracy and financial oversight.
“We’ve come to rely on Monetary so much. We can’t imagine going back to the old ways.”
Ghazala BibiController, University of North Carolina at Greensboro Milwaukee’s Capital Finance team used to spend three to four days assembling its annual debt report. After Monetary, the same report takes thirty minutes. A single ad-hoc debt request that used to mean two to three hours of back-and-forth now takes the budget team five minutes — they pull it themselves.
“I feel confident that I could send a new senior financial analyst into Monetary and say, ‘Create five different scenarios with these assumptions,’ and they’d be able to get me something within an afternoon.”
Joshua BensonCapital Finance Manager, City of Milwaukee San Joaquin County centralized its lease and subscription agreements, replacing manual calculations in spreadsheets with automated audit notes and journal entries. Jian describes the change as “sort of magical.”
“One click of the button and I have my audit notes. Another click and I have my journal entries. It’s sort of magical.”
Jian Ou-YangAssistant Auditor-Controller, San Joaquin County, CA 
The ambulance that arrives on time. Clean water. Safe streets. Great schools. Healthcare for those who need it most.
These services depend on finance teams managing public money well. When public finance has the right tools, communities thrive. We believe the people behind public finance deserve the best software we know how to build.
Top-performing treasury teams borrow at lower rates, reducing borrowing costs and freeing more money for public services, capital projects, and reserves. Over time, disciplined forecasting, investment management, and debt analysis create a lasting fiscal advantage. Treasury isn’t just an administrative function — it’s one of an organization’s most powerful financial levers.
Nearly half of public sector treasury teams still manage cash in spreadsheets, despite growing complexity and limited resources. Monetary is built on a simple belief: the people responsible for public finance deserve software designed specifically for the way they work — not tools adapted from corporate finance.
Nearly half of public sector treasury teams expect to lose experienced staff to retirement within three years. Monetary’s AI analyst, Marty, helps preserve that institutional knowledge by delivering consistent, traceable answers grounded in your data. It accelerates analysis while keeping every financial decision under explicit human review — because AI should strengthen human judgment, not replace it.
We started in 2019 as DebtBook because debt management was the first problem we solved. As our customers trusted us with more—cash management, investments, lease accounting, bank reconciliation, and now AI—the platform outgrew its name.
Treasury sits at the center of public finance. Monetary reflects the platform we’ve become: one place to manage the full treasury function.
For existing DebtBook customers, nothing changes except the name. Your login, data, contract, support team, and platform remain exactly the same.
We’re hiring across engineering, product, design, customer experience, and go-to-market. If the problem on this page is the kind of problem you want to spend the next five years on, we want to talk.
TMS is the treasury platform built for government and nonprofit finance — debt, cash, investments, accounting, and an AI analyst that connects all of it. The fastest way to see it is to see it on your own data.
