Loan Management Software and Credit Administration for Real Estate Portfolios

Manage your financing portfolio and ensure precise cash flow planning for any interest rate scenario — thanks to modern software without Excel chaos.

by Tobias Angehrn, Founder and CEO of Tresio AG

Managing loans and financing is one of the core tasks in the real estate business. Yet, many companies still rely on complex Excel spreadsheets. What initially seems practical quickly becomes a source of errors when dealing with multiple projects and credit lines. Manual data entry, lack of transparency, and inconsistent data make solid planning a real challenge.

When it comes to managing and planning cash flows, the accurate recording of interest payments and repayments plays a crucial role. Even small discrepancies can affect liquidity and, consequently, the entire project development.

This is where modern loan management software like Tresio comes in. It replaces error-prone spreadsheets with a structured, automated solution that clearly presents loan obligations and links them directly to financial planning. This allows real estate developers to maintain full control over their financing costs and make well-informed decisions — all without Excel chaos.

Tresio – the modern solution for liquidity planning and loan management

Tresio is a multi-banking compatible Swiss software solution for liquidity planning and loan management in real estate portfolios and corporate groups.

In the following guide, I will show you how to record, manage, and use loans in Tresio for ongoing liquidity and cash flow planning.

Step 1: Set up basic settings

Tresio is designed to allow different types of loans to be recorded and tracked.

The loan types are defined under Loan settings, where the various credit categories are entered.

For each credit type, individual categories can be defined — such as disbursements, repayments, interest, commissions, etc. — which will then be included in the liquidity forecast.

Step 2: Record Loans

By clicking “New,” you can enter new loans in Tresio.

The following parameters must be recorded:

• Select loan type
• Enter initial amount and currency
• Term (disbursement date and maturity date)
• Number of days in the accounting year (according to the loan contract; often 360 days)

On the Interest tab, enter the margin as a percentage. For fixed-rate mortgages, this corresponds to the effective interest rate.

If, in addition to the margin, a variable rate applies (e.g., Saron, Euribor, SOFR, or a custom rate), it can be selected here. Tresio automatically sources yield curves from publicly available market information, but you can also define a custom yield curve that reflects your organization’s interest rate expectations.

Also record the date of the first interest payment and the payment cycle (e.g., quarterly).

For the repayment schedule, enter the date of the first repayment and the repayment interval. The outstanding balance will update automatically based on this.

For bullet loans or loans with partial balloon payments, this is also specified here.

It is also defined whether the loan has annuity characteristics.

For annuity loans, the monthly payment remains the same throughout the term, while the proportion of interest and principal shifts over time — Tresio calculates this automatically for liquidity planning.

For loans disbursed in multiple tranches, the individual disbursement tranches can be recorded under the Whithdrawal Plan tab. Interest is calculated automatically based on these.

Under First Payment and Last Payment, any additional fees and charges can also be recorded. 

All Loans, Mortgages, and Credits at a Glance

You can keep track of all loans at any time, including due dates, outstanding balances, and interest.

For liquidity planning, all loan disbursements, repayments, and interest are automatically calculated and displayed. This greatly simplifies cash flow planning.

Conclusion

Accurate and transparent loan management is essential today for real estate developers and portfolio managers. Tresio provides a modern software solution that not only gives you an overview of all financing obligations but also significantly simplifies liquidity and cash flow planning, giving you a real-time view of all bank accounts. Instead of relying on error-prone spreadsheets, you use a central platform to make well-informed decisions based on up-to-date data.

Talk to our experts today and learn how to take your loan management to the next level — efficient, clear, and future-proof.