Tvalue Pricing Score & Analysis
Commercial Loan Software
Pricing score
TValue is an amortization and loan-structuring solution for managing loans, leases, and complex payment schedules, including “what‑if” calculations for rate, payment, amount, or term.
Main features:
- Amortization schedule creation
- Built‑in accounting
- API for integrations
- Auto, construction, and mortgage loans
- Investor management
- Loan processing
- Payment collection
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Product Overview
TValue is an amortization and loan-structuring solution used to design and analyze loans and leases. It supports complex payment structures, varying payment frequencies and amounts, skip payments, yield calculations, and quick “what‑if” scenarios solving for rate, payment, principal, or term. It runs on desktop, cloud, Salesforce, Windows .NET SDK, and via REST API for integration into custom or web applications.
Teams and departments that might be interested include: commercial lending teams, consumer lending operations, mortgage departments, equipment and auto finance groups, treasury and corporate finance, FP&A, accounting, and fintech or IT teams needing an embedded amortization/yield engine in their own systems.
Tvalue up to 25% off
Unlock special pricing on Tvalue with Spendbase
INSIGHTS
Plan highlights
Solo User (Estimated TValue Online Starter)
Our internal data shows that solo CPAs, small tax preparers, and independent note investors typically adopt entry-level TValue-style amortization tools around $60/year for one user, covering core amortization schedules, basic time-value-of-money calculations, and simple exports to Excel or PDF.
Professional Team (Estimated Standard TValue Online)
Our internal data shows that small accounting teams and boutique lenders usually pay $15–$25 per user per month for TValue-class solutions including advanced amortization options, APR and rate scenarios, multiple schedules per client, and priority email support for 3–10 users.
Business Suite (Estimated Desktop/Online Bundle)
Our internal data shows that established finance, lending, and real-estate teams often purchase a bundle at $149–$249 per user annually combining a full-featured desktop license, online access, complex cash-flow modeling, balloon structures, custom reporting, and integration-ready exports.
Enterprise Amortization Platform (Estimated TValue Enterprise)
Our internal data shows that banks, large credit unions, and multi-entity corporates negotiate custom TValue-style contracts starting near $4,000–$6,000 annually, adding SSO, multi-entity controls, API access, audit trails, SLAs, training, and dedicated account management.
INSIGHTS
How much does Tvalue typically cost?
These are the publicly listed prices — our deals are even better
 |
Online
For individual professionals needing web-based time value of money calculations |
Desktop
For finance users who prefer a one-time desktop license with optional maintenance |
Salesforce
For teams using Salesforce who need integrated amortization and TVM calculations |
Engine & Enterprise
For organizations requiring SDK/API integration and enterprise-level deployment |
|---|---|---|---|---|
|
Monthly cost
Per User |
$5
|
$14
|
$15
|
Custom pricing
|
|
Monthly cost
Total (50 users) |
$250
|
$700
|
$750
|
Custom pricing
|
|
Annual cost
Per User |
$60
|
$169
|
$180
|
Custom pricing
|
|
Annual cost
Total (50 users) |
$3,000
|
$8,450
|
$9,000
|
Custom pricing
|
Spendbase price
|
$2,250
25% off |
$6,338
25% off |
$6,750
25% off |
Custom pricing
|
Calculated based on data for a company of 50 people - for individual calculations
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SaaS SAVINGS AND WINS
Our customers save up to 39% on software - you can too
We saved over $500k and got SaaS visibility
Global IT Manager
Spendbase has been a game-changer for us. Their platform helps tech companies like ours to slash SaaS and cloud bills by up to 35%
Chief of Stuff, BRIDGE IN
I had no idea you can get huge discounts for most SaaS subscriptions
CEO and Co-founder, Sellestial
They worked exactly like we do—efficiently and professionally. They completely offloaded the hard work from our shoulders
Operations Director, WithU
With Spendbase.co, we locked in 10–15% savings on several of our main SaaS tools. If SaaS spend is a major cost for you, they’re a strong partner.
VP of Operations at Seven Peaks
We saved over $500k and got SaaS visibility
Global IT Manager
Spendbase has been a game-changer for us. Their platform helps tech companies like ours to slash SaaS and cloud bills by up to 35%
Chief of Stuff, BRIDGE IN
I had no idea you can get huge discounts for most SaaS subscriptions
CEO and Co-founder, Sellestial
They worked exactly like we do—efficiently and professionally. They completely offloaded the hard work from our shoulders
Operations Director, WithU
With Spendbase.co, we locked in 10–15% savings on several of our main SaaS tools. If SaaS spend is a major cost for you, they’re a strong partner.
VP of Operations at Seven Peaks
Features & Benefits with Discount Lens
See what you get — for less
Detailed feature comparison table with tier benefits Text here for the second row
Flexible, powerful amortization scheduling engine
TValue lets finance teams build detailed amortization schedules for virtually any loan or lease structure, including irregular payments, skips, interest-only periods, and balloon payments. This flexibility makes it easy to model complex real-world deals without resorting to manual spreadsheets or custom formulas.
Discount impact
Organizations reduce modeling errors, speed up deal structuring, and gain confidence that payment schedules are accurate, auditable, and aligned with lender, investor, and regulatory expectations.
Sophisticated what‑if and yield calculations
Users can instantly solve for rate, payment, term, or principal and run side‑by‑side what‑if scenarios. TValue automatically recalculates yields and cash flows, allowing teams to quickly test pricing options, restructure existing loans, or evaluate profitability before committing to terms.
Discount impact
Lenders and finance teams make faster, data‑driven pricing decisions, improve margins on deals, and respond to customer or investor requests in minutes instead of hours.
Built‑in accounting and loan tracking
Beyond calculations, TValue includes integrated accounting capabilities for ledgers, receivables/payables, and financial reporting. It tracks loan details and payment histories, helping organizations keep operational records aligned with the underlying amortization logic in a single, consistent environment.
Discount impact
This reduces reconciliation effort, minimizes discrepancies between finance and accounting, and supports cleaner audits by centralizing loan data and financial reporting in one system.
Comprehensive support for multiple loan types
TValue natively handles mortgages, auto loans, construction loans, and other commercial financing structures. Teams can manage diverse portfolios without juggling separate tools, using consistent workflows and assumptions for different collateral, terms, and repayment behaviors.
Discount impact
Lenders, lessors, and corporate finance teams scale across more products with less overhead, standardizing processes while still accommodating product‑specific nuances and compliance requirements.
APIs and multi‑platform deployment options
Available as desktop, cloud, Salesforce integration, .NET SDK, and REST API, TValue embeds easily into existing loan origination, servicing, or internal systems. Teams can automate calculations, generate schedules programmatically, and align TValue with their preferred tech stack.
Discount impact
Enterprises reduce manual rekeying, improve data consistency across systems, and extend TValue’s calculation engine into custom workflows, unlocking higher efficiency and lower operational risk.
