One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
They are the ideal tools for companies who lack the financial resources and / or the staff required for generating spreadsheet solutions with specific programs. At present, the most requested types of ready-made spreadsheet solutions are "Spreadsheets for Small Business" and the subcategory "Spreadsheets for Actors".
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
You'll need to find a way to make your spreadsheet accessible. You can build a website, which will require paying for a domain, hosting, site security, dealing with an internet transaction service, graphic design, content for the website, marketing your website, Search Engine Optimization, and all the other madness that comes with managing a site.