All-in-One Cash Management and Business Banking
Take control of your cash and get the most out of every dollar with Centime.
Automate AR and AP, forecast cash flow and secure the working capital you need to grow your business.
The Only Integrated Suite for Cash Management and Banking
Empower your business and take control of cash inflows and outflows with Centime's suite of advanced cash management and business banking solutions.
Cash Flow
Forecasting
Automatically create a rolling 13-week forecast to get insight into cash flow, plan your cash management strategy and ensure liquidity to meet your operating needs.
Accounts Receivable Automation
Reduce Days Sales Outstanding, improve Collections Effectiveness Index and give your clients an easier, more secure way to pay with Centime Accounts Receivable.
Accounts Payable Automation
Automate invoicing, routing and approvals with Centime Accounts Payable. Reduce Days Payable Outstanding by 30% or more, and strategically plan payments to optimize your working capital.
Working Capital Credit Line and Credit Cards
Get the cash you need to grow, with a working capital credit line and credit card. Apply easily, qualify quickly and get funded immediately with Centime Credit.
Cash Reporting and KPIs
Track and monitor cash flow, cash burn, runway and other financial KPIs to identify and compare trends in your business. Easily share insights and findings with key stakeholders.
Modern Business Banking
Mitigate risk of bank failure with Centime Checking Plus, a business account that automatically diversifies your deposits to insure your cash and improve yield without compromising on convenience.
Trusted by the best SMBs
Forecast and plan for cash inflows and outflows
Stay ahead of the game with Centime Cash Flow Forecasting. Create and continuously update a rolling 13-week cash forecast tailored to fit your needs. Plan the use of cash and guarantee adequate liquidity to meet your operational needs with ease. Learn more about cash forecasting here.
Streamline collections and get paid faster
Predict past due payments, automate collections workflows to proactively remind customers, present invoices for online payments and apply received cash against open receivables.
With Centime Accounts Receivable, you can improve collections effectiveness, reduce past-due payments, boost working capital and increase team efficiency. Learn more about AR automation here.
Take the pain out of payables
Centime Accounts Payable automates all aspects of the AP process: processing, capturing and approving invoices, planning payment-runs to preserve cash and making payments to suppliers.
AP automation saves costs, boosts efficiency, mitigates fraud and improves cash flow. Learn more about AP automation here.
Get working capital credit
Centime Banking offers an embedded, cost-effective, unsecured line of credit designed to meet your short-term cash needs. Easily draw cash and payback within 90 days (or sooner with no penalty). Access cash through Centime Cash and get a card through Centime Card.
Apply easily, qualify quickly and get funded immediately. Learn more about working capital here.
Measure what matters with KPI tracking
Get valuable insights into your cash performance and compare KPIs across periods. Our all-in-one solution includes standard KPI measures such as cash flow, cash burn, and runway – and specific metrics for AR and AP performance. Learn more about KPI tracking here.
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Get more out of your business banking
Introducing Centime Banking, the only high-yield business account that makes it easy to diversify your deposits, without adding operational overhead. View aggregate balances across all your accounts, and seamlessly transfer between accounts with no limits.
And with Centime Checking Plus, you can get a higher yield, and mitigate the risk of bank failure with automatic diversification. Learn more about banking solutions here.
Integrate seamlessly with your accounting system
Centime is fully embedded in the accounting systems that power your business, so you can turn your ERP data into actionable insights that help you grow. Integration is turnkey, so you can get started in minutes with the accounting system of your choice.
Don’t take our word for it. See what our clients say.
Dan Zoucha
Founder
"I watch and control our cash flow very closely, and Centime's cash management applications really make it easy: I've never had anything like it."
Todd Murphy
CFO
"Centime creates a simple and easy way for me to review my cash and finances. I can log in, see my dashboard and quickly identify the actions I need to take."
Talk to an Expert
Our all-in-one cash flow management & banking solution helps businesses scale quickly. Schedule a 1-1 demo with a Centime expert.
Book a Demo