Why Centime?
Because Finance Automation Should Be About Cash, Not Silos
Finance teams have long been forced to use disconnected tools—one for AP, another for AR, yet another for banking, expenses, forecasting, and KPIs. The result? Fragmentation, inefficiency, limited visibility, and strategic blind spots. Centime fundamentally reimagines finance automation by uniting all aspects of cash management into one seamless, intuitive system.
The Centime Difference:
Integrated, Not Fragmented
Centime integrates AP, AR, expenses, treasury, and forecasting directly into your ERP—NetSuite, Sage Intacct, QuickBooks. Gone are the days of manual data entry, repetitive workflows, and isolated cash insights.
Centime’s architecture isn’t just bolted onto your ERP—it’s purpose-built to work seamlessly within it. Every cash-related activity, from bill payments to receivables collections, is tied directly to your ERP, ensuring that your finance team always has real-time, accurate data to work with—no more exporting and reconciling across multiple systems.
Centime’s architecture isn’t just bolted onto your ERP—it’s purpose-built to work seamlessly within it. Every cash-related activity, from bill payments to receivables collections, is tied directly to your ERP, ensuring that your finance team always has real-time, accurate data to work with—no more exporting and reconciling across multiple systems.
Cash Clarity at Every Step
Gain real-time visibility into your cash position—accurate forecasting, proactive scenario planning, and precise KPI tracking ensure you're always steps ahead.
Centime’s dynamic cash forecasting includes a 13-week rolling forecast that updates automatically as your AP, AR, and expenses flow through the system. This enables finance leaders to spot cash shortfalls or surpluses early, proactively manage working capital, and make smarter decisions about investments or cost savings.
Centime’s dynamic cash forecasting includes a 13-week rolling forecast that updates automatically as your AP, AR, and expenses flow through the system. This enables finance leaders to spot cash shortfalls or surpluses early, proactively manage working capital, and make smarter decisions about investments or cost savings.
Transforming AP into Profit
We believe your AP shouldn't just streamline costs—it should generate profits. Centime uniquely offers cash back on vendor payments, turning payables from expense into earnings.
Unlike other providers that keep the interest earned on your payment funds, Centime flips the script and gives that cash back to you. With Centime, every dollar flowing through your AP account earns interest—turning your payables process into a direct financial advantage for your business, not just for your software vendor.
Unlike other providers that keep the interest earned on your payment funds, Centime flips the script and gives that cash back to you. With Centime, every dollar flowing through your AP account earns interest—turning your payables process into a direct financial advantage for your business, not just for your software vendor.
Simplified Expense Management
Modern, mobile-first expense management built directly into your workflows ensures compliance, transparency, and real-time tracking.
Powered by Fyle, Centime’s integrated expense management eliminates the need for separate expense software. Employees can submit expenses from any device, while finance teams get instant visibility into spending data. Automated approvals, comprehensive card support, and seamless accounting integrations reduce bottlenecks and ensure accurate expense reporting—no matter how your team spends.
Powered by Fyle, Centime’s integrated expense management eliminates the need for separate expense software. Employees can submit expenses from any device, while finance teams get instant visibility into spending data. Automated approvals, comprehensive card support, and seamless accounting integrations reduce bottlenecks and ensure accurate expense reporting—no matter how your team spends.
Banking, Reimagined
Experience centralized banking within Centime—unified account aggregation, cash-back rewards, and secure FDIC-insured sweeps to optimize your working capital.
Centime’s banking solution includes a 3.0% APY++ business checking account that puts your cash to work while automatically diversifying deposits over $250,000 across a network of FDIC-insured banks. This ensures multi-million dollar protection without the hassle of managing multiple bank relationships. Combined with a single dashboard to view and move funds across all your accounts, Centime gives you full control and security for your cash.
Centime’s banking solution includes a 3.0% APY++ business checking account that puts your cash to work while automatically diversifying deposits over $250,000 across a network of FDIC-insured banks. This ensures multi-million dollar protection without the hassle of managing multiple bank relationships. Combined with a single dashboard to view and move funds across all your accounts, Centime gives you full control and security for your cash.
Built from Experience, Designed for Impact
Our platform is built by industry veterans who deeply understand the gaps left by traditional finance tools. With proven expertise from MineralTree’s success, Centime solves the comprehensive cash problem—automating your entire finance operation for strategic advantage.
Founded by BC Krishna, the original founder and CEO of MineralTree, Centime builds on lessons learned from over a decade in AP automation. But we didn’t stop there. Centime unifies AP, AR, expense, and treasury —delivering a single, seamless platform that goes far beyond basic AP to truly transform how finance teams operate.
Founded by BC Krishna, the original founder and CEO of MineralTree, Centime builds on lessons learned from over a decade in AP automation. But we didn’t stop there. Centime unifies AP, AR, expense, and treasury —delivering a single, seamless platform that goes far beyond basic AP to truly transform how finance teams operate.
Faster Onboarding, Better Support
OCR. Coding. PO Matching. Approval Logic.
On average, our customers are up and running with Centime in just 7-21 days. Rated Best Implementation and Best Support by G2.
Centime’s dedicated onboarding team tailors every implementation to your workflows—whether it’s configuring custom approval processes or ensuring seamless NetSuite integration. Customers consistently highlight the user-friendly design, live support, and Centime’s commitment to continuous improvement. From AI-powered invoice capture and real-time cash flow forecasting to flexible payment methods and card integrations, Centime isn’t just quick to deploy—it’s designed to fit your business today and evolve with you tomorrow.
Centime’s dedicated onboarding team tailors every implementation to your workflows—whether it’s configuring custom approval processes or ensuring seamless NetSuite integration. Customers consistently highlight the user-friendly design, live support, and Centime’s commitment to continuous improvement. From AI-powered invoice capture and real-time cash flow forecasting to flexible payment methods and card integrations, Centime isn’t just quick to deploy—it’s designed to fit your business today and evolve with you tomorrow.
It’s More Than Automation–It’s a New Way of Operating
At Centime, finance automation isn’t just about doing tasks faster. It’s about fundamentally transforming how finance teams view and manage cash. Because once you experience cash management this connected, clear, and strategic, you’ll never want to manage cash any other way.
Centime: Smarter Finance Automation. Made Simple.
What Centime Users Say
“We saved 40+ hours a month on AP processing. Beyond that, Centime’s Customer Support is always super responsive. Anytime I send something, they’ll email me back within an hour.”
Industry
Home Care Services
Employees
10,000+
saved weekly
10 Hours
invoices processed
100+ Monthly
What Centime Users Say
“We went from a manual AR/AP process to fully automated through Centime in very little time. We've cut the time of outstanding invoices down dramatically. The support team has also been very attentive to our needs.”
Industry
IT & Services
Employees
51-200
What Centime Users Say
“I've felt exceptionally supported throughout this journey. Unlike other SaaS implementations where follow-up meetings felt unnecessary, these sessions with our Customer Success Manager are invaluable.”
Industry
Professional Services
Employees
51-200
ON investment
3x Return
reduction in processing
70% Costs
What Centime Users Say
“Prior to using Centime we were 100% manual on entering and approving all invoices. Centime is a fantastic AP automation tool that streamlined our invoice processing and payment workflows.”
Industry
Entertainment
Employees
51-1000
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See Centime in action
Our innovative AR, AP and business banking solutions are powerful alone, and even better together.
Schedule a tailored demo with a Centime expert.
Schedule a tailored demo with a Centime expert.
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**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.
††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††3.0% Annual Percentage Yield (APY) as of 01/07/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.