Centime with AI
All-in-One Treasury Management
Strategic Cash Control That Scales with Your Business
Centime's Treasury Management platform gives SMBs and mid-market finance teams enterprise-level cash visibility, automated forecasting, and banking solutions—all embedded in your ERP. Stop juggling spreadsheets and bank portals. Start making strategic decisions with real-time cash intelligence.
"I love the customer service our team has been graced with since starting with Centime. The integration was a simple process and we quickly learned how we could implement all the tools Centime had to offer on our day to day Cash Flow Management."
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Why Finance Teams Love Centime Treasury Management
Real-Time Cash Positioning
Aggregate all bank accounts and financial data into one unified dashboard. Know your exact cash position across every entity and institution—updated automatically every day.
AI-Powered Forecasting
Automated 13-week rolling cash forecasts that update in real-time as AP, AR, and expenses flow through your system. Predict shortfalls weeks in advance, not hours.
Embedded in Your ERP
Native integration with NetSuite, Sage Intacct, and QuickBooks. Every payment and collection flows directly into your treasury view—no manual exports or reconciliation.
What-If Scenario Planning
Model financial decisions in minutes. Test different timing assumptions, compare cash impacts, and answer "what if" questions before making commitments.
High-Yield Banking
Earn competitive APY on operating cash while maintaining instant access. Includes automatic FDIC-insured sweeps to protect capital above $250,000.
Unified Cash Visibility Across All Accounts
Your finance team's single source of truth for cash positioning.
Stop logging into six different bank portals. Centime aggregates all your bank accounts, credit cards, and financial data into one real-time dashboard. See exactly where your cash sits across entities, subsidiaries, and financial institutions—with automatic daily updates that eliminate manual reconciliation. Your team gains instant visibility into available balances, pending transactions, and total liquidity for faster, more confident decision-making.
AI-Powered Cash Flow Forecasting
Predict cash with confidence—powered by intelligent automation.
Centime's AI-powered forecasting syncs directly with your ERP, analyzes historical payment patterns, and automatically generates rolling 13-week cash forecasts that update in real-time as AP, AR, and expenses flow through your system. The platform learns from your business cycles and predicts future cash positions with increasing accuracy.
Integrated AP & AR for Complete Cash Control
See how every payment and collection impacts your treasury position.
Treasury management starts with understanding cash inflows and outflows. Centime integrates best-in-class AP and AR automation directly into your treasury platform:
Accounts Payable Automation
AI-powered invoice processing with OCR and intelligent coding
Automated approval routing based on your workflows
Multiple payment methods: ACH, card, check, wire
3-way PO matching with issue flagging
Accounts Receivable Automation
AI-driven collections with automated reminders
Customer payment portal with Autopay
Compliant credit card surcharging
Payment method tokenization and storage
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What-If Scenario Planning
Model financial decisions before you make them.
CFOs and Controllers need to answer tough questions fast. Centime's scenario planning tools let you model these decisions in minutes—not hours of spreadsheet work. Test different timing assumptions, compare cash flow impacts side-by-side, and make strategic decisions backed by real-time data.
High-Yield Business Banking with FDIC Protection
Make every dollar work harder—with bank-level security.
Centime collaborates with FNBO (Member FDIC) to offer high-yield business checking accounts that put your operating cash to work. Unlike traditional treasury accounts that earn zero interest, Centime helps you optimize every dollar.
Working Capital Credit When You Need It
Access capital without the traditional banking hassle.
Growth opportunities don't wait for your cash cycle. Centime partners with trusted lenders to offer seamless access to working capital credit lines and business credit cards—with quick online applications and transparent terms.
Centime vs. Other Treasury Management Solutions
Other Treasury Management Solutions
Target Market
Built exclusively for SMBs and mid-market ($20M-$500M revenue)
Built for large enterprises with $500M+ revenue
Implementation Time
7-21 days with guided, ERP-embedded onboarding
3-12 months with IT projects and consultants
Pricing
Transparent mid-market pricing based on volume
$100K-$500K+ annually with hidden fees
ERP Integration
Requires custom integration projects; bolt-on solutions
AP Automation
Advanced AI-powered AP with OCR and 3-way matching
Separate solution or basic functionality
Cash Forecasting
Automated 13-week rolling forecast with AI predictions
Static forecasts requiring manual updates
Bank Aggregation
Real-time aggregation across all banks, daily updates
Manual feeds or limited connectivity
Working Capital Access
Seamless access to credit lines and credit cards
Not included; requires separate relationships
FDIC Protection
Automated insured sweeps through ICS network
Manual management of multiple banks
Scenario Planning
Built-in what-if modeling with visual comparisons
Limited or requires separate BI tools
Payment Methods
Native ACH, cards, checks, wire with surcharging
Basic ACH; cards require third-party processors
User Interface
Intuitive, modern design for finance teams
Complex; requires extensive training
Support Model
Dedicated Customer Success Manager
Email-only with slow response times
Built for Modern Finance Teams
Centime Treasury Management is part of the broader Centime ecosystem—unifying AP, AR, cash forecasting, expense management, and banking into one platform. Every payment, collection, and transaction flows seamlessly into your treasury view, ERP, and financial reporting.
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
What Centime Users Say
“Centime is helping us solidify the financial foundation to support our growth—across our club, stadium, academy, and second team.”
Industry
Spectator Sports
Employees
10,000+
Centime AI
Ready to Transform Your Treasury Management?
Frequently Asked Questions
What makes Centime different from enterprise treasury management systems?
Centime is built exclusively for SMBs and mid-market businesses. Unlike enterprise TMS platforms that cost $100K-$500K+ annually and take 3-12 months to implement, Centime offers transparent pricing and goes live in 7-21 days.
We focus on the treasury capabilities growing businesses actually need—real-time cash visibility, automated forecasting, AP/AR integration, and working capital access—without the complexity of features designed for Fortune 500 companies. Plus, we embed directly into NetSuite, Sage Intacct, and QuickBooks, so there's no separate system to learn.
We focus on the treasury capabilities growing businesses actually need—real-time cash visibility, automated forecasting, AP/AR integration, and working capital access—without the complexity of features designed for Fortune 500 companies. Plus, we embed directly into NetSuite, Sage Intacct, and QuickBooks, so there's no separate system to learn.
How long does implementation take?
Most customers are fully live in 7-21 days, depending on complexity and availability. Because we embed directly into your ERP, there's no lengthy custom integration project.
Our dedicated onboarding specialists guide you through setup, data migration, and user training—dramatically faster than traditional TMS platforms that require 3-12 months and significant IT resources.
Our dedicated onboarding specialists guide you through setup, data migration, and user training—dramatically faster than traditional TMS platforms that require 3-12 months and significant IT resources.
Can Centime replace our separate AP and AR systems?
Yes—that's exactly what we're designed to do. Centime unifies AP automation, AR automation, cash flow forecasting, and banking into one integrated platform. When your AP team processes invoices and schedules payments, that data flows automatically into your cash forecast.
When AR collects customer payments, your liquidity position updates in real-time. This eliminates the data silos and manual reconciliation required when using separate point solutions.
When AR collects customer payments, your liquidity position updates in real-time. This eliminates the data silos and manual reconciliation required when using separate point solutions.
How does cash flow forecasting work?
Centime provides automated, AI-powered 13-week rolling cash forecasts that update in real-time as your AP, AR, and expenses flow through the system.
The platform analyzes historical payment patterns, learns from your business cycles, and predicts future cash positions with increasing accuracy. You can also run what-if scenarios to model different decisions and see their impact on your cash position before committing.
The platform analyzes historical payment patterns, learns from your business cycles, and predicts future cash positions with increasing accuracy. You can also run what-if scenarios to model different decisions and see their impact on your cash position before committing.
What banking services does Centime offer?
Centime partners with FNBO (Member FDIC) to offer high-yield business checking accounts that earn competitive APY on operating cash.
We also provide intelligent bank diversification through ICS (Insured Cash Sweep), which automatically spreads deposits above $250,000 across a network of FDIC-insured banks to protect your capital. Additionally, Centime aggregates all your existing bank accounts into one real-time dashboard.
We also provide intelligent bank diversification through ICS (Insured Cash Sweep), which automatically spreads deposits above $250,000 across a network of FDIC-insured banks to protect your capital. Additionally, Centime aggregates all your existing bank accounts into one real-time dashboard.
Is Centime secure and compliant?
Absolutely. Centime maintains bank-level security with 256-bit encryption, SOC 2 Type II certification, and PCI DSS compliance.
All banking services are provided through FNBO (Member FDIC), and we follow strict financial industry standards and regulations. Your data is protected with multi-factor authentication, role-based access controls, and continuous security monitoring.
All banking services are provided through FNBO (Member FDIC), and we follow strict financial industry standards and regulations. Your data is protected with multi-factor authentication, role-based access controls, and continuous security monitoring.
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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.
††2.50% Annual Percentage Yield (APY) as of 11/17/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††2.50% Annual Percentage Yield (APY) as of 11/17/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.