Finance Automation that Builds Construction Profitability
End-to-end finance automation tailored for construction.
AI Invoice Data Capture
Automated from inbox to ERP. Centime scans invoices — even scanned PDFs and supplier-specific formats — and extracts header and line-level details. No templates to set up. No humans needed to code line items. Just fast, clean data flowing into your ERP.
Adaptive GL + Job Cost Coding
Coding that learns how you build. Whether you use cost codes, project tags, or both, Centime learns how you classify spend and applies it automatically. Our AI adapts to your GL structure and project hierarchy, reducing errors and cleanup at close.
PO & Receiving Match
Prevent mismatched bills — before they hit the ledger. Centime compares vendor invoices to associated POs and receipts. Quantity mismatch? Missing PO? Our platform flags it immediately, so you can resolve issues before invoices are approved and paid.
Automated Approval Workflows
Keep payments moving, even in the field. Customize routing policies by vendor, department, or amount, with real-time notifications and secure access for your approvers.
Subcontractor Payment Tools
Support complex, multi-vendor workflows. From lien waivers to multi-tiered vendor payments, Centime handles construction-specific complexity with flexibility — including audit trails, document attachments, and approval routing by project, role, or spend.
Embedded Banking & Yield on AP Funds
Put idle cash to work. If you choose Centime Banking, your AP balances can earn a high yield while you wait for approval deadlines or due dates. It's a risk-free way to turn your payable cycle into an asset — not a liability.
Collections & AR Automation
Faster receivables, fewer bottlenecks. Centime helps you invoice customers promptly, follow up automatically, and give them a portal to pay online. Whether it's final payments or progress billing, you'll reduce DSO and get paid before the next job starts.
Live Cash Flow Forecasting
See what’s ahead — across every project. Centime pulls actuals from AP, AR, and your bank balances to forecast cash flow across jobs and time periods. Run what-if scenarios, model delays or wins, and plan your next project confidently.
Why construction teams choose Centime finance automation
Less Manual Entry
AI captures and codes invoices instantly — no templates, no rework. Free your team from data entry and reduce errors.
Embedded in Your ERP
Built directly into NetSuite and Sage Intacct, and a deep integration with QuickBooks. No sync issues, no plug-ins — just seamless, real-time updates.
Flexible Vendor Payments
Pay by ACH or check using your bank or ours. No forced payment networks or provider changes.
Vendor Portal Access
Subcontractors and suppliers can track payments in real time — fewer "where’s my check?" calls.
Project-Level Controls
Tag AP and AR by project to get real-time visibility into job costs and cash flow — all within your ERP.
Fast Onboarding
Go live in 2–3 weeks with tailored workflows and expert setup. No IT headaches.
Centime vs. Other AP Tools: What Sets Us Apart in the Construction Industry
| Features | | Other AP Tools |
|---|---|---|
| ERP Integration | Fully embedded in NetSuite, Sage Intacct, and QuickBooks. Real-time sync, no plug-ins needed. | Sync-based or bolt-on integrations |
| PO Matching | Automated 2- and 3-way matching with AI to flag issues automatically. | Basic matching; manual review required. |
| Project-Level Tagging | Native support for job codes and project-level cost tracking. | Often reliant on ERP custom fields. |
| Vendor Portal | Real-time self-service portal for subs and suppliers. | Usually no portal or limited access. |
| AR Automation | Built-in AR module: invoice delivery, reminders, customer payments. | No AR support at all. |
| Cash Flow Forecasting | Live, ERP-connected forecasting with what-if modeling. 13-week rolling forecasts. | Typically unavailable or spreadsheet-only. |
| Embedded Banking & Yield | Optional high-yield account to earn APY on payable balances. | No banking, no way to earn on AP funds. |
| Multi-Entity Support | Scales easily across entities and invoice volume. | Requires workarounds or headcount. |
What Centime customers 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.
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.
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.
Built for Modern Finance Teams
Centime isn't just automating AP — it's part of a fully unified finance platform. From accounts payable and receivable to treasury, forecasting, and expense management, Centime centralizes your workflows inside your ERP, so your team can shift from operational busywork to strategic finance leadership.
Frequently asked questions
What is AP automation?
Accounts payable automation software replaces manual tasks like data entry, GL coding, approval routing, and vendor payments. With AP automation, your team can process more invoices with fewer errors and faster turnaround.
Do I need to change my bank to use Centime?
Nope. You can keep your existing banking relationships. Centime works with check payments through any bank, and for ACH payments, we can either transmit NACHA files via secure FTP if your bank supports it, or connect you with a partner bank familiar with construction and AP automation.
How does Centime process ACH payments?
Centime gives you two options: use your bank (we'll help you set up NACHA file delivery by secure FTP), or use Centime Banking — we partner with FNBO to offer embedded ACH processing and a high-yield AP account.
Does Centime integrate with my ERP?
Yes. Centime is natively embedded in NetSuite, Sage Intacct, QuickBooks Online, and QuickBooks Desktop. That means real-time sync, no plugins, and a seamless user experience.
How long does it take to go live?
Most customers go live in 7–21 days, with expert onboarding and minimal lift from your IT team.
Can Centime handle multiple entities or locations?
Absolutely. Centime supports multi-entity and multi-location structures, with flexible approval workflows, role-based permissions, and consolidated reporting.
How does Centime support job-level coding and project tracking?
Centime mirrors the job and project dimensions in your ERP, so every invoice and payment can be tagged appropriately. You get real-time visibility into project costs, cash flow, and profitability — no spreadsheets needed.
Can project managers approve invoices from the field?
Yes. With Centime's mobile-friendly approval workflows, project managers and field teams can review and approve invoices anytime, from any device.
What if an invoice doesn't match a PO or receipt?
Centime's AI-powered PO matching catches discrepancies in quantity, price, or missing documentation. Your team is alerted before approval, so issues get resolved early — not after payment.
Can vendors see their payment status?
Yes. Vendors get secure, self-service access to a portal where they can view invoice and payment status in real time. It cuts down on email follow-ups and builds trust.
What AR tools are included in Centime?
Centime includes AR automation features like invoice delivery, payment reminders, online payment portals, and customer tracking. Perfect for construction companies that want to reduce DSO and get paid faster.
How does Centime help improve cash flow forecasting in construction?
Centime provides a live, rolling 13-week cash forecast using your real-time AP, AR, and bank data. You can model what-if scenarios — like delayed collections or project changes — and see the impact on cash before it happens.
What kind of support does Centime provide?
Every customer gets white-glove onboarding and ongoing access to our responsive support team. We know finance automation is mission-critical — and we're here to keep it running smoothly.
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.