Looking ahead to 2022

December 23, 2021
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3 mins
With input from our partners and Early Access Program (EAP) clients, my colleagues and I are eager to share our full Cash Flow Control solution in the new year

Cheers to 2022! Throughout the last 12 months, my colleagues at Centime and I have been building our Cash Flow Control solution, incorporating numerous ideas from our bank partners and Early Access clients along the way. Now, looking forward, we can’t wait to unveil all the many product updates early in the new year.


You might have been working with our customer success, sales, product development or design teams in recent weeks and months. If you and I haven’t interacted directly, I wanted to introduce myself and thank you for your incredible feedback and valuable suggestions, which have improved our product as well as our processes as we drive towards a broader roll out of Centime Cash Flow Control in 2022. As a member of the SMB community myself, I know that Centime’s partners and EAP clients care about supporting the  millions of small and mid-sized businesses that form the backbone of the American economy — and I believe that by helping us refine our solution, you are doing just that.

Like many of you, I am a founder, a CEO and an entrepreneur. As someone who has launched multiple businesses, I have encountered many of the same problems and opportunities as you have throughout the course of my career. They can be harrowing or thrilling — sometimes both simultaneously — but, more often than not, navigating a tricky period or seizing the chance to expand requires access to cash. As the pandemic continues to disrupt labor markets, supply chains and customer demands, it feels not only prudent but also invigorating to imagine the possibilities raised by our rapidly changing world. Complicated and sometimes difficult days inevitably lie ahead — but throughout history, innovation and technological advancement have emerged from unusual circumstances.

We’re trying to solve a serious problem by designing a solution that helps businesses control and manage cash flow, the complexities of which are intertwined and sprawling. There are many reasons why a simple, yet comprehensive solution to cash flow management has yet to be made available by a bank or another fintech — much less developed by any individual small or mid-sized business. It’s a tough nut to crack, and our own holiday reading explores why that’s the case. A paper from Yale School of Management published on Nov. 25, 2021, and titled, “On the Nature of Working Capital: Understanding its Mysteries and Complexities,” opens with a quote from Dell Technologies founder and CEO Michael Dell.

“We were always focused on our profit and loss statement. But cash flow was not a regularly discussed topic. It was as if we were driving along, watching only the speedometer, when in fact we were running out of gas,” Dell said, indicating that even large enterprises struggle with cash flow. The paper’s authors, David Cotton, Trish Higgins, James Higgins and A.J. Wasserstein, aptly note: “While this topic is wonky and lacks the glamour of strategy, it can be a huge driver of business success.”

I think you’ll enjoy reading and contemplating the full article, available here. With so much uncertainty in the world, coupled with an ever-more-competitive landscape, it’s all the more critical to keep up leading research, as well engage with partners and technologies that give your business its best chance to maximize its potential. 

Centime’s EAP  clients understand how critical cash flow is to the health, stability and growth potential of their businesses. Together, we’ve been refining a compelling package of features and functions that will powerfully bring together all aspects of cash flow management in one accessible, dynamic solution. After listening to our current clients, Centime’s product and engineering teams we have made enhancements that you will see in the next few weeks, and an updated product roadmap for 2022  that we’d love to get your feedback on. 

We are excited to share the results of many months of behind-the-scenes development work, and recognize that the pandemic gives the year ahead a sheen of precarity. In the quiet of the end of the year, we’re reflecting on where we’ve been and where we’re headed. If you have interacted with any member of our team, you know that we are all problem solvers energized by tackling tough problems, and that we care deeply about helping businesses thrive.

We wish you and your business an incredible new year: It’s time to grow and evolve together.


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Centime CEO BC Krishna to speak Nov. 18 at 11am CST
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November 17-18, 2021
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Gain insights and learn strategies in our eBook, 'Cash Flow Control: a matter of life and death.'