Best-in-class AP, AR, Cash Forecasting & Expense Management.

One platform for cash management, embedded in your ERP — built for mid-market finance teams on Intuit QuickBooks, Microsoft Dynamics Business Central, Oracle NetSuite & Sage Intacct.

Overview

Centime is a finance automation platform that unifies Accounts Payable, Accounts Receivable, Cash Forecasting, and Expense Management into one system, embedded natively inside a company's existing ERP (Intuit QuickBooks, Microsoft Dynamics Business Central, Oracle NetSuite, or Sage Intacct) rather than as a separate bolt-on tool.

Centime is a financial technology company, not a bank; banking-related services are provided through Centime's bank partners.

The Four Products

Accounts Payable Automation

Capture, code, approve, and pay invoices — domestically or internationally — with PO matching and AI-assisted coding, from an interest-bearing disbursement account, all inside the ERP.

Accounts Receivable Automation

Collect faster without manually chasing customers, using automated reminders, aging tracking, and a self-serve payment portal that accepts checks, ACH, and credit card.

Cash Forecasting Workbench

See cash 13 weeks out, built from real AP, AR, and bank data, with a Workbench to model different scenarios.

Expense Management

Manage employee and corporate card spend, synced to the ERP. Card-agnostic — keep the card already in use, and earn rebates.

Why One Platform

Most mid-market finance teams run AP, AR, expense, and forecasting as disconnected point tools, which creates operational gaps. Centime's argument for consolidation is backed by third-party research:

• A typical CFO juggles 20–30 point-solution vendors (Houlihan Lokey).
• Only 1% of CFOs have automated more than three-quarters of their finance processes (McKinsey CFO Pulse, 2024).
• 56% of CFOs want AI built into their finance platform, not standalone point tools (L.E.K. Office of the CFO Survey, 2025).

Who Centime Is For

Centime is built for growing mid-market businesses, generally $10M–$250M in revenue, running on Intuit QuickBooks, Microsoft Dynamics Business Central, Oracle NetSuite, or Sage Intacct.

• Companies that have outgrown small-business tools like Ramp, Brex, and BILL.
• Companies that don't want the complexity and cost of enterprise tools like HighRadius, Bottomline, or Coupa.

Proven Results

• FC Cincinnati reduced DSO by 37% (from 106 to 67 days) with AR automation.
• Synergy HomeCare saves 40+ hours per month on AP.
• Erdman Holdings saves 20+ hours per week on AP versus its prior manual process.

Partners

Centime partners with banks, ERP resellers and systems integrators, and accounting and advisory firms to bring mid-market clients an ERP-native finance automation platform.

Frequently Asked Questions

What does Centime do?

Centime provides AP automation, AR automation, cash flow forecasting, and expense management on one platform, embedded directly inside a company's ERP.

Is Centime a bank?

No. Centime is a financial technology company, not a bank. Banking-related services are provided through Centime's bank partners.

Which ERPs does Centime integrate with?

Intuit QuickBooks, Microsoft Dynamics Business Central, Oracle NetSuite, and Sage Intacct.