Apply online, qualify quickly, and access funds in near real-time.
Centime Credit combines a commercial credit card and flexible working capital financing into one integrated platform that helps finance teams manage liquidity more effectively.
Centime Credit combines a commercial credit card and flexible working capital financing into one integrated platform that helps finance teams manage liquidity more effectively. Take the pain out of borrowing, cash visibility and repayment with our line of credit software. Centime is not a stand-alone lender or a disconnected banking system—it is a unified finance system that provides working capital solutions, cash management financing, and accounts payable automation software. Real-time financial data enables businesses to make informed decisions about their cash flow and gain access to capital in a timely manner, all while qualifying rapidly. We bring together the convenience of digital lending with the security and trust of a financial institution, so you can secure the capital your business needs without operational complexity.
Honor supplier payment preferences while maximizing card spend, improving liquidity, and reducing fraud exposure with Centime's integrated commercial credit card solution. Built directly into Centime's accounts payable automation software, our virtual card and supplier payment capabilities help businesses optimize cash flow while extending payables by 20–50 days at no additional cost. Centime enables organizations to automate invoice processing, simplify supplier enrollment, and gain greater visibility into outgoing cash flow, all while maximizing rewards and working capital efficiency.
Centime Credit Line is a flexible, unsecured working capital financing solution designed for SMB finance teams that need fast access to liquidity without the delays of traditional banking. Businesses can access cash in near real-time using Centime's integrated line of credit software and only pay for the funds they use. With transparent pricing, no hidden fees, and no prepayment penalties, Centime helps organizations manage operating expenses, stabilize cash flow, and support growth initiatives more effectively. Integrated forecasting and cash visibility tools help finance leaders make informed borrowing decisions and proactively manage working capital.
Securely complete an online application in minutes with a streamlined, secure, and hassle-free experience.
Qualify quickly using company balance sheets, ERP data, and cash flow reports without excessive paperwork.
Use Centime's flexible working capital line of credit for payroll, supplier payments, operating expenses, or strategic growth investments.
Increase supplier card adoption and maximize rewards through integrated AP payment workflows.
Capture supplier payment preferences, automate payment processing, and streamline vendor onboarding.
Reduce fraud exposure with secure virtual cards, online supplier payments, and automated payment controls.
Centime Working Capital is part of the broader Centime ecosystem—unifying AP, AR, treasury, and banking into one platform, so credit and card spend stay connected to the rest of your cash picture.
Working capital financing helps businesses access short-term funding to support payroll, supplier payments, inventory purchases, and day-to-day operations.
Centime combines working capital financing with integrated cash forecasting and finance automation tools, allowing businesses to access and manage credit more efficiently.
Yes. Centime offers AI-powered accounts payable automation software with invoice capture, approval workflows, supplier payments, and forecasting capabilities.
Centime combines AP automation, treasury management, working capital financing, and ERP integrations into one connected platform for finance teams.
Centime integrates with Intuit QuickBooks, Oracle NetSuite, and Sage Intacct.
Qualified businesses can access working capital funds in near real-time after approval.
See how Centime pairs a commercial credit card and flexible line of credit with the same platform that connects your AP, AR, and cash forecasting. *Centime is a financial technology company, not a bank. All banking products and solutions are provided by FNBO, Member FDIC; FNBO is not responsible for the content of this page. †Subject to credit approval and minimum spend requirements on Centime Credit Card. ‡Earning interest on AP spend requires using a Centime business bank account. APY is offered through FNBO, Member FDIC, and is subject to change.