Release trapped cash and make the most of available credit
Reduce Days Sales Outstanding (DSO), lengthen Days Payables Outstanding (DPO), use cash flow forecasts to smartly tap into credit as and when needed
Maximize your working capital by anchoring your AP, AR and credit management in cash flow forecasts
Optimize payables to increase cash on hand
Use the cash flow forecast as a guide to determine who to pay, how much, when, and how. Make smarter payment decisions to stretch DPOs and maximize working captal.


Automate collections to release trapped cash
Automating your collections processes to nudge your customers about invoice payments before they are due. The result: shorter DSOs and increased working capital
Pay any supplier with any credit card
Use any business or commercial card to pay any supplier, even when cards are not accepted. Stretch payables by 20-50 days and improve your working capital.
Use CentimeCard to more easily pay more suppliers
Every payment made on a credit stretches the payable by 20-50 days for no additional cost. Use CentimeCard and embedded supplier enrollment to maximize card spend and optimize cash on hand.
Earn cash back by using credit cards to make AP payments
Use any credit card, pay any supplier and use the resulting rebates and cash back to add to your working capital

What does it mean to maximize your working capital?
$178,000
increase in working capital to support your business' goals
15%
increase in Days Payable Outstanding (DPOs) to boost working capital
25%
reduction in Day Sales Outstanding (DSOs) to boost working capital
“SMEs often overlook or underestimate the utility of their current banking relationships and, in many cases, unused credit line, to support their working capital needs. Short-term credit can smooth cash flows and accommodate seasonality while freeing bandwidth for CFOs and treasurers to focus on their most urgent strategic imperatives.”

Frequently asked questions
CentimeCredit is a family of working capital solutions that provide businesses with convenient liquidity when they need it. Today, CentimeCredit is anchored CentimeCard, a commercial card solution that can provide 20-50 days of additional terms on accounts payable (AP) payments at no additional cost
Yes! Once you have connected your General Ledger to Centime you can apply directly through our platform. We have created a simple and streamlined process to enable application and approval of the relevant CentimeCredit solutions.
Yes, of course! With Centime, you can pay your business's bills with an existing credit card or with CentimeCard, and we'll ensure your vendor gets a check in the mail or via a direct bank transfer.
CentimeCard can be used to pay any vendor through our platform.
Paying with a card helps businesses defer the cash impact of paying bills on time. That way, you can hold on to your cash, while getting the items you need to do business now. Additionally, you can earn card rewards like cash back, miles and points, and take advantage of early-pay discounts from your vendors, suppliers and distributors.
Monitor & Forecast Cash Flow Make the best decisions for your business.
Manage payablesWhen you know your position,
you can determine who, what and how to pay.
Manage receivablesCreate campaigns and enabling payment methods helps you
get paid faster.
Monitor KPIsOur key performance indicators help you track and meet goals.
Monitor & Forecast Cash Flow Make the best decisions for your business.
Manage payables When you
know your position, you can determine who, what and how to pay.
Manage receivablesCreate campaigns
and enabling payment methods helps you get paid faster.
Monitor KPIs Our key performance indicators
help you track and meet goals.
Monitor & Forecast Cash Flow Make the best decisions for your business.
Manage payables When you
know your position, you can determine who, what and how to pay.
Manage receivablesCreate campaigns
and enabling payment methods helps you get paid faster.
Monitor KPIsOur key performance indicators
help you track and meet goals.
Monitor & Forecast Cash Flow Make the best decisions for your business.
Manage payablesWhen you know your position, you can determine who, what and how to pay.
Manage receivablesCreate campaigns and enabling payment methods helps you get paid faster.
Monitor KPIsOur key performance indicators help you track and meet goals.