Your finance team's single source of truth for cash positioning.
Stop logging into six different bank portals. Centime aggregates all your bank accounts, credit cards, and financial data into one real-time dashboard. See exactly where your cash sits across entities, subsidiaries, and financial institutions—with automatic daily updates that eliminate manual reconciliation. Your team gains instant visibility into available balances, pending transactions, and total liquidity for faster, more confident decision-making.
Predict cash with confidence—powered by intelligent automation.
Centime's AI-powered forecasting syncs directly with your ERP, analyzes historical payment patterns, and automatically generates rolling 13-week cash forecasts that update in real-time as AP, AR, and expenses flow through your system. The platform learns from your business cycles and predicts future cash positions with increasing accuracy.
See how every payment and collection impacts your treasury position.
Treasury management starts with understanding cash inflows and outflows. Centime integrates best-in-class AP and AR automation directly into your treasury platform.
- AP: AI-powered invoice processing, automated approval routing, and 3-way PO matching, with ACH, card, check, and wire payments
- AR: AI-driven collections, a self-service customer portal with Autopay, and compliant surcharging with tokenized payment storage
Model financial decisions before you make them.
CFOs and Controllers need to answer tough questions fast. Centime's scenario planning tools let you model these decisions in minutes—not hours of spreadsheet work. Test different timing assumptions, compare cash flow impacts side-by-side, and make strategic decisions backed by real-time data.
Make every dollar work harder—with bank-level security.
Centime collaborates with FNBO (Member FDIC) to offer high-yield business checking accounts that put your operating cash to work. Unlike traditional treasury accounts that earn zero interest, Centime helps you optimize every dollar.
Access capital without the traditional banking hassle.
Growth opportunities don't wait for your cash cycle. Centime partners with trusted lenders to offer seamless access to working capital credit lines and business credit cards—with quick online applications and transparent terms.
Why Finance Teams Love Centime Treasury Management
Real-Time Cash Positioning
Aggregate all bank accounts and financial data into one unified dashboard. Know your exact cash position across every entity and institution—updated automatically every day.
AI-Powered Forecasting
Automated 13-week rolling cash forecasts that update in real-time as AP, AR, and expenses flow through your system. Predict shortfalls weeks in advance, not hours.
Embedded in Your ERP
Native integration with NetSuite, Sage Intacct, and QuickBooks. Every payment and collection flows directly into your treasury view—no manual exports or reconciliation.
What-If Scenario Planning
Model financial decisions in minutes. Test different timing assumptions, compare cash impacts, and answer "what if" questions before making commitments.
High-Yield Banking
Earn competitive APY on operating cash while maintaining instant access. Includes automatic FDIC-insured sweeps to protect capital above $250,000.
Centime vs. Other Treasury Management Solutions
| Features | | Other Treasury Management Solutions |
|---|---|---|
| Target Market | Built exclusively for SMBs and mid-market ($20M-$500M revenue) | Built for large enterprises with $500M+ revenue |
| Implementation Time | 7-21 days with guided, ERP-embedded onboarding | 3-12 months with IT projects and consultants |
| Pricing | Transparent mid-market pricing based on volume | $100K-$500K+ annually with hidden fees |
| ERP Integration | Native embedding in NetSuite, Sage Intacct, QuickBooks | Requires custom integration projects; bolt-on solutions |
| AP Automation | Advanced AI-powered AP with OCR and 3-way matching | Separate solution or basic functionality |
| AR Automation | Integrated AR with AI collections and customer portal | Separate solution or not included |
| Cash Forecasting | Automated 13-week rolling forecast with AI predictions | Static forecasts requiring manual updates |
| Bank Aggregation | Real-time aggregation across all banks, daily updates | Manual feeds or limited connectivity |
| Working Capital Access | Seamless access to credit lines and credit cards | Not included; requires separate relationships |
| Interest on Cash | High-yield checking with competitive APY | Zero interest on payment/merchant accounts |
| FDIC Protection | Automated insured sweeps through ICS network | Manual management of multiple banks |
| Scenario Planning | Built-in what-if modeling with visual comparisons | Limited or requires separate BI tools |
| Payment Methods | Native ACH, cards, checks, wire with surcharging | Basic ACH; cards require third-party processors |
| User Interface | Intuitive, modern design for finance teams | Complex; requires extensive training |
| Support Model | Dedicated Customer Success Manager | Email-only with slow response times |
Built for Modern Finance Teams
Centime Treasury Management is part of the broader Centime ecosystem—unifying AP, AR, cash forecasting, expense management, and banking into one platform. Every payment, collection, and transaction flows seamlessly into your treasury view, ERP, and financial reporting.
Frequently Asked Questions
What makes Centime different from enterprise treasury management systems?
Centime is built exclusively for SMBs and mid-market businesses. Unlike enterprise TMS platforms that cost $100K-$500K+ annually and take 3-12 months to implement, Centime offers transparent pricing and goes live in 7-21 days. We focus on the treasury capabilities growing businesses actually need—real-time cash visibility, automated forecasting, AP/AR integration, and working capital access—without the complexity of features designed for Fortune 500 companies. Plus, we embed directly into NetSuite, Sage Intacct, and QuickBooks, so there's no separate system to learn.
How long does implementation take?
Most customers are fully live in 7-21 days, depending on complexity and availability. Because we embed directly into your ERP, there's no lengthy custom integration project. Our dedicated onboarding specialists guide you through setup, data migration, and user training—dramatically faster than traditional TMS platforms that require 3-12 months and significant IT resources.
Can Centime replace our separate AP and AR systems?
Yes—that's exactly what we're designed to do. Centime unifies AP automation, AR automation, cash flow forecasting, and banking into one integrated platform. When your AP team processes invoices and schedules payments, that data flows automatically into your cash forecast. When AR collects customer payments, your liquidity position updates in real-time. This eliminates the data silos and manual reconciliation required when using separate point solutions.
How does cash flow forecasting work?
Centime provides automated, AI-powered 13-week rolling cash forecasts that update in real-time as your AP, AR, and expenses flow through the system. The platform analyzes historical payment patterns, learns from your business cycles, and predicts future cash positions with increasing accuracy. You can also run what-if scenarios to model different decisions and see their impact on your cash position before committing.
What banking services does Centime offer?
Centime partners with FNBO (Member FDIC) to offer high-yield business checking accounts that earn competitive APY on operating cash. We also provide intelligent bank diversification through ICS (Insured Cash Sweep), which automatically spreads deposits above $250,000 across a network of FDIC-insured banks to protect your capital. Additionally, Centime aggregates all your existing bank accounts into one real-time dashboard.
Is Centime secure and compliant?
Absolutely. Centime maintains bank-level security with 256-bit encryption, SOC 2 Type II certification, and PCI DSS compliance. All banking services are provided through FNBO (Member FDIC), and we follow strict financial industry standards and regulations. Your data is protected with multi-factor authentication, role-based access controls, and continuous security monitoring.
Ready to Transform Your Treasury Management?
See how Centime connects real-time cash visibility, AI-powered forecasting, and high-yield banking on the same platform that runs your AP and AR.