Centime
All-in-One Finance Automation and Business Banking Software for Mid-Market Companies.
Executive Summary
Centime is a comprehensive finance automation platform designed for mid-market companies, unifying Accounts Payable (AP), Accounts Receivable (AR), expense management, and cash flow forecasting. It empowers finance teams with AI-driven automation to streamline operations, gain real-time cash visibility, and optimize working capital. The platform differentiates itself by offering high-yield business banking and deep integration with leading ERPs, enabling businesses to manage their entire finance operation from a single system and turn AP into a profit center.
Use Cases
- Automating the entire Accounts Payable process from invoice capture and approvals to vendor payments and reconciliation.
- Streamlining Accounts Receivable collections through AI-driven workflows, automated reminders, and a self-service customer portal.
- Generating accurate cash flow forecasts and conducting 'what-if' scenario planning to optimize liquidity and working capital.
- Managing employee expenses with real-time tracking, automated approvals, and policy enforcement.
- Improving financial control and reducing operational costs by unifying disparate finance functions into a single platform.
- Leveraging high-yield business banking to earn interest on vendor payments and offset automation costs.
Features
Visibility
- Real-time Cash Flow Visibility: Provides a unified, real-time view of cash inflows and outflows, enabling finance teams to monitor liquidity and make informed decisions.
- KPI Tracking & Performance Monitoring: Tracks key financial performance indicators (KPIs) and offers customizable dashboards to monitor business health and identify trends.
- Invoice Lifecycle Visibility: Offers complete transparency into the status of all invoices, from capture and approval to payment and reconciliation.
- Burn Rate Monitoring: Displays vital metrics like burn rate on dashboards for instant visibility, aiding executives in strategic financial planning.
Intelligence
- AI-Powered Invoice Capture & Coding: Automates the extraction and categorization of invoice data, including 3-way PO matching, eliminating manual entry and reducing errors.
- Predictive Cash Flow Forecasting: Generates accurate 13-week rolling cash forecasts and allows for 'what-if' scenario modeling based on real-time data.
- AI-Driven AR Collection Workflows: Automates collection efforts with intelligent, customizable workflows and reminders that adapt to customer payment behavior.
- Automated Expense Policy Enforcement: Enforces spending policies in real-time, streamlining approvals and ensuring compliance with company guidelines.
Support
- Dedicated Customer Success Manager: Provides personalized support and guidance throughout the customer journey, from onboarding to ongoing optimization.
- Comprehensive Knowledge Base: Offers a self-service portal with articles, guides, and FAQs for users to find answers and troubleshoot issues.
- Email & Chat Support: Provides responsive support through email and chat channels for quick resolution of queries.
- Onboarding & Ongoing Training: Includes structured onboarding processes and continuous training to ensure users maximize platform utility.
Technical Specifications
- Architecture
- Cloud-native SaaS
- Deployment
- Cloud/SaaS
- Authentication
- SSO, Two-Factor Authentication (2FA), Strong Password Policies
- API Available
- No
- MCP Server
- No
Infrastructure
- AWS
- Azure
- GCP
AI/ML Stack
- Machine Learning
- Natural Language Processing
Integrations
- NetSuite
- Sage Intacct
- QuickBooks
- Microsoft Dynamics
Security & Compliance
Certifications: SOC 1, SOC 2 Type II, GDPR, HIPAA, PCI DSS
Encryption: AES-256 at rest, TLS in transit
Pricing
- Model
- Subscription, Volume-based, Modular
- Starting Price
- Starting at $149.00/month; Contact sales for custom quotes
- Target Customer
- SMB to Enterprise (Mid-Market focus), Non-Profit
- Contract Type
- Annual, Multi-year discounts available
- Free Trial
- Yes, Fully functional sandbox account (duration not specified) (credit card required)
About Centime
Centime provides cash management solutions for businesses, integrating accounts payable, accounts receivable, expense management, treasury, forecasting, and banking into one platform.