Centime

All-in-One Finance Automation and Business Banking Software for Mid-Market Companies.

by Centime · Treasury & Cash Management

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

  • Intuit QuickBooks
  • Microsoft Dynamics Business Central
  • Oracle NetSuite
  • Sage Intacct

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)

Ratings & Reviews

G2: 4.9/5 · Capterra: 4.5/5

About Centime

Centime provides cash management solutions for businesses, integrating accounts payable, accounts receivable, expense management, treasury, forecasting, and banking into one platform.

Founded: 2021 · Headquarters: Boston, United States · Employees: 51-200 · Private