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Control and manage cash flow for your business with Centime.

Cash flow matters. Gain control with Centime.

Monitor and Forecast Cash flows

Monitor & Forecast Cash Flows

With Centime’s cash flow forecasts, gain insight into what payments are coming in and going out in advance, making it easier for you to make better decisions for your business.

View Your Finances in One Holistic View

View the full financial picture for your business by viewing accounts across all financial institutions and monitor your balances in one dashboard.

Automatically Forecast Cash Flows

Look ahead to view cash flow forecasts on a rolling basis. This provides you with up-to-date visibility over your cash today and tomorrow.

Model Cash Flow Scenarios Based on Future Plans

With Centime, you can build models that align with your objectives, adjust predictions and test scenarios to understand the potential impact on cash flow.

Manage Payables

Manage Payables

Simplify and streamline your accounts payable with Centime’s cash flow forecasts—identify who, when and how to pay to make the most of your cash resources.

Visualize How Payments Effect Cash Flow

Gain insight into how your upcoming payments will affect cash flow forecasts. Assess the impact of payments to your business and access integrated credit to unlock cash.

Pay Anyone Using Any Payment Method

Simply decide who and when to pay, and select a payment method — check, ACH, your credit card or CentimeCard — and let Centime take care of the rest.

Mitigate Fraud

Authorize payments and mitigate both external and internal fraud risks through segregation of duties, dual approvals, audit trails and automated remittance communication.

Automate Payment Posting and Remittance Communications

Payments automatically post back to your General Ledger, together with emails sent to suppliers when payments are scheduled and executed, complete with detailed remittance information.

Increase Electronic Payments with Automated Supplier Enrollment

Integration with payment networks identifies card-accepting suppliers to help you increase electronic payment adoption with your vendors, maximizing capital and access to rebates.

Manage Receivables

Manage Receivables

An effective collections process begins with knowing who owes you, how much is owed, when you will get paid and how it will impact your cash flow.

Know When You Will Get Paid and Proactively Manage Collections

Some customers pay early while others pay late. Identify customer behavior to confidently predict when you will be paid. Custom automated reminder campaigns sent to customers can help encourage timely payment and reduce the risk of write-offs.

Visualize How Receivables Impact Cash Flow

Outstanding invoices are reflected back to your cash flow forecast in real time to help you assess the impact to your business.

Accept Online Payments and Apply Received Cash to Open Invoices

Make it easy for customers to pay you using ACH or credit card. You can also automatically cash to open receivables.

Key Performance Indicators

Key Performance Indicators

Generate key performance indicators on accounts payable, accounts receivable and cash flow to improve decision-making — then analyze that data to reveal transformative insights.

Analyze Cash Flow Performance

Visualize your success and quickly identify trends with an overview of the key elements of the cash flow lifecycle: cash flow, payables and receivables.

Track Metrics Key to Cash Flow Control

Count on the KPIs used by top companies to benchmark your performance over multiple periods. Get closer to the unique set of numbers that drive your own business.

Compare and Contrast Previous Performance

Customize period comparisons to easily spot trends early and make adjustments to ensure continued success.

Access Working Capital

Access Working Capital

Quickly and securely determine the best credit solution for your business.

Increase Working Capital by Paying with Credit

Make the most of the credit available to you and leverage 20-50 additional days of working capital.

Access New Credit and Pay with CentimeCard

Quickly and simply gain access to a new line of credit, CentimeCard, a virtual card designed to pay card-accepting suppliers.

Make Secure Payments and Track Them Easily

Avoid sharing banking details by paying with virtual card and track payments along the way.

FNBO Global Banking

Centime is a cloud-based software that helps businesses control and manage their cash flow through a variety of lenses.

Frequently Asked Questions (FAQs)

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Ready to try Centime for free? Here’s what you can expect.

Free Trial

Try Centime for free for 30 days and leverage all the benefits it offers at no cost.

Free Training

Our product and customer success teams will train you and your staff on Centime’s features and functions.

Ongoing Support

You’ll receive ongoing support and additional training, as needed. Our experts are always eager to answer your questions.

Provide Feedback

Your feedback is important and will help us make meaningful product improvements to Centime.

Interested in learning more or starting your free trial? Contact our team to get started.