Secure Working Capital to Grow Your Business
Whether you need cash to meet operating needs or finance growth opportunities, Centime Credit* has you covered. With our streamlined application process, you can apply easily, qualify quickly, and get funded immediately.
*Centime is a financial technology company, not a bank.
*Centime deposit accounts and banking solutions are provided by FNBO. Member FDIC.
"I love the customer service our team has been graced with since starting with Centime. The integration was a simple process and we quickly learned how we could implement all the tools Centime had to offer on our day to day Cash Flow Management."
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Access working capital when you need it
Centime Credit* combines a commercial credit card and a working capital credit line in an integrated package that is flexible, cost-effective and easy to use. Our online application process makes it easy to qualify and access funds quickly.
We're bringing the ease and convenience of an online lender together with the trust and stability of a financial institution, so you don't have to compromise to get the capital your business needs.
Easy Digital Application Process
Securely complete an online digital application. It's convenient, secure and hassle-free.
Quick Qualification
Quickly qualify based on your company balance sheet and cash flow reports.
Get Credit Your Way
Our all-in-one solution makes it easy to get cash to fund expenses like payroll, along with the convenience of a credit card.
Stretch payables and maximize rewards with Centime Credit Card*
Honor supplier preferences while driving card spend and mitigating fraud risk with our secure payment methods. Apply for our commercial credit card, fully integrated with the Centime AP application and optimized to maximize payments to card-accepting suppliers.
Stretch your payables by 20-50 days at no cost and maximize your rewards with our virtual card payment solutions. Honor supplier preferences while driving card spend and mitigate fraud risk with our secure payment methods.
Maximize Card Payments
Drive card spend to maximize rewards by paying card-accepting suppliers with Centime Credit Card*.
Simplify Supplier Payments
Easily engage and enroll card-accepting suppliers, and capture supplier payment terms: payment limits, surcharge fees, etc.
Mitigate the Risk of Fraud
Pay suppliers online, or safely send virtual cards by email. Mitigate risk of fraud by using one of the most secure payment methods available.
Withdraw cash when you need it, and only pay for what you use
Centime Credit Line* is an unsecured working capital line of credit that provides your business with cash in near real-time, when you need it. You only pay for what you use, and you can use the cash for any business purpose you see fit. Additionally, you can pay back early with no penalties.
Top-Rated Invoice Capture Tool
Jennifer Rogers
"With Centime AP, we have streamlined invoice processing and supplier payments. And, our auditors are really happy that we now have strong payment controls."
Drew Pearson
"We only make supplier payments after we understand their impact on future cash. Centime AP includes a cash forecast, and gives our team a view into future cash flows so that we can make strategic choices about who and when to pay."
Working Capital Resources
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††3.5% Annual Percentage Yield (APY) as of 11/19/24. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.