Credit Line and Credit Cards
Working Capital Solutions & Line of Credit Software for Growing Businesses
Whether you need cash to manage operations, improve liquidity, or support business growth, Centime Credit delivers modern working capital solutions designed for finance teams. Apply online, qualify quickly, and access funds in near real-time with integrated cash flow visibility and finance automation.
*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 flexible working capital financing into one integrated platform that helps finance teams manage liquidity more effectively. Take the pain out of borrowing, cash visibility and repayment with our line of credit software.
Centime is not a stand-alone lender or a disconnected banking system-it is a unified finance system that provides working capital solutions, cash management financing, and accounts payable automation software. Real-time financial data enables businesses to make informed decisions about their cash flow and gain access to capital in a timely manner, all while qualifying rapidly.
We bring together the convenience of digital lending with the security and trust of a financial institution, so you can secure the capital your business needs without operational complexity.
Easy Digital Application Process
Securely complete an online application in minutes with a streamlined, secure, and hassle-free experience.
Quick Qualification
Qualify quickly using company balance sheets, ERP data, and cash flow reports without excessive paperwork.
Get Credit Your Way
Use Centime's flexible working capital line of Credit for payroll, supplier payments, operating expenses, or strategic growth investments.
Stretch Payables and Maximize Rewards with Centime Credit Card
Honor supplier payment preferences while maximizing card spend, improving liquidity, and reducing fraud exposure with Centime's integrated commercial credit card solution.
Built directly into Centime's accounts payable automation software, our virtual card and supplier payment capabilities help businesses optimize cash flow while extending payables by 20–50 days at no additional cost.
As one of the top AP automation tools for growing finance teams, Centime enables organizations to automate invoice processing, simplify supplier enrollment, and gain greater visibility into outgoing cash flow, all while maximizing rewards and working capital efficiency.
Maximize Card Payments
Increase supplier card adoption and maximize rewards through integrated AP payment workflows.
Simplify Supplier Payments
Capture supplier payment preferences, automate payment processing, and streamline vendor onboarding.
Mitigate the Risk of Fraud
Reduce fraud exposure with secure virtual cards, online supplier payments, and automated payment controls.
Withdraw Cash When You Need It - Only Pay for What You Use
Centime Credit Line is a flexible, unsecured working capital financing solution designed for SMB finance teams that need fast access to liquidity without the delays of traditional banking.
Businesses can access cash in near real-time using Centime's integrated line of credit software and only pay for the funds they use. With transparent pricing, no hidden fees, and no prepayment penalties, Centime helps organizations manage operating expenses, stabilize cash flow, and support growth initiatives more effectively.
Integrated forecasting and cash visibility tools help finance leaders make informed borrowing decisions and proactively manage working capital.
Top-Rated Invoice Capture Tool
Jennifer Rogers
VP of Finance
"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
CFO
"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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What Centime Users Say
“I've felt exceptionally supported throughout this journey. Unlike other SaaS implementations where follow-up meetings felt unnecessary, these sessions with our Customer Success Manager are invaluable.”
Industry
Professional Services
Employees
51-200
ON investment
3x Return
reduction in processing
70% Costs
What Centime Users Say
“We saved 40+ hours a month on AP processing. Beyond that, Centime’s Customer Support is always super responsive. Anytime I send something, they’ll email me back within an hour.”
Industry
Home Care Services
Employees
10,000+
saved weekly
10 Hours
invoices processed
100+ Monthly
What Centime Users Say
“We went from a manual AR/AP process to fully automated through Centime in very little time. We've cut the time of outstanding invoices down dramatically. The support team has also been very attentive to our needs.”
Industry
IT & Services
Employees
51-200
What Centime Users Say
“Prior to using Centime we were 100% manual on entering and approving all invoices. Centime is a fantastic AP automation tool that streamlined our invoice processing and payment workflows.”
Industry
Entertainment
Employees
51-1000
Frequently Asked Questions
What is working capital financing?
Working capital financing helps businesses access short-term funding to support payroll, supplier payments, inventory purchases, and day-to-day operations.
How does Centime's line of credit software work?
Centime combines working capital financing with integrated cash forecasting and finance automation tools, allowing businesses to access and manage Credit more efficiently.
Is Centime an accounts payable automation software platform?
Yes. Centime offers AI-powered accounts payable automation software with invoice capture, approval workflows, supplier payments, and forecasting capabilities.
What makes Centime one of the top AP automation tools?
Centime combines AP automation, treasury management, working capital financing, and ERP integrations into one connected platform for finance teams.
Which ERPs does Centime integrate with?
How quickly can businesses access funds?
How quickly can businesses access funds?
Qualified businesses can access working capital funds in near real-time after approval.
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See Centime in action
Our innovative AR, AP and business banking solutions are powerful alone, and even better together.
Schedule a tailored demo with a Centime expert.
Schedule a tailored demo with a Centime expert.
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**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.