The AP/AR Tech Stack for Mid-Market Businesses ($20M+ Revenue)

Why Mid-Market CFOs Are Prioritizing AP & AR Automation in 2025

The role of the CFO in mid-market companies is evolving. With finance teams expected to manage cash flow, reduce inefficiencies, and improve working capital, automation is no longer a secondary priority. Yet, despite advances in financial technology, many businesses still rely on outdated, manual processes that limit visibility and increase operational costs.

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According to our recent Office of the CFO webinar on 2025 finance trends, 40% of mid-market companies still process payroll manually, and a very small percentage have fully automated AP and AR workflows. These inefficiencies create bottlenecks that slow growth, increase errors, and tie up valuable working capital.

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For mid-market companies surpassing $20M in revenue, these challenges become more pronounced. Finance leaders in this segment are moving beyond basic automation to integrated, AI-driven platforms that streamline AP, AR, and cash flow management in one place.

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3 Finance Trends That Are Reshaping AP & AR in 2025

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AI & Automation Are Becoming Essential

Mid-market CFOs are shifting toward automation to eliminate manual workflows that burden finance teams. Invoices, payment approvals, and reconciliation tasks consume significant time when managed manually. AI-driven automation is reducing these pain points by enabling auto-matching of invoices, automated reconciliation, and intelligent cash flow forecasting.

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A key takeaway from the recent webinar: "AI won’t replace finance teams, but CFOs who use AI will replace those who don’t." Finance leaders who adopt AI-driven AP and AR automation are seeing measurable reductions in processing times and an improvement in cash positioning.

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📌 See how Centime’s AI-driven forecasting works: Cash Flow Forecasting

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The Shift to Faster, More Digital Payments

While check payments are declining, check fraud is increasing. This has prompted many mid-market businesses to adopt digital payment strategies, leveraging ACH, virtual cards, and real-time payments (RTP). Faster payment settlements mean finance teams can optimize working capital and reduce reliance on credit lines.

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Companies that have integrated automated AR collections with digital payments have reported a decrease in their days sales outstanding (DSO) and improved cash predictability. CFOs focused on working capital efficiency see digital payment adoption as a direct path to improving liquidity.

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The CFO Tech Stack Is Consolidating

Mid-market finance teams are no longer managing five to six separate platforms for AP, AR, banking, and forecasting. Instead, there is a shift toward integrated platforms that centralize finance functions. This reduces data silos, improves reporting accuracy, and simplifies operations.

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For companies using NetSuite and Sage Intacct, integration-ready automation tools are a priority. Many CFOs are evaluating solutions that connect directly to their ERP, allowing for real-time data syncing and automated reconciliation.

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📌 Learn more about Centime’s ERP integrations: NetSuite & Sage Intacct Integrations

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The Ideal AP/AR Tech Stack for a Mid-Market Business ($20M+)

A modern finance stack for mid-market businesses should include:

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✅ AP Automation: AI-driven invoice processing, approvals, and PO matching to reduce manual work.
✅ AR Automation: Automated invoicing, collections, and customer-level workflows to accelerate cash inflow.
✅ Cash Forecasting: AI-powered forecasting that updates in real-time based on AP & AR activity.
✅ Banking & Payments: Integrated AP/AR payments with options for ACH, virtual cards, and RTP. When AP, AR, and banking work together in a single platform, businesses gain full visibility into cash flow, reduce processing times, and maximize efficiency.
✅ AI Insights: Predictive analytics for cash flow trends, supplier risk, and expense monitoring.

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Why Mid-Market CFOs Are Choosing Centime

Deepest integrations with NetSuite & Sage Intacct for real-time financial data.
AP that pays for itself—earns interest on AP funds.
End-to-end cash flow automation that centralizes AP, AR, and banking into a single platform.

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📌 See Centime in action: Book a Demo

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The Bottom Line – Mid-Market CFOs Who Automate and Consolidate Will Win in 2025

Finance leaders at mid-market businesses can no longer afford to rely on manual AP and AR processes or disconnected financial tools. The shift toward AI-driven automation and integrated financial solutions is creating measurable gains in efficiency, cash flow predictability, and strategic finance management.

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Companies that modernize and consolidate their finance stack will improve working capital, reduce risk, and free up finance teams to focus on high-impact decisions, making AP, AR, and banking one streamlined process.

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Want to see how top mid-market CFOs are automating AP & AR?
👉 Book a Demo

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*Centime is not a bank and is not authorized by any federal or state agency to engage directly in core banking activities.
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*All banking products and services available through Centime are provided by FNBO and are governed by the applicable agreements and related disclosures provided to you by FNBO. Member FDIC.
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‍*While Centime facilitates traditional banking activities (such as the acceptance of deposits or extensions of credit), these services are actually provided by our banking partner, FNBO.
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*Centime may provide support services to FNBO, as permitted by applicable law, to facilitate the delivery of its bank products and services.

**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 bank

The AP/AR Tech Stack for Mid-Market Businesses ($20M+ Revenue)

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