“Can a B2B finance-automation platform become the financial operating system for mid-market SMBs by embedding AP, AR, expense, banking, and credit directly inside the ERPs they already use?”
Founded in 2021 as a cash management and AP/AR automation tool for SMBs, Centime progressively embedded more financial products directly into the ERP workflows its customers already use. Beginning in 2024 it launched banking (via FNBO) and credit products, moving from a pure workflow-automation play toward a financial operating system for mid-market businesses. The addition of Fyle-powered expense management and B2B merchant processing in 2024–2025 completed a suite that now competes on breadth — AP, AR, expense, banking, and working capital — all inside NetSuite, Sage Intacct, and QuickBooks.
Centime discloses First National Bank of Omaha (FNBO) as its banking provider, with First National Bank of Omaha as its sponsor bank, according to the Embedded Finance Index 2026.
Centime does not disclose a bank charter of its own; its banking services are provided through First National Bank of Omaha.
Centime processes payments through Payrix and FNBO (ACH/Merchant Services). Disclosed money-movement rails: ACH.
Centime's lending and capital products are provided by First National Bank of Omaha.
Centime integrates with NetSuite, Sage Intacct and QuickBooks.
The Embedded Finance Index 2026 maps 7 layers in Centime's stack: Payments / PSP (Payrix and FNBO (ACH/Merchant Services)); Money movement (ACH); Banking / BaaS (First National Bank of Omaha (FNBO)); Lending (First National Bank of Omaha, Centime Credit Line (working capital credit line) and Centime Credit Card (commercial credit card)); Sponsor bank (First National Bank of Omaha); Accounting (NetSuite, Sage Intacct and QuickBooks); Spend / AP (Fyle).
Centime is founded in 2021 and headquartered in Boston, Massachusetts, United States.
Get a read on where your own stack stands against Centime and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.