“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.