CentimeCredit™ combines a commercial credit card (CentimeCard™) and a working capital credit
line (CentimeCash™) in one integrated package that is flexible, cost-effective, and easy to use.
Features
- Securely complete an online digital application
- Quickly qualify based on company balance sheet and cash flow
- Get a CentimeCard™: a commercial credit card that extends cash and provides rebates
- Access CentimeCash™: a cost-effective line of credit
Benefits
- Use integrated cash forecast to access working capital “just in time”
- Obtain credit from leading bank
- Optionally provide personal guarantee
- Apply easily, know quickly, fund rapidly
CentimeCard™ is a commercial credit card fully integrated with the Centime AP application
and is optimized to maximize payments to card-accepting suppliers.
Features
- Pay card-accepting suppliers with CentimeCard™
- Easily engage and enroll card-accepting suppliers
- Capture supplier payment terms: payment limits, surcharge fees
- Pay suppliers online, or safely send virtual cards by email
Benefits
- Stretch payables by 20-50 days for no cost
- Maximize rewards
- Honor supplier preferences while driving card spend
- Mitigate fraud risk with virtual card payments
CentimeCash™ is an unsecured working capital line of credit that provides your business
with cash in near real-time as and when you need it.
Features
- Draw cash from CentimeCash™ credit line to fund any operating account
- Choose your own payback period: 1-90 days
- Automatically clear open balances with auto payback
Benefits
- Only pay for what you use
- Use cash for any business purpose
- Payback early with no penalties
“Centime creates a simple and easy way for a business leader to review their finances. I can log in, see dashboard and realize, ‘I better make some changes,’ or, ‘This might be a good time to take my engineering investment from 10% to 12% because cash flow is high.”
Todd Murphy, CEO, Universal Information Services
Integrates directly with
5 mins - Easy integration
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