Centime
Centime is a comprehensive cash management platform that helps small to mid-sized businesses automate accounts receivable, accounts payable, and rolling cash flow forecasting in one place.
Clockwork
Clockwork is a financial planning and analysis platform that provides small businesses and fractional CFOs with automated cash flow forecasting, real-time budgeting, and visual financial reporting tools.
Quick Comparison
| Feature | Centime | Clockwork |
|---|---|---|
| Website | centime.com | clockwork.ai |
| Pricing Model | Subscription | Subscription |
| Starting Price | $99/month | $100/month |
| FREE Trial | ✓ 14 days free trial | ✓ 14 days free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2017 | 2018 |
| Headquarters | Boston, USA | Chicago, USA |
Overview
Centime
Centime is a unified cash management platform designed to give you total control over your business finances. Instead of jumping between spreadsheets and bank portals, you can manage your entire cash lifecycle—from payables and receivables to real-time forecasting—within a single interface that syncs directly with your ERP. It helps you eliminate manual data entry and provides a clear picture of your future liquidity.
You can automate your collections process with branded reminders and simplify your bill payments using flexible funding options. The platform is specifically built for mid-market companies that have outgrown basic accounting tools but aren't ready for complex enterprise systems. By consolidating your financial operations, you can reduce late payments, optimize your working capital, and make faster, data-driven decisions for your business growth.
Clockwork
Clockwork is an automated financial planning platform designed to take the manual labor out of your accounting workflows. By connecting directly to your accounting software, it builds real-time financial models, cash flow forecasts, and budgets without you ever having to touch a spreadsheet. You can stop guessing about your future bank balance and start making decisions based on live data that updates every hour.
The platform is built specifically for small to mid-sized businesses and the outsourced CFOs who support them. You can create unlimited 'what-if' scenarios to see how hiring a new employee or taking out a loan impacts your bottom line. It simplifies complex financial data into visual dashboards that you can share with stakeholders, ensuring everyone stays aligned on your company's financial health.
Overview
Centime Features
- Cash Flow Forecasting Generate accurate, rolling cash flow forecasts automatically by pulling real-time data from your GL and bank accounts.
- AR Automation Speed up your collections with automated, branded email reminders and a self-service payment portal for your customers.
- AP Management Streamline your entire bill pay process from invoice capture to electronic payment while maintaining strict approval workflows.
- Multi-Entity Consolidation View and manage cash across multiple subsidiaries or business units in one consolidated dashboard without manual exports.
- Credit Risk Monitoring Monitor the credit health of your customers in real-time to identify potential payment risks before they impact your cash.
- KPI Dashboards Track critical metrics like Days Sales Outstanding (DSO) and Days Payable Outstanding (DPO) with visual, interactive reporting.
Clockwork Features
- Automated Forecasting. Generate 13-week and 12-month cash flow forecasts automatically based on your historical accounting data and real-time trends.
- What-If Scenarios. Create custom financial models to see how potential business decisions like new hires or price changes affect your future cash.
- Real-Time Budgeting. Build and track budgets that update automatically, allowing you to compare your actual performance against your goals instantly.
- Visual Dashboards. Transform complex financial statements into clean, visual charts that help you understand your business performance at a glance.
- Hourly Data Sync. Connect your QuickBooks Online or Xero account to ensure your financial insights are always based on the latest transactions.
- Metric Tracking. Define and monitor the specific key performance indicators that matter most to your industry and business model.
Pricing Comparison
Centime Pricing
- Cash flow forecasting
- GL and bank integration
- Standard AR/AP automation
- Basic KPI reporting
- Email support
- Single entity support
- Everything in Standard, plus:
- Multi-entity consolidation
- Advanced credit risk monitoring
- Custom approval workflows
- Priority customer success manager
- API access
Clockwork Pricing
- 1 Company connection
- Automated cash flow forecasting
- Real-time budgeting
- Unlimited what-if scenarios
- Custom financial dashboards
- Hourly data synchronization
- Everything in Standard, plus:
- Advanced metric tracking
- Enhanced reporting capabilities
- Priority email support
- Consolidated reporting options
- Additional user permissions
Pros & Cons
Centime
Pros
- Seamless integration with popular ERPs like NetSuite and QuickBooks
- Intuitive dashboard provides instant visibility into future cash positions
- Automated collection reminders significantly reduce manual follow-up time
- Consolidates multiple bank accounts into a single unified view
Cons
- Initial setup and mapping can take time for complex GLs
- Pricing is not transparently listed on the website
- Mobile experience is less robust than the desktop platform
Clockwork
Pros
- Saves hours of manual data entry in spreadsheets
- Setup is extremely fast with one-click integrations
- Visual interface makes financial data easy to explain
- Scenario planning helps prepare for unexpected business changes
Cons
- Limited to QuickBooks Online and Xero users
- Steep price point for very small startups
- Requires clean accounting data for accurate forecasts