Centime packages cash forecasting with AP automation and credit lines — a broader platform than most CFOs need. TreasuryFlow focuses on what you check every morning: live cash position, 13-week forecast, and Excel. At a publicly listed from $49/mo.
| Feature | TreasuryFlow | Centime |
|---|---|---|
| Price | from $49/mo — public listing | Custom — requires sales call |
| Direct Bank Connectivity | Plaid (any US bank) | Yes |
| Real-Time Bank Balances | Yes — live via Plaid | Yes |
| 13-Week Cash Forecast | Auto-updating AI model | Forecasting included |
| AI Transaction Categorization | Gemini AI (3-tier pipeline) | No |
| AI Treasury Assistant | Natural-language chat | No |
| Native Excel Add-in | Yes — live data in Excel | No |
| Google Sheets Add-on | Yes | No |
| AP Automation | Not included | Core feature |
| AR Collections Management | Not included | Core feature |
| Morning Digest Email | 7am ET auto-briefing | No |
| Cash Health Score | 0–100 score, shareable | No |
| Scenario Planning | What-if analysis | Limited |
| QuickBooks Sync | Bidirectional | Read-only |
| P&L Reporting | With period comparison | Not core |
| Setup Time | Under 1 hour, self-serve | Multi-week onboarding |
| Free Trial | 14 days, no credit card | Demo only |
| Pricing Transparency | from $49/mo — listed publicly | Contact for pricing |
Competitor features and pricing last verified April 2026. Report an inaccuracy.
Centime requires a sales conversation before you know what you'll pay. TreasuryFlow is from $49/month, listed on the homepage, with a 14-day free trial you can start right now. No demo request, no waiting for a quote.
Centime is web-only. TreasuryFlow is the only cash flow platform with a native Microsoft Excel Add-in — live bank data and your 13-week forecast delivered directly into the workbook your team already uses for financial modeling.
TreasuryFlow includes a natural-language treasury assistant powered by Gemini AI. Ask "Will I make payroll on the 15th if we lose our largest client?" and get a specific answer from your actual bank data — in seconds.
Centime is a broader working capital platform — it does AP automation, AR collections, and credit lines alongside forecasting. If you just need live cash position, 13-week forecast, and Excel integration, TreasuryFlow is the focused, simpler choice at a fraction of the complexity.
TreasuryFlow connects to your banks via Plaid, syncs transactions, and generates your first forecast in 5 minutes — self-serve, no implementation team, no IT ticket. Centime's broader platform typically requires multi-week implementation.
Every day at 7am ET, TreasuryFlow sends a digest email with your net cash, runway, top inflows and outflows, and variance alerts. A daily treasury ritual that requires zero logins — a feature Centime doesn't offer.
“TreasuryFlow is a powerful solution that provides bank account consolidation, dynamic reporting, data visualization and forecasting that your bank can’t offer. Any finance professional responsible for cash flow management would benefit from it.”
Live bank data. 13-week forecast. Excel-native. from $49/mo, public pricing.
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