Underwrite on live data.
Your commercial book, live. Consenting members report cash, revenue, net income, receivables, payables, DSO and DPO. Everyone else shows a name and nothing more.
| Business | Sharing | Cash | Revenue TTM | Net income TTM | AR open | AP open | DSO | DPO |
|---|---|---|---|---|---|---|---|---|
| Ridgeline Excavation | on | 128,400 | 2,140,000 | 318,600 | 42,900 | 18,240 | 34 | 27 |
| Harbor Dental Group | on | 86,210 | 1,480,000 | 246,300 | 24,500 | 9,860 | 21 | 19 |
| Sunrise Landscaping | on | 31,750 | 620,000 | 48,900 | 15,600 | 7,410 | 52 | 31 |
| Riverside Cafe | off | · | · | · | · | · | · | · |
| Beacon Auto Works | on | 54,300 | 980,000 | 112,400 | 28,100 | 12,050 | 41 | 24 |
| Ninth Street Bakery | off | · | · | · | · | · | · | · |
Turn relationship managers into sector experts.
Grade every account against its own trade. Your team opens with a margin number, not a document request. That is what holds the operating deposits.
Industry capture is live. The peer engine is in development to RMA conventions, so the figures below are illustrative.
Cost-line outliers explain the grade. Open with a specific, not a document request.
Distribution of net margin across the band. Illustrative.
The customer grants the view. You can evidence it.
Every read rests on a permission the owner switched on. Stamped with who and when. Revocable at any time.
Every account, with its consent state
Cash, revenue, net income, receivables, payables, DSO and DPO, per member. Figures you can compare, not a folder to open.
The business grants the view, and can pull it
Off until the owner turns it on. Stamped with who and when. Theirs to revoke.
What your team does with it
- Monitor exposure. Watch receivables stretch and cash thin, months before a covenant test.
- Originate on growth. See revenue climbing and take the equipment finance conversation there first.
- Retire the document chase. Replace the annual statement collection with a standing consent-gated read.
Seamless brand continuity.
Login screen to monthly statement, the experience is yours. Our infrastructure stays invisible.
Yours on every screen
Sign-up, dashboard, statements, mobile. Where you supply a mark, ours is not shown at all.
Frictionless, self-service enrolment
Zero burden on your bankers. You issue the invite. Their administrator self-enrols, connects feeds and grants permission in minutes.
Purpose-built for the SMB mass market
Built for the bulk of your commercial book. Excluding treasury and multi-entity logic removes operator error and training overhead.
A full accounting system, and none of the liability for running one.
A real double-entry ledger underneath. Banking, receivables, payables, sales tax, fixed assets, close, statements. You operate none of it.
Zero core integration required.
Deploy alongside your existing digital banking portal in weeks, not years. Cenco operates as independent overlay infrastructure, with no API dependency on your legacy core.
Zero operational overhead
We operate the software, the tax logic and the migration. No added technical debt. No accounting questions reaching your desk.
Controls enforced in the database
Posted entries cannot be altered or deleted. Corrections go through reversals. Every period closes to a chained SHA-256 seal. Debits must equal credits at write time.
Purpose-built for the SMB mass market
No securities filings, digital assets, treasury or multi-entity logic. Less operator error, less training, a far smaller surface for your risk committee.
Ledger · Banking feeds · Receivables · Payables · Sales tax · Fixed assets · Recurring entries · Close · Statements · Budgets · Documents · Migration