Debt-free payment on invoices available on C2FO
Immediate funding without bank settlement delays
Turn AR insights into cash flow
See which of your customers offer early payment
Tailored financing that works with Early Pay
Get paid early on invoices your customers don't yet send to C2FO
Answers to your questions about C2FO's cash flow solutions
C2FO powers early payment programs for the world’s largest companies.
Improve financial performance through flexible early payment options
Strengthen your supply chain with flexible funding options
Extend payment terms with supplier consent — flexibility for your business, control for suppliers
Track, compare, and optimize your working capital position across your supplier network
Optimize your working capital position with expert guidance
Implement working capital optimization strategies with expert support
Fund, onboard and integrate — with ease
C2FO’s supplier financing platform integrates with your existing AP systems in weeks, not months. Fund early payments, onboard suppliers, and connect your ERP — all from one platform built to optimize working capital and financial KPIs.
See how implementation works
Recent Article
C2FO & PWC Collaboration: Modernizing Supply Chain Finance Read more >
Recent Case Study
Bunnies by the Bay Finds Trusted Financing with C2FO Lending Connections. Read more >
Data-driven strategies for the modern enterprise
Leverage C2FO’s 17+ years of network intelligence for market-leading reports. We translate global intelligence into actionable insights, helping you optimize working capital, mitigate risk, and lead confidently in an evolving economy.
Do work that matters with a team that cares. C2FO is proud to be one of the fastest-growing, most dynamic financial technology companies, with career opportunities available around the globe.
IFC Updates
Learn more about our work with the IFC.
One platform. More possibilities. Better business outcomes.
C2FO is the world’s largest working capital platform, connecting suppliers and buyers to unlock liquidity for your business. Access early payment, flexible financing, payables optimization, and supply chain intelligence in one platform.
Skip the traditional 3-5-day bank settlement delay. With C2FO Instant Pay, funds are deposited in your account in minutes. It works seamlessly alongside C2FO Early Pay™ right inside the C2FO platform. The same login, same relationship, all on your terms.
Get your invoices paid early in just two clicks. On average, our customers’ invoices are paid 32 days sooner. Accelerate Payments >
Combine flexible financing and innovative lending strategies with C2FO Early Pay™ to access the complete working capital solutions your business needs to thrive. Explore Financing Options >
Get paid in minutes. Unlock access to your funds immediately without waiting on typical bank settlement timelines customer’s or bank’s payment cycle. Unlock Immediate Funds >
Achieve greater control of your cash flow, where you can harness accounts receivable intelligence provided by C2FO to seize cash flow opportunities—fast, decisive, and all in one platform. Analyze Cash Flow >
Expand your early payment options to include customers who don’t yet send invoices to C2FO. Get paid early on any eligible invoice you share with us. Expand Network Coverage >
Soon, you’ll be able to get paid early on invoices with any eligible customer. After a simple, zero-cost setup, invoices with more of your customers become eligible for fast, flexible, and debt-free early payment through our funding partners.
Unlock cash flow, achieve metrics, reduce barriers, and strengthen supply chains.
Improve EBITDA and gross margin with flexible early payment options funded with your balance sheet. Learn More >
Track and compare your working capital position across your payables. Learn More >
Leverage flexible third-party funding options to offer early payment options for your suppliers without using your own funds. Learn More >
Get expert guidance on how best to optimize your DPO and achieve your working capital goals. — includes Working Capital Navigator. Learn More >
Optimize DPO with supplier consent, offering flexibility for you and control for your suppliers. Learn More >
We take care of the entire working capital optimization lifecycle for you — includes Working Capital Navigator and Working Capital Advisors. Learn More >
“What C2FO is allowing us to do is really operate and function as we should be functioning, and everyone gets paid for the work that they do, when they do it.”
Calvin Jackson Owner and Creative Director, The Lemon Ad Stand
“I wanted a much more direct relationship with my suppliers and to deliver a solution for them that was not only beneficial for them, but beneficial for us with a level of flexibility that is different than you would get in a typical supply chain finance program.”
John Upperman VP of Procurement, Thermo Fisher
“Working capital without risk or restrictions fuels innovation, business prosperity, and the economy at large.”
Without loans or paperwork, it’s easier than ever to access more capital to invest in your business.
Strengthen your business with options that deliver the right funding at the right time for the right price.
See approved invoices from multiple customers in one place, select invoices to be paid early, and name your discount rate.
You can always rely on our team of trusted advisors to find the cash flow solutions that work for your business.
Our unique approach to dynamic discounting and supplier finance keeps cash flowing for suppliers and improves key financial metrics for buyers with more flexibility and speed.
We are building a truly inclusive global economy where every business has equitable access to low-cost capital.
We believe that when all global businesses have access to the capital they need to grow, we all win. We offer an alternative to traditional financing options, where suppliers can get paid early and buyers are rewarded with returns on their cash. This innovative, win-win approach gets capital into the hands of businesses faster and at a lower cost.
As the world’s first on-demand working capital platform, we’re leveling the playing field for all businesses to achieve their goals.
C2FO’s unique three-pronged approach, combining network insights, expert advisory services, and proven implementations gives you real-time analysis and recommendations. We assess your accounts payable, receivables, and supply chain demographics to help you identify working capital optimization opportunities. Make informed changes to your strategy using our best-in-class analytics platform. By leveraging C2FO’s industry-leading data and 17+ years of expertise, you can confidently align supplier terms and programs with your business goals.
Start getting paid early and discover new ways to inject working capital into your business so you can invest in your growth goals.
Unlock the Power of Now.
Get paid in minutes. Skip the settlement period.
C2FO Instant Pay™
C2FO Instant Pay is the next generation of early payment. Receive funds within minutes – at the same rate you pay for early payment now. No more waiting several days for bank settlement timelines.
Guaranteed same-day payment. Liquidity on demand.
Instant Pay is a new speed inside Early Pay. Once your invoice is approved, funds settle the same day — at the rate you pay today. A few easy steps to set up. Nothing about how you run your business changes.