Receive early payments on approved invoices
Access trusted lenders for tailored financing solutions
Find your customers offering early payment
Leverage Accounts Receivable (AR) analytics and intelligence to improve your cash flow outcomes
Answers to your questions about C2FO's cash flow solutions
C2FO powers early payment programs for the world’s largest companies.
Enhance cash flow through flexible early payment options
Accelerate supplier payments with flexible funding options
Track, compare, and optimize your working capital position across your supplier network
Optimize your working capital position with expert CPSM® guidance
Implement working capital optimization strategies with expert support
Get started with C2FO
Optimize your financial KPIs and working capital strategy with C2FO’s supplier financing solutions. See how easily you can implement our integrated platform to transform your financial performance. Learn more >
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 >
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.
Take control of your cash flow with C2FO®
It’s time to get paid sooner so you can get more done. With fast, flexible access to low-cost capital, C2FO helps you turn invoices into opportunities — today.
C2FO is the only working capital solution that allows suppliers to get invoices paid early, when they want, at a discount they select using our patented Name Your Rate® technology. No loans, factors, paperwork or hassle. Just one click to set your rate, and if accepted, a payment that was to be made in 30, 60 or 90 days is made immediately. Why borrow working capital when you can accelerate it instead?
With fast, flexible access to low-cost capital, every business can gain total control over their cash flow and unlock the potential in their balance sheet like never before.
CYCLEFLOW - POWERED BY C2FO
“Your participation in CycleFlow is not merely a commercial decision, though it is emphatically a sound commercial decision. It is an act of economic nation building. Every naira of any payment you make to an MSME supplier through this platform is injected directly into the productive economy.” — Dr. Emomotimi Agama, Director‑General, SEC
“This gives me a lot of hope and confidence that we are stronger together and as we continue to work on the plans, slow and steady and deliver for the Nigerian economy, deliver for over 200 million people, because that’s what we here in this room are privileged to work towards from our development partners to the government side to the private sector to international investors and partners we’re solving for over 200 million Nigerians” — Dr. Jumoke Oduwole, Hon. Minister of Industry, Trade & Investment
“It’s not every day that we gather to launch something that speaks directly to the daily reality of the Nigerian entrepreneur….By the time it scales, by the time it settles into our financial ecosystem, it’s going to plug an important gap with credibility and sustainability. For me, that’s why I’m particularly excited.” — Dr. Jumoke Oduwole, Hon. Minister of Industry, Trade & Investment
“I would highly recommend C2FO to any small business. This is a program that does not take advantage of us, that is actually here to help us be financially sound and compete with larger companies.”
Andrea Stringer President and CEO, Alder Creek Gift Baskets
“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
When your business needs funding beyond early payments, C2FO Lending Connections* provides you financing opportunities with a vetted network of trusted lending partners. From receivables finance to term loans and asset-based lending and more, our partners give you access to the flexible solutions you need to reach your business goals.
*C2FO is solely acting as a reference for third-party lenders; all lending decisions and servicing are done by an unaffiliated third-party. By connecting with us, you acknowledge that C2FO may receive a referral fee from a lender and you give C2FO permission to provide your information to lenders for the purpose of such referral.
“Working capital without risk or restrictions fuels innovation, business prosperity and the economy at large.”
Businesses that want to unlock cash trapped by payment terms, enabling access to capital without the hassle of traditional loans or factors. Learn More
Businesses focused on improving key financial metrics including EBITDA and free cash flow. Learn More
Businesses that need working capital to grow and have been held back by the barriers inherent in risk-based underwriting. Learn More
Global enterprises focused on supporting their suppliers and providing additional financial support and opportunities to those that are diverse-owned and sustainable. Learn More
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 buyers 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.
Our unique three-pronged approach — C2FO’s network insights, expert working capital advisory services, and proven turnkey implementations — gives you real-time analysis and recommendations based on your accounts payable, receivables, and supply chain demographics to assess your overall working capital position and identify optimization opportunities. Make informed changes to your working capital strategy with our best-in-class analytics platform which combines C2FO’s industry leading data, 17+ years of working capital management expertise, and implementation know-how to ensure you confidently align supplier terms and programs with your business goals.