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.
Recent News
C2FO Recognized at B20 South Africa for Driving Inclusive Growth Through Early Payments. Read more >
Supply chain finance, reimagined
Easily build a better, flexible supplier early payment program with options to use funds from your bank, our global funding network or your own balance sheet.
C2FO Dynamic Supplier Finance is a win-win early payment solution, helping your business improve margins while giving your suppliers the capital they need to thrive.
Configurable Funding Model Choose to fund early payments yourself, through your bank partners, through C2FO’s global network of third-party funders or a combination of all three — giving you the flexibility to manage seasonal cycles, investment projects and other liquidity needs.
Measurable Outcomes Unlock supplier discounts in exchange for early payment to directly improve margins and EBITDA. C2FO helps you adjust the program to maximize KPIs over time.
Broad Supplier Reach Leverage flexible pricing, smart segmentation and an intuitive platform to drive adoption and boost your ROI while helping suppliers maintain healthy cash flow.
Funding Mix Fund early payments from your balance sheet, your banking partners, through C2FO’s global network of banking partners or with a hybrid approach across all three. C2FO works with you to design the right mix tailored to your priorities. C2FO’s platform also allows you to change the funding mix over time as your or your supplier’s needs and goals change, in real time.
Pricing Set early payment rates that fit your strategy and supplier network. C2FO offers expert recommendations grounded in our experience in funding over 5.5 million supplier connections and deploying over $445 billion in working capital. From our patented Name Your Rate® offers to fixed or subsidized models, C2FO gives you pricing options that balance maximizing returns with supplier participation.
Supplier Segmentation C2FO’s platform allows you to target suppliers based on any segmentation you can think of, such as geographical location, materiality to your supply chain, industry, length of relationship, payment terms, ESG focus.
Dynamic Discounting transforms the traditional early payment discount model by allowing suppliers to receive accelerated payments in exchange for flexible discounts that adjust based on payment timing and supplier demand. Within this landscape, C2FO’s Name Your Rate® feature stands out as a revolutionary approach that empowers suppliers to propose their own discount rates for early payment, creating a true market-driven system, which has proven to deliver outsized results for buyers and suppliers.
Unlike conventional supply chain financing or static early payment programs where rates are predetermined, C2FO allows a collaborative platform where suppliers maintain complete control over their cash flow decisions. This supplier-centric model reduces financial cost in the supply chain and creates a transparent marketplace where you and your suppliers both benefit—you optimize returns on your excess cash while suppliers access affordable working capital precisely when they need it, on their own terms, saving money over their alternative options. Get a better return on your cash and support your suppliers with Dynamic Discounting.
Transform your financial strategy with C2FO’s early payment platform, offering suppliers flexible payment options while strengthening your supply chain’s financial resilience.
Traditional Supply Chain Finance (SCF) programs can take months to implement and typically focus only on your largest suppliers. With C2FO’s Dynamic Supplier Chain Finance (DSCF), your business can:
Support suppliers and improve margins with discounted payments.
Leverage your balance sheet, bank partner, our global funding network, or any combination thereof, to meet your organization’s financial goals.
Build a dynamic supply chain finance program without the administrative burden. Our dedicated team of advisors work with you to achieve the best financial outcome.
“Our partnership with C2FO is a great example of what can be accomplished when thoughtful, ethical organizations are willing to challenge the status quo.”
“We felt we were lagging behind in terms of innovation. We chose to implement the C2FO platform, which has evolved traditional dynamic discounting to a stronger market-based model.”