Carmen & Co

Case Study

Why we use C2FO

  • C2FO accelerates funds so that we can make our seasonal purchases.
  • The APR is lower than we have through our bank.
  • We have been able to reduce our bank credit line now that we use C2FO.
  • My C2FO Supplier Relationship manager has been extremely helpful.

“I would absolutely recommend C2FO to other suppliers. It’s easy access to cash flow. It’s a no-brainer.”


Starting out as a costume jewelry company over 50 years ago, Carmen & Co has grown into one of the leading fashion watch companies in Canada. They supply watches to department stores, mass merchants, fine jewelry stores, watch specialty stores and clothing specialty stores across the country. “Carmen & Co makes seasonal purchases at the beginning of the year and the middle of the year, yet there is over a four month delay between making the purchase and receiving the merchandise and then there is another waiting period for payment on the merchandise that we’ve distributed to our customers. This has become even more challenging in the last couple of years as major retailers are wanting to extend terms. C2FO helps us ensure that we have funds to make our purchases to satisfy our customers’ orders,” says Carmen & Co Vice President of Operations.

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