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
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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.
Supply chain finance, reimagined
Easily build a better, more flexible supplier early payment program with options to use funds from your bank, our global funding network or your own balance sheet. We even offer you the ability to extend your payment date while still paying suppliers early.
C2FO Dynamic Supplier Finance is an early payment solution that helps businesses improve margins and EBITDA while giving suppliers the working capital they need to thrive. With configurable funding, flexible pricing, and broad supplier reach, it’s a win-win program built to strengthen your entire supply chain.
Configurable Funding Model Access flexible early payment funding tailored to your business needs. Even extend terms without straining your supply chain via bank-funded working capital. This flexibility gives you the control to manage seasonal cycles, investment projects, and other liquidity needs, whenever they arise.
Measurable Outcomes Unlock supplier discounts in exchange for early payment to directly improve margins and EBITDA. C2FO helps you adjust your program over time to maximize the KPIs that matter most to your business. Our success is proven by our over $525 billion in funding to date.
Broad Supplier Reach Drive adoption and boost ROI with flexible pricing, smart segmentation, and an intuitive platform, all while helping suppliers across your entire supply chain maintain healthy cash flow.
C2FO’s early payment platform lets businesses configure funding source, pricing, and supplier targeting to match their exact strategy, all from a single, integrated program.
Funding Mix Fund early payments from your balance sheet, your banking partners, C2FO’s global network of banking partners, or a hybrid approach across all three. C2FO works with you to design the right mix for your priorities. Adjust that mix over time, in real time, as your needs or your suppliers’ needs change.
Pricing Set early payment rates that fit your strategy and supplier network. C2FO grounds its recommendations in deep experience, having over 5.5 million supplier connections on platform and funding over $525 billion in working capital. From patented Name Your Rate® offers to fixed or subsidized models, C2FO gives you pricing options that balance maximizing returns with supplier participation.
Supplier Segmentation Target suppliers using any segmentation that fits your supply chain, including geography, materiality, industry, length of relationship, payment terms, and ESG focus.
C2FO’s Dynamic Discounting program lets businesses earn a stronger return on excess cash by offering suppliers early payment in exchange for a discount. Unlike static, predetermined rates, our patented Name Your Rate® feature lets suppliers propose their own discount, creating a true market-driven system that delivers outsized results for both sides.
Unlike traditional supply chain financing, C2FO’s collaborative platform puts suppliers in control of their own cash flow decisions, no middleman required. It’s a transparent marketplace where you optimize returns on your cash, and suppliers get affordable working capital on their own terms whenever they need it.
Get a better return on your cash and support your suppliers with Dynamic Discounting.
Transform your financial strategy with C2FO’s early payment platform, which gives suppliers flexible payment options while strengthening your supply chain’s financial resilience.
C2FO Dynamic Supply Chain Finance (DSCF) lets buyers replace slow, single-funder programs with one integrated platform that extends early payment to every supplier, not just the largest ones, and implements in as little as six weeks. With C2FO Dynamic Supply Chain Finance, your business can:
Extend Payment Terms · Preserve Choice · Optimize Working Capital
C2FO’s Dynamic Deferred Payments (DDP) is a bank-funded working capital solution that lets buyers extend payment terms without straining suppliers, because C2FO and its banking partners fund the gap. Suppliers choose when they get paid, buyers gain flexibility, and everyone wins.
Support suppliers and improve margins with discounted early payments.
Leverage your balance sheet, bank partner, C2FO’s global funding network, or any combination of the three to meet your organization’s financial goals.
Build a dynamic supply chain finance program without the administrative burden. C2FO’s dedicated team of advisors works 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.”