Turn your invoices into a renewable source of capital

Early invoice payments not an option because your enterprise customer isn’t a member of C2FO? We can provide you with funding instead with our Receivables Finance solution.

How it works

Receivables Finance is convenient, easy, and fast.


Submit Invoices

You submit invoices to your customer and to C2FO


Review Credit

Eligible invoices are added to your available credit balance


Request Funds

Request an advance online and receive funds in 24 hours


Reduce Balance

Customers remit payment to a lockbox, creating additional availability

Customer Success Story

Granite Gold eliminates uncertainty and simplifies its funding by leveraging C2FO’s suite of working capital solutions.

When the recession hit, lending dried up almost over night. The diminished access to working capital hurt Granite Gold’s growth and revealed the need for a more reliable source of funding.

By combining early invoice payments and a revolving line of credit from C2FO, Granite Gold discovered a quicker and reliable way solve all of its working capital needs.

More than just money


Customer Paid

Your customers pay down for you



Receive funds in as little as 24 hours



The entire process is 4 simple steps



No surprise fees or commitments


On Demand

Draw only what you want, when needed



An always available revolving line of credit

How C2FO compares

Approval1-3 Days1-3 Months2-6 Months
Credit LimitHighModerateModerate
Operational RisksLowModerateHigh

Frequently asked questions

Facilities generally range from $100k-$20mm – but larger credit limits are available.

You submit your eligible invoices through the C2FO online app. After we verify your invoices, credit is made available to you based on the invoice value and your advance rate. You can request any or all of your availability when you need it.

During the application process, we’ll agree to an advance rate, typically between 70% and 90%. Your availability is simply the value of your open, eligible invoices multiplied by advance rate, less your outstanding balance (any previous advances you’ve received).

You don’t pay down your balance – your customers do. Your customer invoices are paid directly to a lockbox and receipts are reconciled and automatically credited against your outstanding account balance.

The all-in cost averages 10-15% APR. Facilities can be priced above or below this range based on factors such as company size and strength, personal guaranty, industry, and risk.

No. We believe in transparency and all potential costs are clearly stated up front. The only additional charge for accounts in good standing is an optional wire fee (ACH transfers are free).

Contact us today to set up your receivables credit line