InCharacter Costumes

Case Study

Why we use C2FO

  • We have the flexibility to choose which invoices we want paid early and at what rate. This is a huge advantage.
  • C2FO takes the mess out of reconciling factored receivables.
  • It allows us to preserve our bank credit for when we need it most.
  • The program and interface are very easy to use.

“C2FO took the scare out of our cash flow. Somewhat of a lifesaver.”


InCharacter Costumes has been in the industry for almost forty years and is considered a pioneer in the mass market Halloween industry. As a highly seasonal business that starts the manufacturing process as early as January, and anticipates payments that aren’t realized until November, they face a working capital challenge. When looking at options to balance the cash flow during their big seasonal peak and valley, factoring was an option but was very expensive. “C2FO is cheaper, flexible, and is a more cost-effective way to boost our working capital than borrowing on a line of credit or factoring on our receivables. It’s also very easy to use,” said their Controller.

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