Financial Strength for Your Suppliers and Customers

The C2FO platform is delivering a future where every company in the world has the capital needed to grow. Strengthen your suppliers’ and customers’ financial health by joining a global network of more than one million companies, all working together to deliver more working capital.

Breakthrough innovations beyond supply chain finance

A lot has changed since the first supply chain finance (SCF) programmes arrived in the 1990s.

At C2FO, we understand that SCF programmes are too rigid for most enterprises and their supply chains. Our innovative platform and global network have the flexibility to work with any and all requirements across all levels of your supply chain.

We constantly evolve to provide you with more control over your organization’s financial future, more value from our platform, and an even better user experience.

1990s

First structured programmes for suppliers became available

2000s

Tech companies deliver user-friendly interface for the SCF programmes

TODAY

C2FO introduces scalable, dynamic solutions with early and late payment options, access to funding partners, and “Two Clicks to Cash” functionality

C2FO offers a wide range of funding solutions,
all on a single, easy-to-use platform.

up2

Dynamic Supplier Finance

C2FO’s platform enables your suppliers to accelerate invoices in real-time when they choose. Early payment is available at any point throughout the entire payment term — on-demand when your suppliers need it.

Unlike supply chain finance solutions, C2FO’s comprehensive network enables all of your suppliers to access accelerated cash flow. With C2FO’s platform, supplier segmentation is automated, allowing you the flexibility to provide preferred access and incentives to minority and women-owned suppliers, as well as suppliers that are small to mid-sized enterprises (SMEs).

Whether you are utilising your own balance sheet or a partner in C2FO’s funding network, your suppliers have the capital they need to grow, whether they are SMEs or large corporations.

CALENDAR

Dynamic Customer Finance

With C2FO, your company can dynamically adjust the timeline of outstanding receivables, on-demand. You decide when to offer which solution – and at what price.

Whether your company is focused on improving cash flow, mitigating customer risk or managing key metrics, C2FO’s platform provides comprehensive receivables acceleration through various funding options, including early payment by your customers.

C2FO also enables you to generate income by allowing customers to pay you later, in exchange for a premium.

This dynamic model gives you full control over which invoices are included, their funding methods, and at what price. By offering innovative financing solutions, C2FO enables you to achieve your targets while strengthening your customer relationships.

cloud

Invoice Central

Invoice Central delivers seamless visibility across all of your accounts payable and accounts receivable, giving your suppliers one place to review outstanding receivables and take action when needed.

Your suppliers will have a clear understanding of where their invoices are in the approval process and you will have a greater ability to analyse and benchmark the data of your AP and AR through the C2FO platform.

Flexibility, Speed and Control

Six case studies with C2FO solutions

Unleashing Liquidity for Suppliers — Fast

A major manufacturing company with over $140 billion in revenue and thousands of eligible suppliers needs funding to quickly reboot production after a temporary shutdown. The company has no supply …

Unleashing Liquidity for Suppliers — Fast

The Challenge
A major manufacturing company with over $140 billion in revenue and thousands of eligible suppliers needs funding to quickly reboot production after a temporary shutdown. The company has no supply chain finance programmes and its credit rating makes it nearly impossible to secure traditional funding from banks during an economic crisis.

The Solution
In 28 days, C2FO launches a customised Dynamic Supplier Finance (DSF) programme that enables the manufacturer and its suppliers to source capital in a number of different ways. C2FO offers multiple funding sources to seamlessly help suppliers build cash flow through early payment. The scale of C2FO’s funding network enables clients to fund thousands, not just hundreds, of valued suppliers.

The Outcome
The straightforward, easy-to-use DSF programme gets liquidity in the hands of participating suppliers in as little as 24 hours so they can ramp up production. The manufacturer plans to expand the programme to international suppliers, all on a single platform.

Adding to Current Financing Solutions

A U.S. retailer with more than $130 billion in revenue and over 7,000 eligible suppliers wants to leverage its existing early payment programme, with additional solutions from C2FO. A subset of the retailer’s suppliers …

Adding to Current Financing Solutions

The Challenge
A U.S. retailer with more than $130 billion in revenue and over 7,000 eligible suppliers wants to leverage its existing early payment programme, with additional solutions from C2FO. A subset of the retailer’s suppliers are pushing for preferential rates on their accelerated invoices.

The Solution
C2FO addresses the large retailer’s needs with Dynamic Supplier Finance (DSF). This enables flat or dynamic pricing for suppliers that’s funded from the company’s balance sheet or a funding partner, with the ability to turn funding on or off at any time.

The Outcome
The flexibility of using its own balance sheet or third-party funding enables the retailer to provide suppliers with working capital while also realising EBITDA and margin improvements from the programme. The retail company can leverage alternative banking groups or funding partners within a day if needed, at competitive rates on the cost of borrowing.

Replacing a Legacy SCF Programme

After breaking away from its parent company, a healthcare enterprise with $20 billion in revenue inherits an SCF programme that doesn’t allow funding for multinational businesses in its …

Replacing a Legacy SCF Programme

The Challenge
After breaking away from its parent company, a healthcare enterprise with $20 billion in revenue inherits an SCF programme that doesn’t allow funding for multinational businesses in its supply chain. The company needs a scalable solution to help support suppliers outside of the U.S.

The Solution
With a global network that spans more than 180 countries and 36 currencies, C2FO provides a Dynamic Supplier Finance (DSF) solution with multiple funders to support the healthcare company’s U.S. and international suppliers from a single platform.

The Outcome
The funding programme provided by C2FO helps the healthcare company optimize its net profit, with the convenience of a single contract for all suppliers worldwide and visibility to all programmes on a single system.

Flexibility and Control with Dynamic Customer Finance

An 8 billion euro chemical and plastics company in Europe wants to leverage its solid cash position by offering customers the option of paying later in return for a premium. The company, which already …

Flexibility and Control with Dynamic Customer Finance

The Challenge
An 8 billion euro chemical and plastics company in Europe wants to leverage its solid cash position by offering customers the option of paying later in return for a premium. The company, which already offers early payment through C2FO, asks C2FO to help extend its accounts receivable terms.

The Solution
With C2FO’s Dynamic Customer Finance (DCF), enterprises can allow their customers to pay later, when needed, while paying a premium for that extension. C2FO offers flexibility that enables the chemical company to align with customer credit risks without being locked into a contractual extension of payment terms.

The Outcome
The premiums charged for delayed payment under the C2FO programme provide a stronger yield on the chemical company’s cash. The solution also empowers the company’s sales team to offer a unique, flexible terms extension for customers in need of preserving cash flow.

Mitigating Risk with Dynamic Customer Finance

A $22 billion IT and consulting company based in India wants to eliminate risk on $10 million in receivables. This investment grade, multinational company uses early payment …

Mitigating Risk with Dynamic Customer Finance

The Challenge
A $22 billion IT and consulting company based in India wants to eliminate risk on $10 million in receivables. This investment grade, multinational company uses early payment programmes through C2FO with customers representing over $1 billion in annual receivables. However, one customer, a major U.S. retailer, closed its early payment programme to shore up its cash position during the COVID-19 pandemic. The IT and consulting company approaches C2FO in need of a new way to accelerate receivables.

The Solution
Dynamic Customer Finance (DCF) through C2FO is an effective way for suppliers to generate liquidity on invoices that are not on the C2FO platform or for early payment programmes that have been temporarily closed. C2FO curates a solution within its network of funders to purchase those receivables, freeing up cash flow and reducing risk.

The Outcome
For the IT and consulting company, financing the $10 million in receivables isn’t as much about working capital as it is removing risk from its books. Because the company’s need is short-term, banks aren’t interested in a one-time funding of receivables from a high-risk customer. However, C2FO’s network provides a funding partner to purchase the invoices in short order. This financing enables the IT and consulting company to reduce DSO by as much as 50 days and continue doing business with the U.S. retailer.

Innovating a Solution for Suppliers

A $22 billion technology company based in Europe wants to launch an innovative finance programme to engage its more than 40,000 suppliers worldwide. The company’s existing SCF programme …

Innovating a Solution for Suppliers

The Challenge
A $22 billion technology company based in Europe wants to launch an innovative finance programme to engage its more than 40,000 suppliers worldwide. The company’s existing SCF programme has only 400 participants among its thousands of suppliers. The tech company, which values its innovative, progressive ethos, seeks a supplier finance programme that is equally forward-thinking.

The Solution
The tech company enlists C2FO to launch an early payment programme that enables suppliers to accelerate invoices at rates they select instead of waiting 90 days for payment. Initially launched for the European market, the programme provides a single Invoice Central platform where suppliers can review and select invoices for early payment.

The Outcome
Within two months of the programme’s launch, registered European suppliers have received early payment on receivables by an average of 41 days. The tech company also sees a boost to its margins and EBITDA. The programme is soon expanded to suppliers in China and India, helping to free up trapped cash for the tech company. The company’s early payment programme through C2FO has received independent, leading awards in the supply chain finance category and today integrates with six ERP systems, serving suppliers in more than 80 countries.

Read what suppliers have to say about the wide range of funding solutions available on the C2FO platform.

Working capital, working for you.

2 CLICKS TO CASH FLOW

10X SUPPLIER PARTICIPATION

Activation in as little as 4 weeks

  • Single log-in to one platform
  • Supplier registration within minutes to get started on accelerating invoices
  • Visibility across your company’s entire supply chain
  • Easy-to-use Invoice Central requires only two clicks to cash flow
  • Worldwide supplier care team provides outstanding service in multiple languages and time zones
  • Activation of your programme takes as little as four weeks
  • An average of 6,000 supplier participants per client, compared to just hundreds in most SCF programmes
  • Simple, secure, nightly CSV file exchange

Find out how our solutions can work for you.