Debt-free payment on invoices available on C2FO
Immediate funding without bank settlement delays
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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
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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.
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Implied APR is a standardized metric used to express the cost of early invoice payment as an annualized interest rate. By converting a flat discount percentage into a yearly rate based on the number of days payment is accelerated, this figure allows businesses to compare the cost of early payment programs directly against other liquidity options, such as bank lines of credit, factoring, or asset-based lending.
The implied APR is determined by the relationship between the discount rate offered and the Days Paid Early (DPE). The DPE is the number of days between the early payment date and the original contractual due date.
For a supplier, not all discounts are created equal. A small discount on a very short acceleration can result in a high implied APR, making it a potentially expensive way to access cash. Conversely, a larger discount that clears a payment weeks in advance may yield a lower APR than a traditional short-term loan.
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