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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Bunnies by the Bay Finds Trusted Financing with C2FO Lending Connections. Read more >
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.
Get Paid in Minutes: Skip Settlement Delays
Access your funds in minutes without the usual waiting periods. Traditional payouts force suppliers to wait twice: first for your customer’s scheduled payment cycle, and then for multi-day bank clearing times and float delays. C2FO Instant Pay™eliminates both hurdles by transferring cash directly to your account in minutes. It works seamlessly inside the C2FO platform you already use, with the same login and no new systems to learn.
With C2FO Instant Pay, the moment an early payment is confirmed, funds are on the way. Same-day funding means capital lands in your account when you need it.
What this means for you: Immediate access to cash you’ve already earned, so you can optimize working capital without waiting for settlement. Clearer cash flow visibility and smarter forecasting when you have capital in hand today, not tomorrow.
Instant Pay lives inside the C2FO platform you already use. There’s no new system to learn, no separate login, and no lengthy onboarding, just a one-time setup to connect a bank account and confirm remittance details.
What this means for you: Less administrative lift for the finance team and a faster path from sign-up to funded.
Instant Pay is launching with a limited rollout over the coming months. Those on the waitlist will be first in line as access expands.
C2FO Instant Pay™ is a new offering that lets you access funds on an approved invoice as soon as it is confirmed for early payment. This allows you to receive your money in minutes instead of waiting for customer payment cycles and traditional bank processing timelines.
C2FO Instant Pay™ delivers the same flexible early payment experience on the platform you already know, but with accelerated delivery. While Early Pay provides payment sooner, it includes a traditional settlement window, Instant Pay eliminates that time so your cash arrives in minutes instead of days. Why wait on slow processing times or leave capital on bank float when you can access your earned revenue immediately? It is the same intuitive platform and control, engineered for maximum speed.
C2FO Instant Pay™ eliminates standard waiting windows by completely bypassing both customer payment schedules and traditional bank settlement delays. Funds arrive in your designated account within minutes of invoice confirmation.