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
Recent Article
C2FO & PWC Collaboration: Modernizing Supply Chain Finance Read more >
Recent Case Study
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.
A proven way to unlock value across your supply chain
C2FO helps you improve financial performance across key metrics, including cost of goods sold, EBITDA, working capital, and free cash flow, while strengthening your supplier relationships through AI- and data-driven programs.
Our unique approach combines Dynamic Supplier Finance, network insights, and advisory services to deliver substantial results — generating billions of dollars in improved financial performance for our clients.
C2FO helps businesses empower teams across finance, procurement, IT, and accounts payable to improve financial performance and strengthen supplier relationships — each from a different angle.
Improve cash returns, risk-free, or strengthen overall cash flow. See Finance & Treasury Solutions >
Strengthen working capital and reduce the cost of goods sold. See Procurement Solutions >
Implement C2FO’s solution easily with seamless ERP integration. See Implementation Details >
Experience full visibility into approved invoices with no disruption to existing processes. See AP Solutions >
Manage your financial goals while strengthening your supply chain with C2FO. By understanding your organization’s financial KPIs and working capital position, you can drive payment terms toward market standards and minimize supply chain risk. C2FO Working Capital Optimization™, in coordination with our Dynamic Supplier Finance platform, helps you improve EBITDA by reducing cost of goods sold while preserving cash flow.
Choose flexible funding sources through your own balance sheet, your bank, or our global network of third-party funders to achieve your financial objectives.
C2FO Working Capital Optimization is powered by more than $14 trillion in on-platform B2B invoices, giving you a clear view of your working capital strategy. Paired with expert advisory and execution services, C2FO’s integrated working capital optimization solution releases on average, more than 8% of spend as improved cash flow.
Improve margins and strengthen your cash returns by leveraging C2FO’s Dynamic Supplier Finance platform, which lets you offer suppliers discounted early payments through C2FO’s patented Name Your Rate® technology. Simply set your target rate of return and let C2FO take care of the rest.
C2FO’s Dynamic Supplier Finance™ platform helps you boost EBITDA, improve DPO, and increase working capital, all from a single, configurable program. Combine your own cash with capital from your bank or C2FO’s global funding network to build the exact early payment strategy your business needs.
Three solutions, fully configurable to reach suppliers of every size:
Whether your priority is improving DPO, boosting EBITDA, increasing working capital, protecting cash, reducing COGS, or any combination of these, C2FO’s Dynamic Supplier Finance platform lets you mix, match, and adjust your program in real time, all while supporting every supplier in your network.
Empower environmental, social, and governance (ESG) initiatives providing suppliers with better access to capital based on their rating. Meet your ESG goals and improve your supply chain health.
Launching a supplier finance program doesn’t have to be complex. Whether you’re pursuing a self-funded model, leveraging bank funding, or implementing a hybrid approach, setting up C2FO is quick and simple. C2FO powers many of the world’s largest supplier finance programs.
“I wanted a much more direct relationship with my suppliers and to deliver a solution for them that was not only beneficial for them, but beneficial for us with a level of flexibility that is different than you would get in a typical supply chain finance program.”
John Upperman
VP of Procurement, Thermo Fisher