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.
The right capital at the right time
C2FO is the world’s largest on-demand working capital platform, helping businesses access fast, flexible, and low-cost capital from their accounts receivable.
C2FO is expanding its suite of cash flow and analytics tools, including our new Instant Pay solution.
We support every stage of your accounts receivable strategy, powered by our best-in-class data, patented Name Your Rate® technology, and our strong network of our strong funding network.
We deliver more liquidity, faster, smarter, and at a lower cost.
Get access to the working capital you need, when you need it, at a price that works for you.
Get paid early in just two clicks. Early Pay turns approved invoices into capital to grow your business. Working directly with your buyer, you can free up funds trapped in lengthy payment terms and get the cash flow you need to invest in everything from inventory to growing your team. Accelerate Your Invoices >
Get paid even faster. Unlock access to your funds within minutes—no need to wait for your customer’s next payment cycle. See How It Works >
Coming soon. Get paid early on any eligible invoice you share with us. Unlock early payment with more customers than ever before. Explore C2FO Extended Network Finance >
Achieve greater control of your cash flow, where you can harness accounts receivable intelligence provided by C2FO to seize cash flow opportunities—fast, decisive, and all in one platform. See FinanceIQ >
Access a flexible financing experience that integrates Early Pay with innovative funding strategies to ensure all your working capital needs are met. View Lending Solutions >
Early pay gives you convenient access to low-cost capital. Our easy-to-use platform with patented Name Your Rate® technology allows you to select the invoices to be paid early, choose a discount that works for you — often just a fraction of 1% — and get paid as soon as the next day.
Instant Pay is the newest evolution of Early Pay. Designed to allow you to accelerate invoices and receive the funds in moments.
Same easy platform, just faster.
Discover FinanceIQ™, C2FO’s powerful supplier intelligence hub that gives you complete visibility into payments across all customers. Track approvals, monitor deductions, identify cash flow trends, and eliminate manual reporting—all in one platform. More than just early payments, FinanceIQ delivers the working capital intelligence you need daily. FinanceIQ can transform your financial visibility and decision-making.
Find financing that meets your needs with lending through C2FO. The C2FO Lending Connections team will help you take advantage of our comprehensive suite of lending solutions that include asset-based lending, receivables finance, factoring, and term loans from $1 million to $100 million at competitive rates.
Get cash flow insights and see the status of every invoice — all in one place. With C2FO Invoice Central there’s no need to log into multiple customer portals. Just select the specific invoice you want to accelerate and it can be paid early in two clicks.
Reach your full business potential when you get early payments from your biggest customers.
“We save four to five times more on the cost of money using C2FO. When we are in need of cash flow, we don’t have to wait as long. It’s been a game-changer for us.”
Rhonda Sparks
Founder and CEO, UV Skinz