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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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.
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Learn more about our work with the IFC.
Get your invoices paid faster
C2FO Early Pay lets businesses turn approved receivables into capital by working directly with their customer to receive early payment, freeing up cash otherwise trapped in lengthy payment terms. Now you can get the cash flow you need to invest in everything from inventory to growing your team.
Your early payment is approved. Your cash lands the same day.
C2FO Instant Pay brings the same platform you already use, with patented Name Your Rate® technology, plus one critical difference: same-day funding. Get funded the moment your early payment is approved, without waiting on transfer or settlement delays. You still control the discount rate. You still work directly with your customer. You still get the flexibility and visibility Early Pay is known for.
We built our patented Name Your Rate® technology to give businesses the ultimate flexibility with early payment. You select a discount that works for you and receive a payment confirmation as soon as the next day.
You can choose from one of three rate options:
If you know you want consistent early payments at an agreed upon rate, C2FO Preferred delivers immediate benefits.
You can set a preferred offer in our easy-to-use early payment platform.
Get a Single View of Your Cash Flow
With C2FO Invoice Central, it’s easy to get better visibility into payments and gain access to low cost capital by offering customized rates for early payment.
Search our network to discover your customers that offer early payment with C2FO.
Your customer has already uploaded your approved invoices. Simply choose the invoices you want to be paid early and set your discount rate.
When your discount offer is accepted, you’ll receive payment as soon as the next day.
Top Fortune 100 and Forbes Global 2000 companies already offer early payment through C2FO. Activate your account, and you’ll see your approved invoices from all your active customers as soon as you log in.
“If I didn’t have C2FO, I’d be sitting in a different position right now. Having that opportunity of being paid almost 50% faster than I normally would allows me to continue to reinvest back into my company.”
Michael Twer
Founder and CEO, Delilah Home
Companies use C2FO because it allows them to take more control of their cash flow by controlling when they get paid. It’s also faster and easier, and provides a lower cost of capital than many sources of funding.
C2FO is the technology and support provider behind your buyers’ early payment programs. The C2FO platform provides a secure platform to request early invoice payments on demand.
Once your offer is accepted, payment is delivered by your buyer using your current payment method.
Payments are generally processed and distributed as soon as the next day of an offer being accepted.
Using the Early Pay program does not alter any existing terms or payment process.
C2FO Early Pay is different from Supply Chain Finance. You can choose to accelerate payment on receivables from your buyers or through a third party in our funding network — on your terms when you need it. You are not obligated to accelerate all of your invoices, which is often required by many factoring agreements. C2FO is 100% on-demand.