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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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.
More sources of liquidity and smarter tools for stronger business outcomes
C2FO has worked to develop the funding solutions your business needs to thrive. From the ability to accelerate payments you’re already owed to providing right-sized and right-priced flexible borrowing options, C2FO Lending Connections has the solutions you need.*
*C2FO is solely acting as a reference for third-party lenders; all lending decisions and servicing are done by an unaffiliated third-party. By connecting with us, you acknowledge that C2FO may receive a referral fee from a lender and you give C2FO permission to provide your information to lenders for the purpose of such referral.
You asked for more customers. We’re building a way to include them.
C2FO Extended Network Finance lets you get paid early on receivables from any eligible customer.* Set it up once, at no cost, and any qualified invoice you share with us can be eligible for fast, flexible, and debt-free early payment.
We’ll begin rolling out C2FO Extended Network Finance to select audiences over the coming months as we expand buyer and invoice eligibility.
*C2FO Extended Network Finance will only be available in the US at launch. Funding eligibility is determined by our funding partners.
We refer you to lenders that offer a variety of funding solutions to fit your business needs and keep you in the driver’s seat.
Provides immediate access to capital using assets like receivables, inventory, or equipment as collateral.
Provides additional capital for short and intermediate time horizons with flexible pricing and paydown provisions.
Supplies growing companies with an on-demand line of credit. The funding amount is limited only by your outstanding invoices.
Covers the upfront costs of purchasing inventory or manufacturing inputs which allows your company to fulfill orders and grow.
Convert your invoices from customers who don’t share your invoices with us into working capital with ease and transparency. Unlike many other providers, our partners don’t require you to sell all invoices.
Access financing based on your company’s payables for the entire production lifecycle. Pay your vendors and the costs of raw materials while maintaining liquidity for other business operations.
“C2FO acted as a trusted, unbiased resource as we explored financing options. Rather than pushing a particular product, they helped me understand which ones were best aligned with our business needs.”
As your company continues to evolve, so do your working capital needs. Our advisors work directly with you to provide multiple referral options to find the right lender.
Our advisors will work with you to find the best solutions — helping you determine the products and lenders best positioned to support your growing business.
Your credit availability moves in real time, based on your open invoices, purchase orders and other available assets. Our intuitive technology and team of experienced working capital advisors stand ready to help you initiate the funding process with ease.
Finding the right lender can be a challenge in today’s marketplace, but we’ve got you covered. Our network of trusted funding partners provide timely and transparent terms, along with excellent customer service.
Our flexible process works with you to meet your needs. Our lending partners offer financing at lower deal minimums and adaptive lending processes to help ensure you qualify for the financing your company needs.
At C2FO, we’re committed to helping businesses access flexible, fast and affordable funding solutions. Our FAQ below answers our most common questions. Please schedule a call or contact us for personalized assistance.
We partner with a carefully vetted network of alternative and non-bank lenders that focus on providing fair and accessible funding solutions to businesses. We help match you with the right lender from our network, based on your unique needs.
Our network offers flexible solutions, ranging from small lines of credit to financing up to $100 million, depending on your business’s needs and qualifications.
We work with partners that offer a wide range of financing options, including: term loans, asset-based lines of credit, purchase order (PO) financing, invoice financing, and business lines of credit.
There’s no formal application process with us. Instead, we conduct a discovery call to understand your business and financial needs. Based on that conversation, we’ll connect you with the right lender.
We ensure all our partners are reliable, transparent and prioritize offering fair market pricing and adequate access to funding. We only work with lenders with a proven track record of integrity and quality service.
Yes, depending on the type of financing you’re seeking, your lender may request financial documents such as balance sheets, income statements or tax returns. However, our discovery call helps us streamline the process to refer you to lenders that best fit your needs and profile.
Once we’ve matched you with the right partner, the timeline for funding varies depending on the product. In general, your lender could provide a proposal within 2-5 business days, with funding often available within a few weeks, depending on the complexity of the financing.
No, our service is free to businesses. We are compensated by our lending partners when we successfully match you with a financing solution. There are no fees for the initial discovery call or for being introduced to our network of lenders.
Simply schedule a discovery call with us. We’ll take the time to understand your business needs, then connect you with the best lending partner for your situation.