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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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.
With C2FO, Ulta Beauty strengthens vendor partnerships, eliminates manual discounting processes, and generates more income.
Ulta Beauty is a U.S. beauty retailer with 700+ locations nationwide. Committed to providing consumers not just with great products but an integrated experience, Ulta also offers salons staffed with trained beauty professionals in each of their stores.
With a focus on providing an excellent customer experience, Ulta has consistently outperformed other players in the industry.
A key part of providing a large and varied product selection to customers is a strong supply chain with good vendor partnerships.
Knowing that its business is only as strong as its supply chain, Ulta wanted to launch a dynamic discounting program that would provide vendors with low-cost access to cash flow.
Ulta needed a solution that would work with its SAP and Ariba systems without disrupting the existing processes and technology roadmap.
An Ulta board member recommended C2FO as a simple solution that didn’t require a change to existing processes or A/P technology. Strong referrals from other retailers confirmed C2FO as the right choice.
With C2FO, Ulta is able to strengthen vendor partnerships by providing easy access to working capital.
Ulta’s financial team has increased its efficiency by eliminating manual discounting processes, and C2FO’s hands-on support helps the team optimize program results, with income growing each year since the program launched.
With C2FO in place, Ulta can focus on expanding its product offering and retail footprint.
“The biggest benefit of C2FO is the value we provide to our vendor community. By accelerating payments at a relatively low cost, it strengthens our brand partnerships and negotiations.”
Success Snapshot
Ulta Beauty is bolstering its supply chain with easier access to working capital.
C2FO’s support team has helped grow the program, while the platform has freed Ulta Beauty from many manual tasks.
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