How to Get More Out of C2FO Early Pay: 4 Strategies From High-Volume Suppliers

Key Takeaways

• Use recurring offers. Set your discount rate once and let it apply automatically to new invoices. This is the most common approach among high-volume suppliers.
• Log in daily. Suppliers who check C2FO every day capture more early payment opportunities than occasional users.
• Test your discount rate. C2FO offers three discount rate types: Name Your Rate, Trending Rate, and Express Accept. each balancing cost against speed of approval.
• Accept today’s rate. Waiting for a lower rate rarely pays off. The value of immediate cash typically outweighs a small rate difference.

C2FO has delivered over $500 billion in working capital to suppliers since launch. On average, suppliers receive payment 32 days early. Both results come from suppliers who use the platform consistently. The four strategies below show exactly how they do it.

Strategy 1: Log In Daily

Suppliers who check C2FO every day catch more opportunities. New invoices are approved on a rolling basis. If you check weekly, you may miss the window on invoices that have already been paid or are no longer available.

Don Schneidman, CFO of Winholt, a food service equipment manufacturer: “C2FO is my first click every morning. There was a period where I was doing a transaction every day in the C2FO platform.”

Daily check-ins also give you full visibility into your receivables through FinanceIQ™,¹ where you can see approved invoices across all your buyers in one place, monitor deductions, and track approval trends without logging into multiple portals.

“C2FO is my first click every morning. There was a period where I was doing a transaction every day in the C2FO platform.”

Don Schneidman

CFO, Winholt

Strategy 2: Test Different Discount Rates

C2FO gives you three ways to set a discount when submitting an offer:

• Name Your Rate lets you enter any rate you choose. The platform shows rates that are more likely to be accepted, but the final decision is yours.
• Trending Rate is a suggested rate based on current market activity. It improves your odds but does not guarantee acceptance.
• Express Accept is guaranteed to be accepted immediately, at a slightly higher rate.

The right choice depends on your situation. If you need cash today, Express Accept removes the uncertainty. If you have a large invoice and some patience, Name Your Rate may get you a lower cost. Trending Rate is the middle ground.

Rates are not fixed. A buyer who accepted 1.2% last week may accept 1.0% this week. Suppliers who test rates across invoices and buyers find the floor over time. 

Candice Nicole, HUmineral: “[The discount cost is] so minimal, it’s just almost unreal.”

HUmineral is a US nutraceutical supplier. Nicole’s comment reflects a pattern across the network: suppliers who test different rates often find their actual discount cost comes in well below what they budgeted for.

“[The discount cost is] so minimal, it’s just almost unreal.”

Candice Nicole

HUmineral

Strategy 3: Accept Today’s Rate

When the Trending Rate comes in higher than expected, the temptation is to wait and see if it drops. This usually costs more than it saves.

If your invoice is $50,000 and the discount difference between today’s rate and what you expect tomorrow is 0.3%. That difference is $150. If that $50,000 lets you pay a supplier on time, avoid a late fee, or place an inventory order that earns a volume discount, the $150 is already covered. The other factor is certainty. Rates move based on buyer behavior, and tomorrow is not guaranteed to be lower. Waiting also delays your cash and adds a task to your queue.

Kelly McClelland, Offshore Inspection Group: “I know exactly after that invoice is approved when I’m getting cash and what I can do with it.”

Knowing the exact timing of incoming cash is more useful than optimizing the last decimal of the discount rate.

“I know exactly after that invoice is approved when I’m getting cash and what I can do with it.”

Kelly McClelland

Offshore Inspection Group

Strategy 4: Use Recurring Offers

C2FO’s recurring offer feature applies your chosen discount rate automatically to all new invoices from a buyer, or across multiple buyers, as they are approved. You set it once. The offers go out without any action from you. Suppliers who automate their early payment activity receive more consistent cash flow and spend less time managing individual offers.

You can adjust or cancel a recurring offer at any time. If your cash needs change, update the rate. If a buyer relationship changes, pause that buyer’s recurring offer. The system gives you full control without requiring daily manual input.

Jennifer Moore, The Moore Group: “Using Early Pay allows me to immediately go through and realize the revenue from projects so I can actually start investing into other things.”

The Moore Group is a professional services firm. Moore uses recurring offers to convert approved project invoices to cash quickly, which allows her to fund the next project before the previous client pays under standard terms.

“Using Early Pay allows me to immediately go through and realize the revenue from projects so I can actually start investing into other things.”

Jennifer Moore

The Moore Group

Frequently Asked Questions

What are the best ways to get more cash from C2FO?
Log in daily, test different discount rates across different invoices and buyers, accept offers rather than waiting for a lower rate, and set up recurring offers so the platform works without manual input. High-volume suppliers tend to do all four.

Can I use C2FO with more than one buyer?
Yes. The platform shows invoices from all of your buyers in one dashboard. You can set different recurring offer rates for different buyers and manage offers for each independently.

What happens if a buyer does not accept my rate?
Nothing. The invoice stays in the portal and remains available. You can submit a revised offer the next day at a different rate, or wait until the invoice is paid on the original due date.

Is there a cost to join C2FO as a supplier?
No. There is no fee to register or use the platform. The only cost is the discount you offer on invoices you choose to accelerate.

¹ FinanceIQ is available in the US, Canada, and EMEA.