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C2FO Powers Early Payment Programs for the World’s Largest Companies.
Discover expert insights on working capital, cash flow optimization, supply chain management and more.
We believe all businesses can and should have equitable access to low-cost, convenient capital to grow and thrive.
Get the working capital you need to thrive
Unlock the potential in your invoices and take control of your cash flow with fast, flexible access to low-cost capital. C2FO’s platform enables suppliers to get paid early by their buyers so they can invest more in their success.
Get your invoices paid early in just two clicks. On average, our customers’ invoices are paid 32 days sooner. Learn More
See approved invoices from all your buyers in one place and get cash flow insights at a glance. Learn More
Get rewarded for getting paid faster with the C2FO CashFlow+™ Card – automatically receive a refund of your discount and 1% cash back — up to a 2% total reward*. Plus, no load or annual fees.** Learn More
Turn your receivables into a line of credit with asset-based lending integrated into your early payment program with C2FO Capital Finance. Learn More
Early Pay is convenient access to low-cost capital. Our easy-to-use application 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.
Get cash flow insights and see the status of every invoice — all in one place. With 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.
Want to get rewarded for getting paid faster? Load your early payments directly to the CashFlow+ Card and automatically receive a refund of your discount* and 1% cash back — up to a 2% total reward*. The CashFlow+ Card provides convenient access to working capital with no load or maintenance fees.**
Find financing that meets your needs with lending through C2FO. The Capital Finance 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.
“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.”
Founder and CEO, UV Skinz
*You will receive your discount back, up to 1% of total invoice amount, plus an additional 1% cash back at card load. 1% is the maximum available cash back award rate. Award rate is subject to change based on underlying market conditions. Award rate will be expressly communicated when loading funds to your card. Please contact us via [email protected] for full details regarding applied award rate. See Terms and Conditions.
**There are no load or annual fees. You do not get charged for getting paid onto the card. There is a 2.5% foreign transaction fee for purchases made outside the US and up to a 3% ACH penalty fee to transfer funds off the card.
The C2FO CashFlow+ Visa®Card is issued by Sutton Bank pursuant to license by Visa Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.