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C2FO FinanceIQ™

Your go-to hub for smarter financial decisions

FinanceIQ* puts you in greater control of your cash flow, where you can harness Accounts Receivable (AR) intelligence provided by C2FO to seize cash flow opportunities — fast, decisive and all in one platform. 

FinanceIQ takes C2FO’s 17 years of global supplier-financing experience to power unique intelligence you can’t get anywhere else — spot invoice approval delays before they disrupt cash flow; analyze adjustments and deductions to improve your AR processes; and gain expert guidance on optimal payment terms. Stay proactive, seize opportunities early, and confidently steer your working capital strategy.

*FinanceIQ is currently available only to registered US suppliers.

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C2FO BY THE NUMBERS

Average Days Paid Early
m+
Invoices Accelerated In 2025
160+
Countries Served
$b+
Supplier Funding to Date

Detailed Invoice Management at a Glance

FinanceIQ unifies payment data into a single view — showing approvals, pending invoices, and deductions — so you can track buyer behavior, anticipate delays, and make smarter working capital decisions.

  • Centralize invoices, approvals, deductions and payments for better cash flow visibility
  • Eliminate manual tracking across buyers and systems
  • Monitor activities to predict delays and plan strategically
  • Identify meaningful patterns via personalized time-based data analytics
  • Leverage C2FO network intelligence of 1.75+ million business connections to strengthen AP and AR
  • Analyze cash flow performance over time

Turn Data into Action with Invoice Snapshots

Customize your invoice dashboard to track payments by buyer or time period, uncover key insights, and spot issues early with FinanceIQ’s real-time analysis.

  • What’s approved or still outstanding
  • Net expected payments
  • Applied deductions and their impact
  • How much each buyer has paid and when

Coming Soon: Connect your accounting system to unlock even greater cashflow insights.

Activate Account
Alfay Designs
"The faster the money comes in, the faster you can spend it on other types of growth ventures."
Jayme Smaldone
Owner, Alfay Designs
Harbor
"When I open my browser, I have three tabs that open up: my email, my bank and C2FO."
John Gallagher
CFO, Harbor Industries
GoGo Quinoa
"We’re able to use [C2FO] working capital to push forward more innovation."
Tal Tuchman
Director of Finance, GoGo Quinoa

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Frequently Asked Questions

FinanceIQ is C2FO’s new supplier intelligence platform that gives you comprehensive visibility into your receivables across all buyers. It turns your invoice and payment data into clear, actionable insights to help manage your cash flow more effectively.

FinanceIQ is separate from Early Pay. While Early Pay focuses on accelerating your approved invoices, FinanceIQ provides visibility and insights into all your receivables, whether you use Early Pay or not.

No. FinanceIQ delivers value to all suppliers, even those who don’t currently use our early payment options. It serves as your central hub for receivables intelligence across all your buyers on the C2FO platform.

FinanceIQ currently includes:

  • Receivables Snapshot that shows all approved invoices across buyers in one place – providing transparency into pending and approved statuses.
  • Trends & analytics for approvals, deductions, and payments over time – leading to smarter decision-making based on insights that guide strategy and growth.
  • Custom dashboards that can be filtered by buyer or timeframe – saving you time by eliminating manual data gathering from multiple systems.
  • Automation that replaces manual reporting and saves your team significant time.

FinanceIQ is the only platform that provides cross-buyer approval visibility in one central hub. It eliminates the need to log into multiple buyer portals, spreadsheets, and ERPs to understand your receivables position.

Currently, you can see buyer-approved invoices directly through C2FO. In the future, you’ll be able to connect your own accounting systems to get a consolidated view of your entire AR portfolio, including data on customers not currently on the C2FO platform.

It is a free product for now but as we look to add more capabilities in the future, the additional features may require a subscription fee.  We will always be upfront about any fees that may apply in the future.

For assistance with FinanceIQ, please visit our Contact Us page. Our Supplier Support team is happy to walk you through the platform to ensure you’re getting maximum value.