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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 paid faster, with no discounts, and protect your margins with the C2FO CashFlow+™ Card
Request your card to get convenient, no load or annual fees* access to the working capital you need to thrive. The card is funded by accelerated payments on your approved invoices, with no discount. You protect your margins while getting paid early. Plus, you’ll earn up to 1.5% cash back.
Accelerate invoices with no discounts. Get paid on the card with no load or annual fees*.
Load and use the card how you want — getting paid early or loading cash.
No credit checks or guarantees required.
Earn up to 1.5% cash back.
CashFlow+ Card is cash in your hands. Get convenient, no load or annual fees* access to the working capital you need to thrive.
CashFlow+ Premium Card offers the same ability to get paid early, with no discount, on all your approved invoices with higher transaction and load limits.
The card can be funded by adding cash or by accelerating invoices on your approved invoices.
You protect your margins while getting paid early.
Simply link your bank account
to your card in the card platform
to accelerate invoices
or load cash.
Select invoices you want paid early in the C2FO platform. Your buyer will take a small discount on invoices paid early.
Load cash directly to your card without accelerating an invoice.
Load your partial or full invoice amount on your card and we’ll refund the discount amount.
Get 0.5% cash back immediately when adding cash to the card.
Accelerate new invoices and load the full or partial amount onto the CashFlow+ Card, then receive a refund of your discount.
Earn 1% cash back on all purchases. Plus, get 0.5% cash back immediately when you add cash to the card.
Authorized Users make your life easier. You control how much they spend on their own card.
Ability to load your card the way you want it by accelerating invoices you want early or loading cash directly from your bank account.
Use everywhere Visa is accepted.
C2FO will automatically debit accelerated CashFlow+ offers from your bank account and load funds to your card on the expected payment date.
“Your C2FO CashFlow+ Card is a game changer for us. We are a small business and selling to large companies is difficult and made even more so because of the seasonal nature of our business.”
“I’ve been using C2FO CashFlow+ to pay vendors that accept credit card payments. This ingenious tool reduced my overall AR days without being impacted by discounts. The 1% cash back is icing on the cake!”
“I use the card to buy postage to ship our products, as well as pay for utilities and warehouse supplies. It functions well and meets our needs — plus I like the reward program.”
Here’s how it works: Merchants that accept the card pay the interchange fee. We use this to fund the discount paid to your buyers and the 1% cash back. There is no cost to you to use the card. The card works just like a normal card when you use it anywhere Visa is accepted and earn 1% cash back on all purchases.
Yes. You can choose which invoices are settled to the card versus other settlement methods. However, you are limited to one offer per market per day. Therefore, if you choose to settle your day’s invoices to the card from one buyer, you must wait one day before you can accelerate other invoices from that same buyer via the traditional Early Pay system.
You can fund your card in two ways:
Yes, you can add any number of employee cards to the account. You control the spending limits and can set spending limits for each Authorized User individually. This means some employees could have higher spending limits than others.
Fill out the form below and we will give you a call and guide you through registration.
*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.
View Cardholder Agreement