Compare C2FO to supply chain finance

Find your customers on C2FO

Application Process Complex
Legal review needed Yes
Approval Must qualify, may take weeks or months
Requirements Buyer must offer this financing option to you
Collateral Often full invoice sale
Guaranties None
Advance Rates Value of invoices less financing costs
Cost Generally low, based on buyer credit risk
Fees May be none
Covenants Minimal
Reporting requirements Minimal
Borrowing Max Only limited by invoices
Recourse Not applicable
None
No
Not required, available on demand when needed
Approved buyer invoices are all you need
None
None
100% of awarded invoices, net of discount
Name Your Rateā„¢
None
None
None
Constrained only by invoices loaded and price offered
Not applicable

What to consider with supply chain finance:

  • Offered from your customer through a third-party financial intermediary
  • Generally low-cost as it is based on creditworthiness of your customer
  • Offered as a program by large customers to protect their supply chains
  • Often requires all invoices to be financed, with no choice for you
  • May be less accessible option for smaller suppliers due to the cost to the bank for compliance and onboarding of each supplier

Why most suppliers still need a different option:

  • Supply chain finance is offered by an individual customer, yet you may need invoice financing for more than one of your customers
  • You may not have access to supply chain finance programs if you are not a Tier 1 supplier with significant accounts receivable
  • C2FO, as a market, may include more than one of your customers already
  • C2FO is available on demand; you determine which invoices you want paid early and when you want to participate

The working capital guide:

Learn about funding options

For small and midsized businesses

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