Meet seasonal demand

Find your customers on C2FO

Access working capital when your needs are at peak, but your funds are not

If your business faces seasonal peaks and valleys, C2FO can help you manage the gap between the production of goods and payment from your customers.

C2FO helps you access early payment from your customers so you can focus on your business, not your financing, during your busiest months. Having available cash also helps fund marketing to maximize your seasonal sales.

Lower your cost of borrowing when you need cash the most

You can use C2FO to supplement your line of credit when your working capital needs are greatest. C2FO can offer a lower cost of borrowing than your line of credit or other funding options. Less debt means more cash to invest in expanding your product line and market ahead of your next busy season.

Compare C2FO to other types of funding

How C2FO helps InCharacter Costumes:

  • Flexibility to choose which invoices they want paid early and at a rate they determine
  • Easier than reconciling factored receivables
  • Preserves their bank credit for when they need it most
  • Easy-to-use program

C2FO takes the scare out of cash flow for InCharacter Costume’s highly seasonal business

For 40 years, InCharacter Costumes has been a pioneer in the mass market Halloween industry. As a highly seasonal business, InCharacter Costumes starts the manufacturing process as early as January and doesn’t realize payment for their sales until November.

Ninety-nine percent of our business is derived from Halloween costume sales which means that we’re making sales as early as March of every year and we won’t be collecting until November of that year. We are still paying for the manufacturing of those goods that we are selling to retailers. Cash is going out. Receivables are building up. With the introduction of C2FO, my cash flow problems are few and far between.

— Robert Torre, Controller, InCharacter Costumes