Debt-free payment on invoices available on C2FO
Immediate funding without bank settlement delays
Turn AR insights into cash flow
See which of your customers offer early payment
Tailored financing that works with Early Pay
Get paid early on invoices your customers don't yet send to C2FO
Answers to your questions about C2FO's cash flow solutions
C2FO powers early payment programs for the world’s largest companies.
Improve financial performance through flexible early payment options
Strengthen your supply chain with flexible funding options
Extend payment terms with supplier consent — flexibility for your business, control for suppliers
Track, compare, and optimize your working capital position across your supplier network
Optimize your working capital position with expert guidance
Implement working capital optimization strategies with expert support
Fund, onboard and integrate — with ease
C2FO’s supplier financing platform integrates with your existing AP systems in weeks, not months. Fund early payments, onboard suppliers, and connect your ERP — all from one platform built to optimize working capital and financial KPIs.
See how implementation works
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Data-driven strategies for the modern enterprise
Leverage C2FO’s 17+ years of network intelligence for market-leading reports. We translate global intelligence into actionable insights, helping you optimize working capital, mitigate risk, and lead confidently in an evolving economy.
Do work that matters with a team that cares. C2FO is proud to be one of the fastest-growing, most dynamic financial technology companies, with career opportunities available around the globe.
IFC Updates
Learn more about our work with the IFC.
Strengthen liquidity with the right data, guidance, and execution
C2FO Working Capital Optimization is an analytics-driven solution that helps businesses strengthen cash flow and align their working capital strategy with business goals while supporting suppliers.
C2FO’s industry-leading network intelligence and granular, real-time data analysis can help businesses determine where their payment terms stand in today’s environment. With more than 50 million new, unique transactions daily, our proprietary benchmarks and quantitative methodologies have helped clients unlock an average of 8% of eligible spend per engagement.
C2FO provides the data-backed insights and execution support that turn supplier relationships into a powerful lever for cash flow optimization and supply chain strength by unlocking your ability to finance suppliers’ growth needs.
C2FO’s network intelligence is powered by more than $14 trillion in on-platform B2B invoices.
81% of customers exceed their working capital targets when partnering with C2FO’s expert advisors.
Working Capital Optimization projects are implemented within three to four months, at an 80% spend conversion rate.
C2FO Working Capital Navigator™ is a data platform built on 50+ million daily transactions and $14 trillion in B2B invoice data. It helps businesses benchmark payment patterns and cash flow against industry standards. Access network intelligence and expert guidance to identify and capture working capital optimization opportunities.
Getting started is straightforward. Upload spend files to uncover working capital gaps and assess supplier payment terms risk. The platform identifies opportunities and delivers insights through an intuitive interface.
C2FO Working Capital Advisors provide expert guidance customized to your industry and supplier network. They support optimization across the entire supplier lifecycle: from segmentation through performance monitoring.
Our advisors guide you through every phase: segment suppliers strategically, draft competitive payment terms, define exception policies, set performance KPIs, and monitor results continuously. Clients who implement these best practices typically achieve high adoption: 80% of suppliers agree to new payment terms.
C2FO Terms Implementation is an execution service for payment terms rollouts. We ensure success – typical projects complete in three to four months and attain an 80% conversion rate.
Top performing companies trust C2FO to help them create more working capital for their organizations.