earlypay
C2FO Early Pay™
Get your invoices paid faster
Turn approved invoices into capital to grow your business. Working directly with your buyer, you can free up funds trapped in lengthy payment terms and get the cash flow you need to invest in everything from inventory to growing your team.
C2FO BY THE NUMBERS
- 30 Average Days Paid Early
- 40m+ Invoices Accelerated In 2025
- 152+ Countries Served
- $476b+ Supplier Funding to Date
C2FO's Early Pay Platform
The Only Early Payment Solution That Puts You in Control
We built our patented Name Your Rate® technology to give businesses the ultimate flexibility with early payment. You select a discount that works for you and receive a payment confirmation as soon as the next day.
You can choose from one of three rate options:
- Name Your Rate allows you to choose the exact amount you want to pay for your invoices to be paid early.
- Trending Rate is the rate your buyer has the potential to accept based on businesses similar to yours.
- Express Accept is the rate your buyer will accept immediately. This is the best option for receiving your payment faster if you want immediate access to cash.
Get a Single View of Your Cash Flow
C2FO Invoice Central
With C2FO Invoice Central, it’s easy to get better visibility into payments and gain access to low cost capital by offering customized rates for early payment.
View approved invoices for Early Pay
Manage invoices from all your buyers in the C2FO network and view cash flow forecasts and AR insights that help you manage your Early Pay opportunities. See invoices from in-network buyers and request early payment in just a few clicks. Keep an eye on invoice status changes and follow up on your pending Early Pay offers. Activate your account now to see your Early Pay approved invoices.
Get Started
Find Your Buyer and Activate Your Account
Search our network to discover your buyers that offer early payment with C2FO.
Select Invoices and Set Your Discount
Your buyer has already uploaded your approved invoices. Simply choose the invoices you want to be paid early and set your discount rate.
Get Paid Early
When your discount offer is accepted, you’ll receive payment as soon as the next day.
Do Your Buyers Already Use C2FO?
Top Fortune 100 and Forbes Global 2000 companies already offer early payment through C2FO. Activate your account, and you’ll see your approved invoices from all your active buyers as soon as you log in.
Optimize Your Cash Flow With Early Payment
“If I didn’t have C2FO, I’d be sitting in a different position right now. Having that opportunity of being paid almost 50% faster than I normally would allows me to continue to reinvest back into my company.”
Michael Twer
Founder and CEO, Delilah Home
Read Their Story
Frequently Asked Questions
I have financing options, so why would I use Early Pay?
Companies use C2FO because it allows them to take more control of their cash flow by controlling when they get paid. It’s also faster and easier, and provides a lower cost of capital than many sources of funding.
What is your relationship with my buyers?
C2FO is the technology and support provider behind your buyers’ early payment programs. The C2FO platform provides a secure platform to request early invoice payments on demand.
How do I receive payment?
Once your offer is accepted, payment is delivered by your buyer using your current payment method.
How quickly can I receive early payment?
Payments are generally processed and distributed as soon as the next day of an offer being accepted.
Does using the Early Pay program change my terms?
Using the Early Pay program does not alter any existing terms or payment process.
Is this the same thing as Supply Chain Finance?
C2FO Early Pay is different from Supply Chain Finance. You can choose to accelerate payment on receivables from your buyers or through a third party in our funding network — on your terms when you need it. You are not obligated to accelerate all of your invoices, which is often required by many factoring agreements. C2FO is 100% on-demand.