Working Capital Solutions for Your Business I C2FO
The Power to Get Paid Faster
Take control of your cash flow with C2FO®
It’s time to get paid sooner so you can get more done. With fast, flexible access to low-cost capital, C2FO helps you turn invoices into opportunities — today.
Fast
Two clicks gets you paid early, in as little as 24 hours
Flexible
Select your invoices, discount rates, and payment dates
Easy
No contracts, no fees — just the capital you need now
C2FO BY THE NUMBERS
32
Average Days Paid Early
160+
Countries Served
42m+
Invoices Accelerated in 2025
$500b+
Supplier Funding to Date
On-Demand Capital for Every Business
C2FO is the only working capital solution that allows suppliers to get invoices paid early, when they want, at a discount they select using our patented Name Your Rate® technology. No loans, factors, paperwork or hassle. Just one click to set your rate, and if accepted, a payment that was to be made in 30, 60 or 90 days is made immediately. Why borrow working capital when you can accelerate it instead?
With fast, flexible access to low-cost capital, every business can gain total control over their cash flow and unlock the potential in their balance sheet like never before.
Trusted by Leading Fortune 100 Companies
How Suppliers Win With C2FO
C2FO Customer Success: Alder Creek Gift Baskets Case Study (:30) from C2FO on Vimeo
“I would highly recommend C2FO to any small business. This is a programme that does not take advantage of us, that is actually here to help us be financially sound and compete with larger companies.”
Andrea Stringer
President and CEO, Alder Creek Gift Baskets
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C2FO Customer Success: Lemon Ad Stand Case Study (1:00) from C2FO on Vimeo
“What C2FO is allowing us to do is really operate and function as we should be functioning, and everyone gets paid for the work that they do, when they do it.”
Calvin Jackson
Owner and Creative Director, The Lemon Ad Stand
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“Working capital without risk or restrictions fuels innovation, business prosperity and the economy at large.”
Sandy Kemper
C2FO Founder and CEO
C2FO Serves Businesses Like Yours
Unlocking cash flow
Businesses that want to unlock cash trapped by payment terms, enabling access to capital without the hassle of traditional loans or factors. Learn More
Achieving metrics
Businesses focused on improving key financial metrics including EBITDA and free cash flow. Learn More
Reducing barriers
Business owners who need working capital to grow and have been held back by the barriers inherent in risk-based underwriting. Learn More
Strengthening supply chains
Global enterprises focused on supporting their suppliers and providing additional financial support and opportunities to those that are diverse-owned and sustainable. Learn More
Empowering Global Business
Easy access without the hassle
Without loans or paperwork, it’s easier than ever to access more capital to invest in your business.
Complete suite of working capital products
Strengthen your business with options that deliver the right funding at the right time, for the right price.
Flexible, on-demand capital platform
See approved invoices from multiple customers in one place, select invoices to be paid early, and name your discount rate.
Patented technology with a human touch
You can always rely on our team of trusted advisors to find the cash flow solutions that work for your business.
An innovative win-win model
Our unique approach to dynamic discounting and supplier finance keeps cash flowing for suppliers and improves key financial metrics for buyers with more flexibility and speed.
How can we help your business grow?
Building a Better Financial System
We are building a truly inclusive global economy where every business has equitable access to low-cost capital.
We believe that when all global businesses have access to the capital they need to grow, we all win. We offer an alternative to traditional financing options where suppliers can get paid early, and buyers are rewarded with returns on their cash. This innovative, win-win approach gets capital into the hands of businesses faster and at a lower cost.
As the world’s first on-demand working capital platform, we’re leveling the playing field for all businesses to achieve their goals.
C2FO: Building a Better Financial System from C2FO on Vimeo
Working Capital Optimisation Made Simple
Our unique three-pronged approach — C2FO’s network insights, expert working capital advisory services, and proven turnkey implementations — gives you real-time analysis and recommendations based on your accounts payable, receivables, and supply chain demographics to assess your overall working capital position and identify optimisation opportunities. Make informed changes to your working capital strategy with our best-in-class analytics platform which combines C2FO’s industry leading data, 17+ years of working capital management expertise, and implementation know-how to ensure you confidently align supplier terms and programmes with your business goals.