C2FO Dynamic Supplier Finance™

Supply chain finance, reimagined

Easily build a better, flexible supplier early payment programme with options to use funds from your bank, our global funding network or your balance sheet.

C2FO Dynamic Supplier Finance™ from C2FO on Vimeo

Improve Margins and Strengthen Your Supply Chain

C2FO Dynamic Supplier Finance is a win-win early payment solution, helping your business improve margins while giving your suppliers the capital they need to thrive.

Configurable Funding Model
Choose to fund early payments yourself, through your bank partners, through C2FO’s global network of third-party funders or a combination of all three — giving you the flexibility to manage seasonal cycles, investment projects and other liquidity needs.

Measurable Outcomes
Unlock supplier discounts in exchange for early payment to directly improve margins and EBITDA. C2FO helps you adjust the programme to maximise KPIs over time.

Broad Supplier Reach
Leverage flexible pricing, smart segmentation and an intuitive platform to drive adoption and boost your ROI while helping suppliers maintain healthy cash flow.

A Fully Configurable Early Payment Solution

Funding Mix
Fund early payments from your balance sheet, your banking partners, through C2FO’s global network of banking partners or with a hybrid approach across all three. C2FO works with you to design the right mix tailored to your priorities. C2FO’s platform also allows you to change the funding mix over time as your or your supplier’s needs and goals change, in real time.

Pricing
Set early payment rates that fit your strategy and supplier network. C2FO offers expert recommendations grounded in our experience in funding over 5.5 million supplier connections and deploying over $445 billion in working capital. From our patented Name Your Rate® offers to fixed or subsidised models, C2FO gives you pricing options that balance maximising returns with supplier participation.

Supplier Segmentation
C2FO’s platform allows you to target suppliers based on any segmentation you can think of, such as geographical location, materiality to your supply chain, industry, length of relationship, payment terms, ESG focus.

Get Returns on Your Cash Faster Than Ever With C2FO’s Dynamic Discounting

Dynamic Discounting transforms the traditional early payment discount model by allowing suppliers to receive accelerated payments in exchange for flexible discounts that adjust based on payment timing and supplier demand. Within this landscape, C2FO’s Name Your Rate® feature stands out as a revolutionary approach that empowers suppliers to propose their own discount rates for early payment, creating a true market-driven system, which has proven to deliver outsized results for buyers and suppliers.

Unlike conventional supply chain financing or static early payment programmes where rates are predetermined, C2FO allows a collaborative platform where suppliers maintain complete control over their cash flow decisions. This supplier-centric model reduces financial cost in the supply chain and creates a transparent marketplace where you and your suppliers both benefit—you optimise returns on your excess cash while suppliers access affordable working capital precisely when they need it, on their own terms, saving money over their alternative options. Get a better return on your cash and support your suppliers with Dynamic Discounting.

C2FO’s Dynamic Supply Chain Finance: Boost Margins While Supporting Suppliers

Transform your financial strategy with C2FO’s early payment platform, offering suppliers flexible payment options while strengthening your supply chain’s financial resilience.

Traditional Supply Chain Finance (SCF) programmes can take months to implement and typically focus only on your largest suppliers. With C2FO’s Dynamic Supplier Chain Finance (DSCF), your business can:

• Access an extensive network of global banking and funding partners with a single integration. You no longer need to implement a distinct programme with each funder.
• Expand your financial support across your entire supplier base while still working with your primary funder, with C2FO’s state of the art DSCF platform.
• Implement fully, in as little as 6 weeks.
• Enhance supplier support with C2FO’s seamless experience that achieves significantly higher adoption rates. Many of your suppliers are likely already using the platform.
• Provide a consistent digital supplier experience regardless of region, funder, or pricing, resulting in higher and stable supplier participation. Serve suppliers of all sizes across your entire supply chain, not just your top 10%.
• Adapt pricing and offerings across supplier tiers and segments in a single programme, and easily switch between funders and, if you choose, your own balance sheet.
• Create and manage flexible pricing constructs by supplier segment: fixed rates, SOFR-benchmarked rates, or C2FO’s Name Your Rate™.

Why Leading Buyers Partner with C2FO

Win-Win

Support suppliers and improve margins with discounted payments.

Dynamic Funding Terms

Leverage your balance sheet, bank partner, our global funding network, or any combination thereof, to meet your organisation’s financial goals.

Simple Setup

Build a dynamic supply chain finance programme without the administrative burden. Our dedicated team of advisors work with you to achieve the best financial outcome.

“We viewed [C2FO] as a riskless opportunity for us. These are bills that we are going to pay, and it just gave us an opportunity to get a discount and simultaneously partner with suppliers.”
Jim Schenk, Principal, Treasury Cash Management, Macy’s

“Our partnership with C2FO is a great example of what can be accomplished when thoughtful, ethical organizations are willing to challenge the status quo.”
Joseph E. Grachek III, VP Merchandise Accounting Controller, Costco

“We felt we were lagging behind in terms of innovation. We chose to implement the C2FO platform, which has evolved traditional dynamic discounting to a stronger market-based model.”
Global Head of Indirect Procurement, Philips

Forbes Global 2000 Companies Trust the C2FO Platform

Get Started With Dynamic Supplier Finance

Connect with our team of trusted advisers to discuss how C2FO’s working capital solutions can help you maximise cash flow.