# Report: 2024 Working Capital Survey

### Early Payment vs. a Business Loan: 8 Key Differences

According to the Federal Reserve's 2025 Small Business Credit Survey, only 42% of small business applicants received the full amount of financing they requested. Early payment gives suppliers access to cash they are already owed, with no application, no interest, and no debt.

### What Are the Biggest Myths About C2FO Early Pay?

Discover the truth behind the 6 biggest myths about C2FO Early Pay. Learn how sophisticated finance teams use capital efficiency to scale, not just survive.