Receive early payments on approved invoices
One platform for approved invoices
Accelerating MSME growth with faster working capital
Find your customers offering early payment
Answers to your questions about C2FO's cash flow solutions
C2FO Powers Early Payment Programs for the World’s Largest Companies.
Accelerate supplier payments with flexible funding options
Leverage streamlined supply chain financing with C2treds
Track, compare, and optimise your working capital position across your supplier network
Optimise your working capital position with expert CPSM® guidance
Implement working capital optimisation strategies with expert support
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Optimize your financial KPIs and working capital strategy with C2FO’s supplier financing solutions.
Featured Article
New TReDS Mandate Expands MSMEs’ Access to Capital. Learn more >
Featured Case Study
An Advertising Agency Considers C2FO’s Early Payment Platform as Its Most Dependable Alternative Source of Capital. Learn more >
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.
Recent News
C2FO Recognized at B20 South Africa for Driving Inclusive Growth Through Early Payments. Read more >
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 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.
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.
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.
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:
Support suppliers and improve margins with discounted payments.
Leverage your balance sheet, bank partner, our global funding network, or any combination thereof, to meet your organisation’s financial goals.
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.”
"Our partnership with C2FO is a great example of what can be accomplished when thoughtful, ethical organizations are willing to challenge the status quo."
“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.”