2021 Working Capital Survey

Small to Mid-Sized Businesses Challenged by Uncertainty, but Remain Optimistic

What keeps your suppliers up at night?

A new C2FO worldwide survey of more than 6,700 leaders of small to mid-sized businesses (SMBs) found surprising alignment in terms of access to liquidity, the cost of borrowing, and their outlooks for the future.

Our 2021 Working Capital Survey was conducted across 16 countries in December 2020 and January 2021.

Key findings from the survey include the following:

  • Most respondents cited economic instability and uncertainty about customer orders as their biggest challenges — concerns likely fueled by the economic crisis that followed the COVID-19 pandemic.

  • An average of 87% of respondents said they have enough liquidity for the next six months.

  • The cost of liquidity continues to rise, as 65% of respondents said they pay an APR of more than 8%.

This survey provides unique insight into your supply chain and identifies key areas to help support the SMBs in your ecosystem. 

To gain a better understanding of your suppliers' challenges, opportunities and needs, download the results now. 

Download the Survey Now

More than half of Fortune 500 companies partner with C2FO

To learn more about how SBMs worldwide responded to our survey, download the full report.

Download Now

Delivering Capital on a Global Scale


Seamless, reliable collaboration with your customers, suppliers and funding partners


Network of over one million businesses achieving working capital goals together


Capital can be dynamically funded from your balance sheet or our global funding partners


Leading technology combined with outstanding customer collaboration produces optimal results