Product List

C2FO offers a wide range of funding solutions, all on a single, easy-to-use platform.

Dynamic Supplier Finance

C2FO stands for “Collaborative Cash Flow Optimization.” But that only explains part of our role as the world’s largest platform for working capital.

In 2008, we began building a digital working capital platform that matched the accounts receivable and accounts payable for hundreds of thousands of companies. This digital solution enabled suppliers to receive early payment on their invoices, at discounts that they determined. Their customers used the invoice discounts to safely increase margins and profits, while ensuring the health of their supply chains.

Since our first transaction in March 2010, C2FO has created more than $110 billion in working capital funding and accelerated payment by more than one billion days for companies in 183 countries. Headquartered in Kansas City, C2FO today has expanded to operation centers in Europe, China, India and Australia.

At the same, we have evolved to provide more working capital solutions to companies, their suppliers and their customers. Our clients today can use the C2FO platform to accelerate or extend payment to their supplies, and also accelerate or extend receivables from their customers. ,

They can use their own balance sheets or third-party funding from C2FO’s network of lending partners to adjust the timelines on AP or AR, providing more flexibility and control over working capital for everyone in their ecosystem.

Dynamic Supplier Finance

C2FO stands for “Collaborative Cash Flow Optimization.” But that only explains part of our role as the world’s largest platform for working capital.

In 2008, we began building a digital working capital platform that matched the accounts receivable and accounts payable for hundreds of thousands of companies. This digital solution enabled suppliers to receive early payment on their invoices, at discounts that they determined. Their customers used the invoice discounts to safely increase margins and profits, while ensuring the health of their supply chains.

Since our first transaction in March 2010, C2FO has created more than $110 billion in working capital funding and accelerated payment by more than one billion days for companies in 183 countries. Headquartered in Kansas City, C2FO today has expanded to operation centers in Europe, China, India and Australia.

At the same, we have evolved to provide more working capital solutions to companies, their suppliers and their customers. Our clients today can use the C2FO platform to accelerate or extend payment to their supplies, and also accelerate or extend receivables from their customers. ,

They can use their own balance sheets or third-party funding from C2FO’s network of lending partners to adjust the timelines on AP or AR, providing more flexibility and control over working capital for everyone in their ecosystem.

Dynamic Supplier Finance

C2FO stands for “Collaborative Cash Flow Optimization.” But that only explains part of our role as the world’s largest platform for working capital.

In 2008, we began building a digital working capital platform that matched the accounts receivable and accounts payable for hundreds of thousands of companies. This digital solution enabled suppliers to receive early payment on their invoices, at discounts that they determined. Their customers used the invoice discounts to safely increase margins and profits, while ensuring the health of their supply chains.

Since our first transaction in March 2010, C2FO has created more than $110 billion in working capital funding and accelerated payment by more than one billion days for companies in 183 countries. Headquartered in Kansas City, C2FO today has expanded to operation centers in Europe, China, India and Australia.

At the same, we have evolved to provide more working capital solutions to companies, their suppliers and their customers. Our clients today can use the C2FO platform to accelerate or extend payment to their supplies, and also accelerate or extend receivables from their customers. ,

They can use their own balance sheets or third-party funding from C2FO’s network of lending partners to adjust the timelines on AP or AR, providing more flexibility and control over working capital for everyone in their ecosystem.
Flag Card Wide List

Invoice Factoring

cost

$3,000

Fees

2%

of invoice

Line Of Credit

cost

$900

Fees

1%

Annual

Asset-Bassed Lending

cost

$1,800

Fees

2%

Annual

C2Fo

cost

$500z

Fees

None

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  • 1
    foo1

    review invoices

    Customers have already uploaded your invoices

  • 2
    foo2

    make your selection

    You choose which invoices to discount

  • 3
    foo3

    set a discount

    your offer a discount for early payment

  • 4
    foo4

    receive payment

    If accepted, customers release payment

Scheduling Calendar

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Call us (844)805-8522 or book an appointment using our online scheduler

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Monday through Friday

8am to 8pm (CST)

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The Most Flexible Way to Meet Your Organization’s Financial Goals

C2FO’s unified, secure platform provides many tools to help you manage your company’s dynamic working capital needs. Whether you want to drive cash flow or net profit, you can take control of your financial and sustainability goals while strengthening your suppliers and customers. Because plans and needs change throughout the year, C2FO offers the flexibility to use your own balance sheet, a global funding network, or both — without impacting your trading partners.

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Learn more about our solutions
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Take control of your cash flow with C2FO

  • Grow your business without growing debt
  • Bring in capital to meet seasonal demand.
  • Control financial metrics during key reporting periods.
  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.
  • Zero fees. You only py for the discount you offer for early payment.
  • Get paid faster in as little as 24 hours after offering a discount
Customer Success Stories
Info Hero (no CTA)

Take control of your cash flow with C2FO

  • Grow your business without growing debt
  • Bring in capital to meet seasonal demand.
  • Control financial metrics during key reporting periods.
  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.
  • Zero fees. You only py for the discount you offer for early payment.
  • Get paid faster in as little as 24 hours after offering a discount
Info Hero with video

Take control of your cash flow with C2FO

  • Grow your business without growing debt
  • Bring in capital to meet seasonal demand.
  • Control financial metrics during key reporting periods.
  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.
  • Zero fees. You only py for the discount you offer for early payment.
  • Get paid faster in as little as 24 hours after offering a discount
Customer Success Stories
Faq Hero

Frequently asked Questions

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Frequently asked Questions




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Costco Working Capital Flows Growth

testOne

Cumulative Supplier Participations

testTwo

The Results

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ABM Info Hero

Take Control of your cash flow with C2FO®

image alt text
  • Grow your business without growing debt.

  • Bring in capital to meet seasonal demand.

  • Control financial metrics during key reporting periods.

  • Minimize the use of internal resources and generate a fair return on cash.

  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.

  • Zero fees. You only pay for the discount you offer for early payment.

  • Get paid faster in as little as twenty-four hours after offering a discount.

Customer success stories
ABM Hero with video

Take Control of your cash flow with C2FO®

  • Grow your business without growing debt.

  • Bring in capital to meet seasonal demand.

  • Control financial metrics during key reporting periods.

  • Minimize the use of internal resources and generate a fair return on cash.

  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.

  • Zero fees. You only pay for the discount you offer for early payment.

  • Get paid faster in as little as 24 hours after offering a discount.

Customer success stories
Hero Icon

Who We Are

At C2FO, our mission is to deliver a future where every company around the world has the capital needed to grow. As the largest platform for working capital, we serve over one million businesses worldwide representing more than $10.5 trillion in annual sales. Our solutions help companies, their suppliers and their customers gain greater control over their cash flow — on- demand, when they need it.
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Enjoy Our 2021 Capital Survey:

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How We Began, Where We’re Headed

C2FO stands for “Collaborative Cash Flow Optimization.” But that only explains part of our role as the world’s largest platform for working capital.

In 2008, we began building a digital working capital platform that matched the accounts receivable and accounts payable for hundreds of thousands of companies. This digital solution enabled suppliers to receive early payment on their invoices, at discounts that they determined. Their customers used the invoice discounts to safely increase margins and profits, while ensuring the health of their supply chains.

Since our first transaction in March 2010, C2FO has created more than $110 billion in working capital funding and accelerated payment by more than one billion days for companies in 183 countries. Headquartered in Kansas City, C2FO today has expanded to operation centers in Europe, China, India and Australia.

At the same, we have evolved to provide more working capital solutions to companies, their suppliers and their customers. Our clients today can use the C2FO platform to accelerate or extend payment to their supplies, and also accelerate or extend receivables from their customers. ,

They can use their own balance sheets or third-party funding from C2FO’s network of lending partners to adjust the timelines on AP or AR, providing more flexibility and control over working capital for everyone in their ecosystem.
Hero

Who We Are

At C2FO, our mission is to deliver a future where every company around the world has the capital needed to grow. As the largest platform for working capital, we serve over one million businesses worldwide representing more than $10.5 trillion in annual sales. Our solutions help companies, their suppliers and their customers gain greater control over their cash flow — on- demand, when they need it.
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Ready to work together for a better solution?

Contact Our Team
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Ready to work together for a better solution?

Content 3 Column

C2FO by the numbers

We are the world's largest platform for working capital
1M+

Connecting AP and AR of over one million customers worldwide

<50%

More than half of Fortune 100 companies use C2FO

$10.5T

Customers represent over $10.5 trillion in annual sales

Video Two Column

A Global Vision for Working Capital

Like many good ideas -- we have 'em

C2FO was built to solve big problems, which means providing an alternative to help free up cash in a flawed financial system.

Media Two Column

Take control of your cash flow with C2FO

  • Improve supplier relationships while reducing costs and risks throughout the supply chain

  • Use working capital in a more efficient manner

  • Reduce internal costs and improve returns on short-term investments 

  • Minimize the use of internal resources and generate a fair return on cash

  • Provide a program that appeals to most suppliers and meets their funding needs

After exploring options that included invoice factoring and creating an internal program, Costco chose to move forward with a dynamic discounting solution with C2FO.

The Challenge

In seeking a new finance program for its suppliers, Costco had the following goals:

  • Improve supplier relationships while reducing costs and risks throughout the supply chain

  • Use working capital in a more efficient manner

  • Reduce internal costs and improve returns on short-term investments 

  • Minimize the use of internal resources and generate a fair return on cash

  • Provide a program that appeals to most suppliers and meets their funding needs

After exploring options that included invoice factoring and creating an internal program, Costco chose to move forward with a dynamic discounting solution with C2FO.

cosco worker

After exploring options that included invoice factoring and creating an internal program, Costco chose to move forward with a dynamic discounting solution with C2FO.

A Global Vision for Working Capital

Like many good ideas, C2FO was born out of the need for something better.

The “why” of C2FO is that businesses worldwide need capital to grow and they don’t have access to it at the right price, in the right way or at the right time.

Founder and CEO Sandy Kemper explains C2FO’s mission to provide all businesses with the capital needed to grow.

The World’s Largest Platform for Working Capital

C2FO was built to solve big problems, which includes providing an alternative to help free up cash in a flawed financial system.

Sandy Kemper speaks about C2FO’s values, company culture, and commitment to solve problems instead of capitalizing on them.
truck

Leading Logistics Company Uses C2FO to Build Cash Flow and Improve Metrics

Over the past five years, a major US logistics provider has used early payment from C2FO to strengthen its balance sheet and accelerate more than $782 million in receivables.
machines

How a Major U.S. Manufacturer Bounced Back Using C2FO

The flexibility and speed of the C2FO platform enabled a Fortune 100 manufacturer to launch an early payment program for suppliers in less than six weeks.
Timeline 3 Spot

Breakthrough invovations beyond supply chain finance

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  • 1990s

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  • 2000s

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  • Today

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Perks and Benefits

We've got you covered

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Work Life Balance

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Diversity Minded

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We give back

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We value our people

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Live it up

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Info Hero Wide

Take control of your cash flow with C2FO

  • Grow your business without growing debt
  • Bring in capital to meet seasonal demand.
  • Control financial metrics during key reporting periods.
  • Get your customers to pay you early by offering your customers a discount in exchange for early payment.
  • Zero fees. You only py for the discount you offer for early payment.
  • Get paid faster in as little as 24 hours after offering a discount
Customer Success Stories
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Learn More
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The Challenge

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  • Quisque porta dolor at turpis malesuada iaculis.
  • Sed pretium urna vel magna gravida, eu viverra ex semper.
  • Fusce in quam maximus, lobortis neque at, faucibus purus.
  • In blandit enim quis euismod tristique.

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costco employee

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Icon Card List
icon
Funded more than
$110B
in working capital to date
icon
More than
1.6M
invoices accelerated each month
icon
Invoice payments accelerated by
1.5B
days
icon
Up to
50M
invoices uploaded per day
icon
Fortune 100 companies have early payment programs through C2FO
icon
Lorem ipsum
$200M
consectetur adipiscing elit
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September 8, 2020
Lily Lieberman

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Kansas City, USA (July 28, 2020) — At a time when the COVID-19 pandemic has hit minority- and women-owned businesses particularly hard, the financial system has been unable to meet their liquidity needs.

Early payment through C2FO, however, has been a reliable source of funding for these companies for many years, especially during times of crisis.

A recent analysis of invoices funded through C2FO early payment programs since the company’s inception shows that tens of thousands of minority- and women-owned business customers of C2FO utilize those programs at a rate of nearly 1.5 times the participation level of other businesses.

Specifically, 53% of women-owned businesses and 51% percent of minority-owned businesses have actively participated in the early payment programs, compared to 38% of businesses that are not women- or minority-owned.

Early payment through C2FO provides businesses of all sizes with the capital needed to grow. Debbie Nguyen, owner and CEO of research and development company AZ Prototype in Mesa, Arizona, said her customer relationships often involve revenue cycles of between 90 and 120 days. Funding through C2FO helps bridge those cash flow gaps for her company.

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“Through the years, C2FO’s early pay program has helped us receive early payment on those long-term customer invoices, which then gives us the cash we need to take on new projects and grow our business faster,” Nguyen said. “With the current economic uncertainty we all face, it is reassuring to know we can rely on C2FO to help meet our cash flow needs.” 

-Sandy Kemper

A recent analysis of invoices funded through C2FO early payment programs since the company’s inception shows that tens of thousands of minority- and women-owned business customers of C2FO utilize those programs at a rate of nearly 1.5 times the participation level of other businesses.

Specifically, 53% of women-owned businesses and 51% percent of minority-owned businesses have actively participated in the early payment programs, compared to 38% of businesses that are not women- or minority-owned.

Early payment through C2FO provides businesses of all sizes with the capital needed to grow. Debbie Nguyen, owner and CEO of research and development company AZ Prototype in Mesa, Arizona, said her customer relationships often involve revenue cycles of between 90 and 120 days. Funding through C2FO helps bridge those cash flow gaps for her company.


C2FO stands for “Collaborative Cash Flow Optimization.” But that only explains part of our role as the world’s largest platform for working capital.

In 2008, we began building a digital working capital platform that matched the accounts receivable and accounts payable for hundreds of thousands of companies. This digital solution enabled suppliers to receive early payment on their invoices, at discounts that they determined. Example Link Their customers used the invoice discounts to safely increase margins and profits, while ensuring the health of their supply chains.

Since our first transaction in March 2010, C2FO has created more than $110 billion in working capital funding and accelerated payment by more than one billion days for companies in 183 countries. Headquartered in Kansas City, C2FO today has expanded to operation centers in Europe, China, India and Australia.

At the same, we have evolved to provide more working capital solutions to companies, their suppliers and their customers. Our clients today can use the C2FO platform to accelerate or extend payment to their supplies, and also accelerate or extend receivables from their customers. ,

They can use their own balance sheets or third-party funding from C2FO’s network of lending partners to adjust the timelines on AP or AR, providing more flexibility and control over working capital for everyone in their ecosystem.

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Get your customers to pay you early

Use C2FO to offer your customers a discount in exchange for early payment.

Zero Fees

You only pay for the discount you offer for early payment.

Fast Payment

Get paid in as little as 24 hours after offering a discount.


Get your customers to pay you early

Use C2FO to offer your customers a discount in exchange for early payment.

Zero Fees

You only pay for the discount you offer for early payment.

Fast Payment

Get paid in as little as 24 hours after offering a discount.

Testimonial Hero
company logo
You typically have cash within the business at any time and therefore it’s really efficient for us to be able to use that cash by helping our suppliers by paying them early, which in turn helps their own funding cost and it’s typically cheaper than they can fund themselves through other means

— Graeme Barnes,  Director of Capital Markets, Travis Perkins

Testimonial Carousel

company logo
You typically have cash within the business at any time and therefore it’s really efficient for us to be able to use that cash by helping our suppliers by paying them early, which in turn helps their own funding cost and it’s typically cheaper than they can fund themselves through other means

— Graeme Barnes,  Director of Capital Markets, Travis Perkins

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c2fo enterprise benefits

Technology, Service, Experience

Here are some of the key benefits C2FO offers you, your suppliers and your customers:

Global Funding Network

  • In-house capital markets team with over 85 years’ financial experience
  • Diversified bank funding sources
  • Compatibility with existing banking relationships
  • Non-bank funding encompassing asset management and insurance institutions

Dynamic Pricing

  • Patented Name Your Rate™ technology
  • Specific programs to help support supplier groups like SMBs, minority-, women-, veteran- owned businesses and more
  • Sustainability groups and Environmental, Social, and Governance (ESG) initiatives

Significant Supplier Participation

  • No UCC lien checks or filings
  • Can onboard large numbers of suppliers, regardless of size or location
  • Zero minimums or maximums to participate
  • One login, one platform for all customers
  • High-touch supplier management resources in local language and time zone
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We're Here to Help

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At C2FO, we’re doing our part to put management of working capital where it belongs — in your hands.

Our convenient, easy-to-use online platform enables you to work with your suppliers and customers to determine the best time and terms for paying or being paid. Unlike other forms of financing, C2FO’s flexible working capital solutions provide on-demand access to low-cost funding for businesses of all sizes.

It’s the simplest way to do a hard thing — managing working capital so that everyone benefits. We’ll work together with you to bring fairness, transparency and, above all, opportunity to all of your business relationships

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How can we help your business?

Fill out this form and a representative will be in touch with you.

At C2FO, we’re doing our part to put management of working capital where it belongs — in your hands.

Our convenient, easy-to-use online platform enables you to work with your suppliers and customers to determine the best time and terms for paying or being paid. Unlike other forms of financing, C2FO’s flexible working capital solutions provide on-demand access to low-cost funding for businesses of all sizes.

It’s the simplest way to do a hard thing — managing working capital so that everyone benefits. We’ll work together with you to bring fairness, transparency and, above all, opportunity to all of your business relationships

Bus, cuptaerit et ipsa sent et iduciur assus sequi aut everrovit, am fugiaspic tessequ idigendae nos aut prorem voluptas nes nimendis dolorepeles molore laborere dus as simet rest maximpero quatemquis doluptatur, corrovitates ressequae volupta alique nihit eatioribus, quibusa non num que lanis atius, comnistrum idiae corestrum ium aut fugita peri que pere, illes rem quo blabor autestia volesto reheniscid qui ari aut accus, sequatus.

Ur, sam sitias autempos maionsernam, serrum reprept aecesequisti vel ium dolorest audanto cor aped quam evel ius et maiosant, omni bearion reperfe rferumquid quam, in nonsequia nimi, qui aut eictati que peles porrum reprae volenim eum qui archilis eseque alicias velit quid evelecepe dolupiendae et pelecae restotatur? Ibusti aturehe ndestibus, culland anderate dolorpo rporiti aut officae volupictus.

Bea dis autecto repudam ut quam ipsam es aut provit expe quias ea quatem aspelig endelec uptureped quam repudipsae consequas praturesto qui site inciis es quod ex ese am et pellabo. Pudaept atemquam ressi blabor molorisci quam re officiae lam quas dus simil idebit, ulparior rerumqui odis ut aliquosto quiderum essitem qui ut officidiae quam aut que mos quat et re as aut aliqui conseque maximpe lentis

How can we help your business?

Fill out this form and a representative will be in touch with you.

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How it Works

No banks, factors, debts or commitments—simply login and request early payment.

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Delivering Capital on a World Wide Scale

One Platform

Seamless collaboration with your customers, suppliers, and funding partners

Global Marketplace

Network of over one million businesses achieving capital goals together

Funding Network

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

World-Class Service

Leading technology combined with out outstanding customer collaboration produces optimal results

Trusted Enterprises

Trusted by more than 400,000 vendors to the world's largest enterprises

Small Trusted Enterprises

Trusted by hundreds of companies in the global 2000

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Trusted by more than 400,000 vendors to the world's largest enterprises

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Working capital, working for you.

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2 CLICKS TO CASH FLOW

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10X SUPPLIER PARTICIPATION

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ACTIVATION IN AS LITTLE AS 4 WEEKS

Working capital, working for you.

  • Single log-in to one platform
  • Supplier registration within minutes to get started on accelerating invoices
  • Visibility across your company’s entire supply chain
  • Easy-to-use Invoice Central requires only two clicks to cash flow
  • Worldwide supplier care team provides outstanding service in multiple languages and time zones
  • Activation of your program takes as little as four weeks
  • An average of 6,000 supplier participants per client, compared to just hundreds in most SCF programs
  • Simple, secure, nightly CSV file exchange
Case Study Articles

Flexibility, Speed and Control

Six case studies with C2FO solutions

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Unleashing Liquidity for Suppliers — Fast

A major manufacturing company with over $140 billion in revenue and thousands of eligible suppliers needs funding to quickly reboot production after a temporary shutdown. The company has no supply ...

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Adding to Current Financing Solutions

A U.S. retailer with more than $130 billion in revenue and over 7,000 eligible suppliers wants to leverage its existing early payment program, with additional solutions from C2FO. A subset of the retailer’s suppliers ...

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Replacing a Legacy SCF Program

After breaking away from its parent company, a healthcare enterprise with $20 billion in revenue inherits an SCF program that doesn’t allow funding for multinational businesses in its supply chain …

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Flexibility and Control with Dynamic Customer Finance

An 8 billion euro chemical and plastics company in Europe wants to leverage its solid cash position by offering customers the option of paying later in return for a premium. The company, which already …

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Mitigating Risk with Dynamic Customer Finance

A $22 billion IT and consulting company based in India wants to eliminate risk on $10 million in receivables. This investment grade, multinational company uses early payment …

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Innovating a Solution for Suppliers

A $22 billion technology company based in Europe wants to launch an innovative finance program to engage its more than 40,000 suppliers worldwide. The company’s existing SCF program has …

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Find Your Customers

C2FO powers programs for the world’s largest companies. Type in a customer name to see if they offer an early payment program.
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Privacy Policy

Last Updated Date: 03/27/19

Information we collect stays with C2FO. Any company or User information collected by C2FO will only be used to improve your C2FO experience. This Privacy Policy describes how C2FO collects, uses, shares and secures the personal information you provide.

Pollen Inc. and its subsidiary companies C2FO (HK) Limited and C2FO Limited,  participate in and have certified its compliance with the EU-U.S. Privacy Shield Framework. We are committed to subjecting all personal data received from European Union (EU) member countries, in reliance on the Privacy Shield Framework, to the Framework’s applicable Principles.

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