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

Want to Lean More?

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

Office Ours

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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Frequently asked Questions

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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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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.
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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?

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A Global Vision for Working Capital

Like many god 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.

Timeline 3 Spot

Breakthrough invovations beyond supply chain finance

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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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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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case study

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September 8, 2020
Lily Lieberman

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Take control of your invoices.

Activate your FREE account for early invoice payment!

Small Trusted Enterprises

Trusted by hundreds of companies in the global 2000

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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.

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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 BarnesDirector 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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Contact us today to set up your receivables credit line

* Required Field

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We're Here to Help

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* Required Field

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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

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Working capital, working for you.

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2 CLICKS TO CASH FLOW

Group Leader

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

article image

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 …

article image

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 …

Customer List Search

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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