The Power to
Get Paid Faster

Take control of your cash flow

It’s time to get paid sooner so you can get more done. With fast, flexible access to low-cost capital, C2FO helps you turn invoices into opportunities — today.

Two clicks gets you paid early, in as little as 24 hours
Select your invoices, discount rates, and payment dates
No contracts, no fees — just the capital you need now

On-Demand Capital
for Every Business

C2FO is the only working capital solution that allows suppliers to get invoices paid early, when they want, at a discount they select using our patented Name Your Rate® technology. No loans, factors, paperwork or hassle. Just one click to set your rate, and if accepted, a payment that was to be made in 30, 60 or 90 days is made immediately. Why borrow working capital when you can accelerate it instead?

With fast, flexible access to low-cost capital, every business can gain total control over their cash flow and unlock the potential in their balance sheet like never before.

Trusted by Leading Fortune 100 Companies

Costco Wholesale
Costco Wholesale

How Suppliers Win With C2FO

“It’s a very, very simple platform. It’s easy to use, and the real benefit that our credit control team gets is pure transparency. We can draw down on approved invoices within days and with no ongoing contractual requirement.”

Jim Kerr
Managing Director, ADXBA

“We use it every week to get paid our invoices early at a fairly reasonable cost. If we don’t require it, we can turn it off, and then when we know there’s something major that we want to do, we can turn it on and then use the funds towards that.”

Samuel Mawa
Head of Finance, Heck Food


Average Days Paid Early
Countries Served
Invoices Accelerated Monthly
Supplier Funding To Date
“Working capital without risk or restrictions fuels innovation, business prosperity and the economy at large.”
Sandy Kemper
C2FO Founder and CEO

C2FO Serves Businesses Like Yours

Unlocking cash flow

Businesses that want to unlock cash trapped by payment terms, enabling access to capital without the hassle of traditional loans or factors.
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Achieving metrics

Businesses focused on improving key financial metrics including EBITDA and free cash flow.
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Reducing barriers

Business owners who need working capital to grow and have been held back by the barriers inherent in risk-based underwriting.
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Strengthening supply chains

Global enterprises focused on supporting their suppliers and providing additional financial support and opportunities to those that are diverse-owned and sustainable.
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Empowering Global Business

Easy access without the hassle

Without loans or paperwork, it’s easier than ever to access more capital to invest in your business.

Complete suite of working capital products

Strengthen your business with options that deliver the right funding at the right time, for the right price.

Flexible, on-demand capital platform

See approved invoices from multiple customers in one place, select invoices to be paid early, and name your discount rate.

Patented technology with a human touch

You can always rely on our team of trusted advisors to find the cash flow solutions that work for your business.

An innovative win-win model

Our unique approach to dynamic discounting and supplier finance keeps cash flowing for suppliers and improves key financial metrics for buyers with more flexibility and speed.

How can we help your business grow?

Building a Better Financial System

We are building a truly inclusive global economy where every business has equitable access to low-cost capital.

We believe that when all global businesses have access to the capital they need to grow, we all win.

We offer an alternative to traditional financing options where suppliers can get paid early, and buyers are rewarded with returns on their cash. This innovative, win-win approach gets capital into the hands of businesses faster and at a lower cost.

As the world’s first on-demand working capital platform, we’re leveling the playing field for all businesses to achieve their goals.

Find Working Capital Solutions That
Work for Your Business

Start getting paid early, and discover options for getting more working capital into your business, so you can invest in your growth goals.