C2FO
C2FO: C2FO connects early payments, supplier finance, discounting and working-capital analytics. Ranked #2 of 27 in Working Capital Management Software by our editors (8.2/10); pricing: Pricing on request; best for buyers optimizing supplier and buyer working capital.
At a glance
- Editor score8.2 / 10
- PricingPricing on request
- Best forBuyers optimizing supplier and buyer working capital
- AR optimizationYes
- Founded2008 · Kansas City, USA
- Facts checked29 Sep 2026
Where it wins
- Covers early payment, dynamic discounting and supplier finance
- FinanceIQ provides receivables and working-capital analytics
- Supports API, SFTP, QuickConnect and ERP integration options
Where it doesn't
- Buyer programs require a contact-sales process
- Enterprise-oriented buyer solutions may exceed smaller teams' needs
- Program value depends on supplier and funding participation
Our verdict on C2FO
C2FO is a working-capital platform for businesses and their suppliers. Suppliers can request early payment on approved invoices, select which invoices to accelerate, set an acceptable discount rate and choose a payment date. Buyers can offer dynamic discounting or dynamic supplier finance, using buyer funds, bank partners, third-party funders or combinations of these. The product is positioned for enterprises on the buyer side, while suppliers across business sizes can use early-payment options when their customers offer them.
Its ecosystem supports web, iOS and Android access, plus APIs, SFTP, QuickConnect and ERP baseline code. ERP systems can connect through API or SFTP, giving finance teams several integration paths. C2FO also combines transaction programs with FinanceIQ accounts-receivable analytics and working-capital recommendations based on payables, receivables and supplier data. That combination suits organizations that want payment programs and analysis in one environment rather than a narrowly focused invoice-acceleration tool.
C2FO's breadth is its main differentiator, spanning accounts-receivable optimization, accounts-payable optimization, supply-chain finance and dynamic discounting. Implementation, advisory and analytics services are available for organizations assessing payment terms, receivables, payables and supply-chain performance. Support is offered through chat, email and phone, and the listed compliance posture includes SOC 2 and GDPR. Buyers should choose C2FO when they need coordinated supplier and buyer working-capital programs with ERP connectivity and analytical guidance. Teams seeking a simple standalone scheduling or payment utility may prefer a more narrowly scoped product, while program outcomes depend on supplier participation and the selected funding model.
C2FO pricing
C2FO fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| AR optimization | Yes |
| AP optimization | Yes |
| Supply-chain finance | Yes |
| Dynamic discounting | Yes |
| Inventory optimization | Not verified |
| ERP connectors | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | SOC 2, GDPR |
| Support | Live chat, Email, Phone |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 1 integrations: ERP systems via API or SFTP |
| Pricing | Pricing on request |
| Website | c2fo.com |
| Facts checked | 29 Sep 2026 |
C2FO integrations
C2FO lists 1 integrations on its own site.
- ERP systems via API or SFTP
Alternatives to C2FO
- FIS GETPAIDAn enterprise-focused AR platform spanning credit reviews, collections, disputes and cash application.9.0
- J.P. Morgan Working Capital AcceleratorAn enterprise cloud platform combining supply-chain finance, receivables financing and discounting.7.7
- Esker Accounts ReceivableA broad AR suite for teams managing credit, collections, payments and cash application.7.4
C2FO vs the competition
- C2FO vs FIS GETPAID
- C2FO vs J.P. Morgan Working Capital Accelerator
- C2FO vs Esker Accounts Receivable
- C2FO vs Sidetrade
- C2FO vs Serrala Accounts Receivable
- C2FO vs Sage AR Automation
Compare C2FO with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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