# C2FO

> C2FO runs a business-to-business working capital platform where suppliers request early payment on approved invoices and propose the discount they will accept. Enterprise buyers can use their own cash, bank funding or a combination. Founded by Sandy Kemper in 2008, C2FO reported more than $500 billion in cumulative supplier funding in March 2026.

- **Founded:** 2008
- **Headquarters:** Kansas City, United States
- **Founders:** Alexander “Sandy” Kemper (Founder, Chairman and CEO)
- **Products:** C2FO Early Pay, Dynamic Supplier Finance, FinanceIQ, Lending Connections, Working Capital Optimization
- **Notable:** Reported more than US$500 billion in cumulative supplier working capital funding in March 2026., Reported US$78 billion in awarded supplier funding in 2022, up 42% year over year., Named to CNBC’s World’s Top Fintech Companies list for a second consecutive year in July 2026, according to its announcement.

## Products & services

- **C2FO Early Pay** — Supplier access to early payment on approved invoices, including Name Your Rate discount offers. First platform transaction occurred in 2010.
- **Dynamic Supplier Finance** — Buyer early-payment programs using balance-sheet cash, banking partners, the C2FO funder network or a hybrid.
- **FinanceIQ** — Cross-buyer receivables dashboards covering approvals, deductions, payments and trends; currently free according to the FAQ.
- **Lending Connections** — Connects businesses with third-party lenders for financing needs beyond early payment.
- **Working Capital Optimization** — Analytics, Working Capital Navigator, advisory support and payment-terms implementation for enterprise buyers.
- **Extended Network Finance** — Funding-partner early payment for invoices with additional eligible customers; the homepage lists a waitlist as of the research date.
- **C2treds** — Indian Trade Receivables Discounting System platform; a March 2025 IFC case study dates its TReDS entry to 2024.

## Achievements

- Reported more than US$500 billion in cumulative supplier working capital funding in March 2026.
- Reported US$78 billion in awarded supplier funding in 2022, up 42% year over year.
- Named to CNBC’s World’s Top Fintech Companies list for a second consecutive year in July 2026, according to its announcement.
- SME Financier of the Year recognition at the 2024 Global SME Finance Awards, documented in an IFC case study.

## Latest updates

- **2026-08** — Announced inclusion in Finance Chief’s Top 10 Accounts Receivable Solutions list on August 25.
- **2026-07** — Announced a second consecutive appearance on CNBC’s World’s Top Fintech Companies list on July 29.
- **2026-07** — Published a Home Depot US and Canadian merchandise-supplier program expansion announcement on July 2; its body carries a March 2026 dateline.
- **2026-04** — CycleFlow powered by C2FO launched in Nigeria with IFC on April 2.
- **2026-03** — Announced more than US$500 billion in cumulative supplier funding; page dated March 17, release dateline March 18.

## Links

- Website: https://c2fo.com/
- LinkedIn: https://www.linkedin.com/company/c2fo/
- Twitter/X: https://twitter.com/c2fo
- GitHub: https://github.com/C2FO
- YouTube: https://www.youtube.com/channel/UCNByMBL5T7V2oycg-7YCgAA
- Facebook: https://www.facebook.com/C2FOMarketplace

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Profile page: https://yespress.io/c2fo
Published by YesPress — https://yespress.io
Last updated: 2026-10-16