C2FO Working Capital Platform

C2FO is a working capital platform operated by Pollen, Inc., with its mailing address in Kansas City, Missouri, and founded by Alexander Kemper with a mission dating to 2008. It helps large buyers and their suppliers unlock cash tied up in approved invoices, giving small and mid-sized suppliers faster, cheaper access to liquidity without traditional loans.

Suppliers use C2FO Early Pay to choose invoices, discount rates and payment dates, while buyers run dynamic discounting and dynamic supply chain finance programs funded from their own cash or third-party capital. Additional tools include FinanceIQ receivables analytics, Lending Connections referrals and Working Capital Navigator for buyers. The network covers 1.75 million+ businesses in 160+ countries, with buyers such as The Home Depot, Costco, Philips, Mondelez and HPE, and a supply chain finance collaboration with IFC.

• Early Pay: Suppliers select invoices, discount rates and payment dates.
• Dynamic discounting: Buyers invest surplus cash in supplier early payments.
• Dynamic supply chain finance: Combines buyer cash and third-party funding in one program.
• FinanceIQ: Provides accounts receivable analytics for suppliers.
• Lending Connections: Refers suppliers to third-party lenders for other credit needs.
• Turnkey implementation: Advisory and onboarding support for payment terms programs.

A Vietnamese retail chain can offer early payment to hundreds of food and consumer goods suppliers using surplus cash. A manufacturer can combine its own funds with a bank partner to finance tier-one component suppliers. A bank can co-design a supplier finance program for a large anchor buyer.

Suppliers get paid early on approved invoices at a discount they choose, improving cash flow without adding debt. Buyers earn a return on surplus cash or extend payment terms while keeping suppliers financially healthy. C2FO says early payment is offered on roughly 50 million approved invoices per day and reports an NPS of 74 in Q2 2026.

High interest rates and long payment terms are squeezing small suppliers, pushing large corporates and development lenders toward supply chain finance that lends against buyer-approved invoices instead of supplier balance sheets. In Asia, manufacturing and retail supply chains with many SME suppliers are a natural fit for invoice-based early payment programs.

Operated by Pollen, Inc., 8880 Ward Parkway, Kansas City, Missouri; C2FO Limited is controller for EEA and UK users. First transaction in 2010; global funding surpassed half a trillion USD in March 2026. Holds US patents 10,817,932 and 11,100,477, won an IFC award in 2026 and was named to CNBC's World's Top Fintech Companies list for a second year in 2026. Support lines in India, Singapore, Indonesia, Thailand and Vietnam.