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C2FO invoice financing review

Let your accounts receivable act like a line of credit — but don't expect to see terms before signing up.

  • Best for business owners that want to use an early payment system.
  • Pick something else if you're looking to compare terms up front.


Max. Amount$50,000,000
Loan TermRevolving
RequirementsHave open accounts receivable

First, do I qualify?

Requirements aren't specified on the C2FO website. The only two obvious qualifications are that you must use C2FO's early payment system, and that you must have accounts receivable.

What makes C2FO unique?

C2FO allows vendors to request early payment by providing customers with a discount. This can increase cash flow without having to rely on borrowing from lenders. Its claims there are zero fees, and payments can go through in just 24 hours. You maintain control over which invoices are offered at a discount and when.

The financing side of it integrates with the early payment program. And while the financing does come with fees, you get to maintain your relationships with your customers unlike invoice factoring services.

Pros and cons

Before you sign up with C2FO, consider whether the benefits outweigh the drawbacks for your business.


  • Financing available up to $50 million
  • The required early payment program is free to use
  • Online chat is available for support


  • Must sign up for the early payment system
  • Fee and APR schedules unavailable online
  • Must submit business information to get advance percentage availability

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How do I apply?

To apply, you'll need to first get a quote. Follow these steps to request one online:

  1. Go to the C2FO website.
  2. Click Capital finance.
  3. Select Get preliminary quote.
  4. Enter your business's name, your name and your contact info. Click Continue.
  5. Fill out your annual revenue, invoice terms, information about your accounts receivable and payable, net profit for the past year and your year-over-year revenue trend. Select View estimate.

Review your estimate then contact a C2FO advisor by phone at 844-805-8522 or select a date and time for an advisor to contact you.

What documents do I need to apply?

In order to apply, C2FO needs to evaluate your business. To do so you have to provide financial statements, summaries of accounts payable and receivable. Other information may be required, depending on your business's finances.

How do repayments work?

C2FO doesn't disclose how repayments are made. A percentage of your invoice is advanced, so it's likely that C2FO deducts that percentage plus fees when your customer pays you,.

Not certain the C2FO management software is for you? Compare more lenders with our guide to business loans

Review by

Rhys Subitch is the loans editor at Finder, guiding Americans toward smart borrowing decisions. With over half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info in the lending sphere. They make frequent appearances on Finder's YouTube channel to talk through loan topics that range from the very basics to the latest government assistance programs. Before specializing in lending, Rhys was a personal finance writer for Finder’s credit cards, insurance, banking and mortgage verticals. They hold a BA in sociology and a certificate in editing from the University of Washington, Seattle.

Expert review

The Capital Finance part of C2FO works in tandem with its Early Payment program. That means to get accounts receivable financing with C2FO, you also have to use its platform for requesting early payments from your customers at a discount. While the customer list is currently limited to 145 businesses, you can borrow against open invoices from customers outside C2FO’s partner list.

C2FO doesn’t charge a fee to use its Early Payment program, but the revolving credit that’s offered through invoice financing does cost to use. However, those costs aren’t exactly transparent. While you can get an estimate based on your business, there’s no range to compare before submitting your contact details.

Not looking for a full software platform to integrate? Compare other business financing options before signing up.

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