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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the platform for its user-friendliness and the simplicity of the processes involved. Many reviewers highlight the positive impact on their cash flow, especially praising the early payment options. The possibility of accessing capital without incurring debt is also greatly valued, allowing businesses to scale faster and operate smoothly. Consumers consistently mention the efficiency and speed of the service. The support team and relationship managers are frequently commended for their knowledge, helpfulness, and professional guidance. Reviewers find the platform easy to understand and use, with some specifically noting its flexibility and seamless program execution. Overall, people express high satisfaction with the service and its positive effect on their business operations.

Based on these reviews

Rated 5 out of 5 stars
Verified

The program execution was seamless. We express our gratitude for its assistance to small businesses in their endeavors. While our initial deposits are scheduled for three days from now, we are optimis... See more

Rated 5 out of 5 stars
Verified

Ease of use, no commitment to a fixed or structured program. I can pick and choose when I want to implement. Great for cash flow assists my company to take advantage of cash discounts with my supplier... See more

Rated 5 out of 5 stars
Verified

I am very happy work with C2FO so that first of all fastest replies any time about negotiate discounts for early payment,most important thing is this kind of early payment options provide us,thanks

Rated 5 out of 5 stars
Verified

Kyra is awesome! Had the thought that if my company needed a really competent and personable Customer Service person, I would try to steal Kyra away from y’all.

Rated 4 out of 5 stars
Verified

Your service in general is good, but when we were having opportunities of communication between you, Walmart and us the response of our actual executive was not working good enough to the goal was... See more

Rated 5 out of 5 stars
Verified

It was such an easy process - unlike trying to navigate the highly complex SAP Ariba mechanisms many companies use to make payments. I couldn't be happier with C2FO.

Company replied

Rated 5 out of 5 stars
Verified

The process is very easy and user friendly. If there is anything you need help with, the customer support team is helpful and knowledgeable too.

Rated 5 out of 5 stars

I have used this service twice and will continue as the cost is well worth it's value. Kenton has been a great advisor and gets it done quickly

Company replied

Rated 5 out of 5 stars
Verified

Extremely pleased. As a small business owner its a tremendous help to receive payments as quickly as possible

Rated 5 out of 5 stars

The experience using C2FO is great. The relationship manager was very professional and his guidance were very useful and i gained clear knowledge on using this.

Company replied

Rated 4 out of 5 stars
Verified

The early release of the bill encourages a Vendor for the early delivery of the products ordered by the company. Its user firnedly

Rated 5 out of 5 stars
Verified

This is a great platform where businesses unit can benefit from early payment program. Highly recommended

Rated 5 out of 5 stars
Verified

Never had a bad experience and I think they see his reasonable and it comes in just in time love it

Rated 5 out of 5 stars
Verified

it is easy to use. I would like to give one suggestion. We should get the Supplier's invoice number in the portal when we get the request for Early Pay in portal.

Rated 5 out of 5 stars
Verified

Please keep your commitment on time and guide us for any problem regarding early payment issue.

Rated 5 out of 5 stars
Verified

It is easy to use and flexible. It provides an opportunity to receive money before due date.

Rated 5 out of 5 stars
Verified

Our experience is great, thank you so much for the wonderful service that is so timely and helpful. Thank you very much.

Rated 5 out of 5 stars
Verified

As a small business C2FO has been there time in time again to make sure the little guy can push through. This company has my loyalty for the future & beyond. Thank you C2FO .

Rated 5 out of 5 stars
Verified

This service is great for our cashflow! I really appreciate having this option when needed.

Rated 5 out of 5 stars
Verified

Loving the C2FO program of early payments. Easy to select payments and discount amounts.

Rated 5 out of 5 stars
Verified

Henry was great. Very knowledgeable and able to answer all my questions. Great concept, great rates. All around great experience. Well done.

Rated 5 out of 5 stars
Verified

IF I CAN GET PROMPT EARLY PAY IT'S GOOD, BUT THE AMOUNTS DON'T SHOW WHAT INVOICE IS BEING PAID

Rated 5 out of 5 stars
Verified

Simple process great support team....user friendly..... Fantastic platform

Rated 5 out of 5 stars
Verified

THE THINK IS THAT WE CAN GET BACK A OUR MONEY TO KEEP ON WORKING AND GROW A LITTLE BIT EVERY DAY

Company replied

Rated 5 out of 5 stars
Verified

Excellent, easy, fast and I had great help from the relantionship manager.

Rated 5 out of 5 stars
Verified

I count on this as I can't wait 45 days to be paid even though it cost me money to use!

Rated 5 out of 5 stars
Verified

The process was, efficient, friendly, and quick. Thank you, C2FO.

Rated 5 out of 5 stars
Verified

C2FO offer the posibility that our costumer were not possible.

Rated 5 out of 5 stars
Verified

Speed. Gave me options to set the discount rate and the delay that could develop. The only thing I didn't like was when the survey popped up as soon as I decided the rate.

Rated 5 out of 5 stars

A friend in need is a friend in deed , in this corporate world you understand how it's difficult to manage business this c2fo understand the condition

Rated 5 out of 5 stars
Verified

Practical to use, fast and a great solution for obtaining financial resources.

Rated 5 out of 5 stars

As a brand-new company owner, having access to capital through C2FO feels like being able to sleep soundly every night. Banks are not an option at this stage, and having access to capital without... See more

Company replied

Rated 5 out of 5 stars
Verified

It is a service that helps create liquidity during a crisis, helping businesses to operate without worry.

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Company details

  1. #3 of 45 best companies in Payment Service
  2. #63 of 184 best companies in Financial Consultant
  3. #23 of 109 best companies in Financial Institution
  4. #78 of 252 best companies in Non-Bank Financial Service

Written by the company

We are the world’s on-demand working capital platform, providing fast, flexible and equitable access to low-cost capital to nearly 2 million businesses worldwide. Using patented Name Your Rate®️ technology and a suite of working capital solutions, companies can get paid sooner by the world’s largest enterprises — unlocking billions in risk-free capital. C2FO’s mission is to ensure that every business has the capital needed to thrive and has delivered more than $275 billion in funding around the world. Our platform matches the accounts receivable and accounts payable for hundreds of thousands of companies, enabling suppliers to receive early payment on their invoices and control the costs of their cash flow. Enterprise customers use the invoice discounts to safely increase margins and profits while ensuring the health of their supply chains. Since our first transaction in March 2010, C2FO has generated more than $262 billion in working capital funding and accelerated payment by more than one billion days in 42 different currencies. Headquartered in Kansas City, C2FO today has operation centers in Europe, China, India and Australia. As the company has expanded across the globe, we have also evolved to provide more working capital solutions for businesses. C2FO is working to build a better, more inclusive financial system every day.


Contact info

4.8

Excellent

TrustScore 5 out of 5

917 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 66% of negative reviews

Typically takes over 1 month to reply


Rated 1 out of 5 stars

Lacked transparency

Lacked transparency, date of payment was missed by days. Support has yet to answer my emails. I offered a discount to get paid early losing money so I could improve my cashflow. Now I have bills to pay that I moved up and

October 25, 2025
Unprompted review
C2FO logo

Reply from C2FO

We sincerely apologize for the negative experience you've encountered. Our team has reached out to provide further explanation and propose appropriate solutions.

Rated 5 out of 5 stars

Great Service for Cash Flow

I have used this service twice and will continue as the cost is well worth it's value. Kenton has been a great advisor and gets it done quickly

October 8, 2025
Unprompted review
C2FO logo

Reply from C2FO

Thank you for sharing your experience. We are glad that you find C2FO valuable. We will also pass along your praise to Kenton - thanks for calling out his great service.

Rated 5 out of 5 stars

C2FO experience

The experience using C2FO is great. The relationship manager was very professional and his guidance were very useful and i gained clear knowledge on using this.

September 10, 2025
Unprompted review
C2FO logo

Reply from C2FO

Thank you. We are happy that your RM was helpful

Rated 4 out of 5 stars
Verified

responsive

good job done

August 19, 2025
C2FO logo

Reply from C2FO

Thank you. We are happy that Early Pay is helping your company.

Rated 5 out of 5 stars
Verified

Reliable

A reliable source of fund for the business

August 19, 2025
C2FO logo

Reply from C2FO

Thank you. Happy that your business is getting the capital it needs to thrive.

Rated 5 out of 5 stars
Verified

GROWING AS BIG

THE THINK IS THAT WE CAN GET BACK A OUR MONEY TO KEEP ON WORKING AND GROW A LITTLE BIT EVERY DAY

August 18, 2025
C2FO logo

Reply from C2FO

We love helping businesses get the capital that they need to thrive. Happy that C2FO can help your business grow.

Rated 3 out of 5 stars
Verified

A fast a and accurate solution

Just Miserable

August 18, 2025
C2FO logo

Reply from C2FO

We are glad to hear you recognize C2FO as fast and accurate, but are sorry to hear that you have had troubles. Our Supplier Support team will be reaching out shortly to help you work through any concerns. Thank you for using C2FO.

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