Company Overview
About C2FO
C2FO is a Kansas City-based fintech company that operates the world's largest on-demand working capital marketplace, connecting enterprise buyers with their supplier networks to enable early invoice payment at market-driven discount rates. Founded in 2008 by Sandy Kemper, the platform uses patented auction technology that allows suppliers to select which receivables they want to accelerate and at what cost, creating a transparent and flexible alternative to traditional supply-chain financing and factoring. As of 2024, C2FO has facilitated the early payment of more than 42 million invoices annually, funding an average of $18 billion per quarter to businesses worldwide.
Business Model & Competitive Advantage
The company surpassed $400 billion in cumulative lifetime funding to customers in December 2024 and hit a milestone of $1 billion of single-day funding for the first time. C2FO serves more than 200 global enterprise clients including six of the Fortune 10, and connects millions of supplier businesses to those enterprise buyers. In April 2025 the company closed a $30 million investment from the International Finance Corporation (IFC), a World Bank Group member, to accelerate technical development and expand the platform into emerging markets — including a Nationwide Working Capital Platform across Africa starting in Nigeria, which has the potential to unlock tens of billions of dollars in annual financing for SMEs in developing economies.
Competitive Landscape 2025–2026
C2FO's model benefits both sides of the transaction: buyers improve supplier financial health and supply-chain resilience while earning a return on idle cash, and suppliers gain instant access to liquidity without taking on debt. The platform charges no ongoing SaaS fees to buyers, monetizing instead on the spread between offered discount rates, which aligns incentives and drives high participation from supplier networks. The company is headquartered in Leawood, Kansas, with offices globally, and has raised approximately $430 million in total funding from investors including Mithril Capital, Union Square Ventures, and Tiger Global.
Key Differentiators
Market Leader
C2FO is recognized as a market leader in the Financial Services sector, demonstrating strong industry presence and customer trust.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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