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#856 by ARRMissouri, USc2fo.com ↗

C2FO

C2FO runs an on-demand working capital platform where suppliers choose the discount rate for early invoice payment, serving large enterprise buyers and their suppliers.

ARR
$186M revenue (est.)
as of Oct 2026
Employees
581
as of Oct 2026
Valuation
$1B
5.4× ARR
ARR / employee
$320K
revenue efficiency
About C2FO

C2FO's marketplace uses patented "Name Your Rate" technology. Suppliers set the discount at which they will accept early payment on invoices, and buyers or funders pay early through dynamic discounting and supply chain finance programs. Customers include Fortune 1000 buyers and their suppliers, and C2FO earns revenue from platform and funding fees. Founded in 2008 as Pollenware by Sandy Kemper, it announced in March 2026 that it had funded over $500B cumulatively. It raised about $30M led by IFC in 2025 and was valued at about $1B in 2022. Third-party estimates put 2025 revenue near $186M. In July 2026 Mynd Fintech acquired C2FO's India business.

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