C2FO

We are C2FO, and we provide working capital solutions that help businesses access fast, flexible, low-cost capital. Our platform is designed to improve cash flow by enabling companies to unlock funds tied up in invoices and receivables. We were founded in January 2008 as Pollenware by Sandy Kemper, former CEO of UMB Financial Corporation, and later adopted the name C2FO, which reflects our focus on collaborative cash flow optimization. Our headquarters are in Kansas City, Missouri, and we operate globally across multiple locations. We serve businesses around the world that want more efficient access to capital to support growth and day-to-day operations. Our mission is to deliver a future in which every company in the world has the capital it needs to thrive. We work to make early invoice payment and working capital access easier for businesses of all sizes. We are known as a financial technology company focused on the working capital finance market. Our platform connects businesses seeking liquidity with opportunities to accelerate payment and optimize cash flow. As a company, we position ourselves at the intersection of finance and technology, helping organizations improve financial flexibility while maintaining stronger supplier and customer relationships. Our services are built to support efficient capital access in a practical, scalable way.