“Can a buyer-anchored supplier-finance marketplace become the global network of record for working capital — expanding from Fortune 100 supply chains into an open receivables-finance network for every SMB?”
Founded 2008 as Pollenware by former UMB Financial CEO Sandy Kemper, the company rebranded to C2FO (Collaborative Cash Flow Optimization) and built the first on-demand working-capital marketplace, letting suppliers 'Name Their Rate' to get Fortune 100 buyer invoices paid early. It has since layered additional capital products on top of the marketplace: Dynamic Supplier Finance for buyers to fund via their own balance sheet or third-party funders, Lending Connections as a referral platform to third-party lenders, and the CashFlow+ Visa card. The Extended Network Finance product (2025+) marks a strategic shift from buyer-anchored supply chain finance toward broader open-network receivables finance.
C2FO's cards run on Visa.
The Embedded Finance Index 2026 maps 2 layers in C2FO's stack: Card network (Visa); Lending (C2FO Early Pay (buyer-funded accelerated invoice payments at supplier-selected discount rate), C2FO Dynamic Supplier Finance (buyer/bank/C2FO-funder-network supply chain finance), C2FO Dynamic Discounting, C2FO Extended Network Finance (open-network early payment, in rollout) and 1 other).
C2FO was founded by Sandy Kemper and is founded in 2008, headquartered in Kansas City, Missouri, USA.
C2FO's acquisitions include Priority Vendor (2019).
Get a read on where your own stack stands against C2FO and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.