In a high-cost environment, businesses across the globe are prioritizing “on-demand” liquidity over new debt, said Sandy Kemper, announcing Wednesday that Kansas City-based C2FO has now provided more than a half-trillion dollars in working capital to entrepreneurs worldwide.
“Hitting half a trillion of funding with zero credit loss is something fairly unique in the financial world and speaks to the value of our platform,” said Kemper, founder and CEO of C2FO. “The best-run companies in the world are moving beyond the constraints of traditional debt because they value the speed and agility that C2FO provides to fuel their growth.”
C2FO’s platform has served more than a million businesses across 180-plus countries and territories, the company reported, noting its key relief comes through:
- Funding business operations using money owners have already earned;
- Allowing suppliers to choose the discount rate that works for their specific margin needs; and
- Fast-tracking funding within 24 to 48 hours, rather than weeks or months.
Suppliers are bypassing the standard 60 to 90 day payment wait to reinvest in their business immediately, the company said — instead prioritizing on-demand liquidity and choosing to fund their own growth by clearing invoices faster through the C2FO platform without taking on new debt.
“We’re seeing a very practical shift,” Kemper said. “Companies are digging deeper into their operations to find cash. They’re realizing that their receivables are an excellent source of capital. We’ve built the plumbing to make that happen at a global scale and without credit risk.”
Wednesday’s announcement comes exactly 16 years after the company had its very first successful market clear on March 17, 2010. With interest rates and inflation remaining a focal point for CFOs in 2026, the “cost of waiting” for a payment has rarely been higher, the company said.
Building toward the half-trillion milestone, C2FO’s strategic partnership with the International Finance Corporation (IFC), a member of the World Bank Group, has been lauded as an exemplary model for supporting small and medium-sized enterprises (SMEs) in developing economies.
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“Access to working capital should never be the barrier that holds back innovation or growth,” said Kemper. “We remain committed to ensuring that every business — no matter how big or small — has the liquidity it needs to thrive.”
