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Get your Costco invoices paid early with C2FO
Over 4,000 suppliers choose C2FO and the Costco Early Payment Program to get paid faster and put more cash into their business. You select the invoices to accelerate and the discount to offer.
Frequently Asked Questions
What is C2FO? What’s your relationship to my customer?
C2FO is the world’s on-demand platform for working capital. We provide fast, flexible and equitable funding to nearly 2 million businesses worldwide. Your customer has partnered with C2FO to manage its early payment program on our secure platform.
How much does it cost to participate in the program?
This is not factoring. Other than any discounts you offer for early payment, there is no cost for using C2FO. Your customer paid to create the program as a service to suppliers like you.
How do I get started?
To register, fill out the short form on this page and click "Activate Account." You can then view your eligible invoices and, if you choose to, request early payment wherever you need. There’s no contract, and you’re not agreeing to any terms.
View your invoices
Activate your account to get started
View your invoices
How the program works
Activate your account
Sign up for free. Fill out the form to create your account.
Select invoices you want paid early
When you need funding, review available invoices and choose a discount to offer.
Get paid early
Once your offer is accepted by Costco, you will receive payment in as little as 24 hours via the existing payment method.
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Here’s how C2FO helped Delilah Home fund its growth
“You can tap into their services and you can tap out of it whenever you want. I have the ability to say, ‘OK, my cash might be a little bit low this month. I’m going to tap into C2FO and get that cash flowing.’ Or if I say, ‘I want to wait a week,’ I can do that.”
— Michael Twer, CEO and Founder of Delilah Home
How do I receive payment? How long does it take?
Once your offer is accepted by your customer, payment is delivered using your current payment method, usually in as little as 48 hours. C2FO’s platform will estimate when you’ll receive payment. Your customer pays you directly.
Do I have to use C2FO?
There is no commitment to participate. While you're under no obligation to use the early payment program, it can be an ongoing, integral part of your business. You can increase inventory to combat inflation, pay down debt and grow your business without adding debt.
What does “paid early” mean?
On average, companies like yours are paid 30 days earlier than the agreed-upon terms for an invoice. But the exact amount of time can depend on other factors, including when early payment is requested, if your customer agrees to pay early, and more.
Introduction from Rob Berg, AVP, Accounts Payable and Operations Costco
No more waiting 90 to 100 days to be paid.
"If we didn't have early pay with C2FO, we would have been waiting 90 to 100 days to be paid. We couldn’t
have taken on new opportunities, and those new opportunities are what really contributed to our growth.”
— Ben Rendo, President of Mighty Good Solutions
About C2FO
C2FO is the technology provider behind Costco Early Payment Program. The C2FO platform provides a secure portal to request early invoice payments on demand.
$241B
in supplier funding since 2010
24.9M
invoices accelerated in 2022
32.2
average days
paid early