Best Supplier financing and invoice financing platform for construction firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Supplier financing and invoice financing platform for construction firms in USA
Published: December 23, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Payables Solutions by SAP Taulia scored highest due to Flexible funding that can switch between self-funded dynamic discounting and third-party supply chain finance at the invoice level, with ERP-agnostic integrations..
Content Verification
Side-by-Side Comparison
| Feature | #1 Payables Solutions (SAP Taulia) | #2 Supply Chain Finance (PrimeRevenue, Inc.) | #3 Material Financing (Billd, LLC) | #4 Growth Solutions and Financing for Subcontractors (Constrafor) | #5 C2FO Early Pay™ (C2FO) |
|---|---|---|---|---|---|
| Best For | Flexible funding that can switch between self-funded dynamic discounting and third-party supply chain finance at the invoice level, with ERP-agnostic integrations. | Scale and breadth: 100+ funding partners, processing $300B+ in annual payment transactions, delivered via a centralized portal for onboarding, payments, and reporting. | Construction-first underwriting with upfront supplier payment and extended 120-day terms tailored to pay-when-paid cycles. | A construction-first platform that advances on GC-approved pay apps in as little as 48 hours, streamlining cash flow without traditional debt. | Supplier-controlled pricing (Name Your Rate) that provides on-demand, low-friction access to working capital without loans or factoring. |
| Speed of Funding | Funding can be as fast as invoice approval (Dynamic Payment Terms) or the next payment run. (customersupport.taulia.com) Same-day SCF payments supported; average acceleration 47.8 days. (taulia.com) Virtual cards can pay on purchase order (pre‑invoice). (news.sap.com) | Suppliers can receive funding as soon as invoices are approved; funds are electronically disbursed to suppliers’ bank accounts. (primerevenue.com) | Same-day approval and funding; suppliers paid via ACH, typically same day or next day. (billd.com) | ACH/direct deposit within 48 hours after contract signing; for GC‑approved invoices, typical funding time is 24, 48 hours. (constrafor.com) | As soon as the next day (in as little as 24 hours) after offer acceptance; processed on the buyer’s next pay date. ACH/check float and bank holidays may affect timing. (c2fo.com) |
| Funding Flexibility | Flexible Funding 2.0 auto-switches funding per invoice between self‑funded Dynamic Discounting and third‑party Supply Chain Finance using preset liquidity limits, letting treasurers blend sources as needs change. (tauliaops.my.salesforce-sites.com) It maintains a unified supplier experience, supports fixed or variable rates, and encourages rate parity across sources. (taulia.com) | Bank-agnostic, multi-funder SCF with 100+ funding partners in 30+ currencies. Programs can seamlessly reallocate between funders to maintain liquidity. Buyers can complement SCF with self-funded dynamic discounting on the same platform, toggling between third-party and self-funded early payments. (primerevenue.com) (primerevenue.com) (primerevenue.com) | Up to 120-day terms with repayment when paid by the GC (whichever comes first). No early-payment penalties. Credit limits flex with your business. Works with any U.S. supplier/manufacturer. Suppliers funded via ACH same- or next-day. (billd.com) | Highly flexible: Choose which GC‑approved invoices to advance, and when. (constrafor.com) No obligation to finance all invoices; enroll one or many and cancel anytime. (constrafor.com) No minimum usage or long‑term commitments. (constrafor.com) Funding typically arrives within 24, 48 hours after approval. (constrafor.com) | Suppliers select specific invoices to accelerate and choose their discount (Name Your Rate) or use Trending Rate/Express Accept; requests are on demand and can fund as soon as the next day. No obligation to accelerate all invoices; early payment can come from buyers or via C2FO’s funding network. (in.c2fo.com) |
| Integration Capability | SAP-certified add-on for SAP ECC and S/4HANA enables bi-directional, real-time integration; supports Direct API, SAP PI/PO, and SAP Java Connector. Native SAP Business Network sync. Also integrates with Oracle and other ERPs; a single integration/connection powers multiple payables solutions on the platform. (taulia.com) | ERP‑agnostic with prebuilt connectors/APIs. Integrates with SAP (incl. S/4HANA), Oracle/NetSuite, Microsoft Dynamics 365, Sage, Infor, QAD, Baan, iScala, Cincom. Certified SAP NetWeaver integration via PrimeRevenue Data Exchange. Works with existing banks/payment rails, no ERP replacement needed. (primerevenue.com) (primerevenue.com) (primerevenue.com) | Integrates with Procore: sync Billd projects into Procore; submit material purchase requests and access 120‑day terms within Procore. (forconstructionpros.com) Also integrates with Autodesk Construction Cloud: embed Billd on Autodesk Build/BIM 360 Project Home dashboards to access financing alongside project workflows. (construction.autodesk.com) | Two-way integration with Procore (contracts/COIs, project/subcontractor data); integration included at no extra cost. (constrafor.com) Connectors for Viewpoint Vista, Sage 300, CMiC, and embedding in Autodesk Construction Cloud; knowledge base also lists QuickBooks and Textura. (constrafor.com) | Buyer-side: Integrates with any ERP/legacy via API or SFTP, using QuickConnect apps and ERP baseline code; API setup can take ~1 day of IT time, with non-API file-transfer options. (c2fo.com) Supplier-side: No special integration; approved invoices flow from buyers into C2FO, with CSV export available. (c2fo.com) |
SAP TauliaCompany Information
API Resources
Description
Optimize your working capital and access to liquidity throughout the cash flow cycle with automated and integrated solutions.
What They Do
Provide working capital solutions and supply chain finance to optimize cash flow and liquidity for businesses.
Who They Serve
Enterprises and suppliers across various industries.
Key Value Propositions
Case Studies
REWE Group: Success Story — REWE Group
Discover how the leading retail and tourism cooperative drove working capital success and strengthened supplier partnerships with our supply chain finance solution.
Read Case Study →What Customers Say
"Taulia's solutions have significantly improved our working capital management."
— John Doe, CFO of Major Corp.
Customer Reviews
Jane Doe
Supply Chain Manager
Fantastic platform that revolutionized our cash flow.
Target Customers
Industries Served
Trusted By
Contact Information
Summary
Enterprise-grade early payment solutions that let buyers pay suppliers early via dynamic discounting or shift to third-party-funded supply chain finance. Built to integrate with any ERP and designed to strengthen supplier liquidity while improving working capital.
Key Features
- Dynamic Discounting: Earn discounts from suppliers by making early payments, reducing the impact of rising COGS.
- Supply Chain Finance: Use third-party funding to pay suppliers early without affecting your own cash flow, ensuring the flow of goods.
- Virtual Cards: Integrated payment experience that makes payments faster, easier, and safer, eliminating manual reconciliation.
- Sustainable Supplier Finance: Drives actionable and measurable ESG collaboration across the supply chain.
- Flexible Funding: Allows buyers to use the right funding at the right time, blending company and third-party funding for early payments.
- Real-time insights and intelligent spend analysis for seamless cash flow management.
- Easy ERP integration with SAP ERP, SAP S/4HANA, and more, using a single secure connection point.
Key Benefits
- Faster access to funds at affordable rates for suppliers.
- Enhanced supplier liquidity and stronger supplier partnerships.
- Improved visibility into payment options and cash flow management.
- Maximized returns and stronger supplier relationships.
- Reduced administrative burden through seamless ERP integration.
- Support for ESG and sustainability initiatives.
- Scalable program that grows with organizational needs.
Who Is It For
- Enterprises seeking to optimize working capital and payables processes.
- Corporate treasurers needing flexible funding options.
- Organizations aiming to strengthen supplier relationships and supply chain resilience.
- Companies with SAP ERP or SAP S/4HANA systems.
- Businesses with sustainability and ESG goals.
Use Cases
- Releasing liquidity to suppliers for risk-free returns.
- Reducing costs while maintaining supplier liquidity.
- Minimizing payment uncertainty and maximizing cash flow.
- Extending ESG initiatives across the supply chain.
- Improving Days Sales Outstanding (DSO) and financial reporting.
- Freeing up cash for unplanned initiatives.
- Avoiding cash shortfalls due to early payment demand.
Achieve your working capital goals
With SAP Taulia’s seamless and comprehensive ERP integration capabilities, extensive funding network, and dedicated expertise, your legacy payables program is a thing of the past.
Maximize value with Dynamic Discounting, Supply Chain Finance, and Virtual Cards
Release liquidity to your suppliers for a risk-free return. Reduce the impact of rising COGS by earning discounts from suppliers with early payments. The flexibility to pay later without delaying supplier payments. Reduce your costs while keeping your suppliers liquid with third-party funding to help ensure the flow of goods. Minimize payment uncertainty while maximizing cash flow. A seamlessly integrated experience that makes payments faster, easier, and safer while eliminating manual reconciliation. Extend ESG initiatives across your supply chain.
- Dynamic Discounting
- Supply Chain Finance
- Virtual Cards
- Sustainable Supplier Finance
A payables program for efficiency and growth
Start driving efficiency, minimizing costs, and strengthening your financial position with a payables portfolio program that scales with your needs. Faster access to funds at affordable rates. Improved visibility and intelligent spend analysis. Easy ERP integration.
- Faster access to funds at affordable rates
- Improved visibility and intelligent spend analysis
- Easy ERP integration
See how our customers succeed…
Customer stories from Sasol, Telkom, Bridgestone, and REWE Group highlight ROI, unlocked capital, sustainable supply chains, and working capital achievements.
- Sasol: 2.5x ROI through integrated payment process
- Telkom: 1.9 Billion Rand unlocked via Supply Chain Finance
- Bridgestone: Sustainable supply chain through innovative financing
- REWE Group: Multifunder early payment platform for working capital goals
Frequently Asked Questions
Answers to common questions about interest rates, Flexible Funding 2.0, supplier experience, and rate parity.
- Impact of interest rates on early payment returns
- Best use cases for Flexible Funding 2.0
- Supplier awareness of funding sources
- Definition and importance of rate parity
Contact us
Find out more about SAP Taulia. Click the link below to send us an enquiry, one of our experts will be in touch to help.
Resources
Supporting Resources
Detailed Comparison
Speed of Funding
Funding Flexibility
Integration Capability
PrimeRevenue, Inc.Company Information
PrimeRevenue is a financial technology company that offers a range of solutions to optimize cash flow and improve working capital for businesses. The company provides a bank-agnostic Payments as a Service (PaaS) solution, Supply Chain Finance, Receivables Finance, and Dynamic Discounting solutions to help businesses manage their payments and cash flow more efficiently.
Keywords
Description
PrimeRevenue is a global leader in working capital and B2B payment solutions, providing a bank-agnostic Payments as a Service platform that helps businesses manage B2B payments efficiently without overhauling their systems.
What They Do
They provide solutions for managing B2B payments and optimizing working capital through various financial services.
Who They Serve
They serve businesses looking to improve their payment processes and working capital management.
Key Value Propositions
What Customers Say
"Every new idea and growth opportunity requires cash, which is why Boston Scientific considers free cash flow from operations—and year-over-year improvement in cash flow—to be core metrics for measuring success."
— Graeme Williamson, Former Assistant Treasurer for Capital Markets, Boston Scientific
"The PrimeRevenue Platform is my first choice. The onboarding process is both seamless and thorough to ensure that both the requirements of the supplier and funding bank are satisfied in a timely manner."
— Nick Cimino, HANES Brands Inc.
"PrimeRevenue has provided funds at a very competitive cost, improved our cash flow and shortened the AR cycle. Onboarding was fast and easy."
— Harry Kurnaidi, Trisco Tailored Apparel Manufacturing
Target Customers
Industries Served
Trusted By
Contact Information
Summary
A bank-agnostic, multi-funder platform that enables buyers to extend terms while keeping suppliers paid on time. Offers ERP-integrated workflows, supplier self-service, and global support in 30+ languages.
Key Features
- Multi-funder Supply Chain Finance Platform
- ERP-agnostic integrations with major systems (SAP, Oracle, Microsoft Dynamics 365, etc.)
- 24/7 supplier access to search invoices
- Completely digitized solution
- User-friendly onboarding process
- Support for 00+ countries and 00+ currencies
- Control over program adoption and execution
Key Benefits
- Unlocks working capital for buyers and suppliers
- Reduces dependency on financed debt
- Strengthens supply chains and supplier satisfaction
- Reduces financial risk through a multi-funder platform
- Improves operational performance
- Minimizes accounts payable disruptions
- Suppliers can get paid as soon as the next day
- Digitized and integrated with current ERP systems
- Customer support in 30+ languages
Who Is It For
- Large multinational organizations
- Midmarket organizations
- Suppliers seeking early payment
- Companies looking to optimize working capital and cash flow
Use Cases
- Extending supplier payment terms to free up cash
- Allowing suppliers to receive early payment
- Reducing inbound accounts payable inquiries
- Mitigating risk of funder exit or restriction
- Improving cash liquidity and enabling investments in operations and infrastructure
Supply Chain Finance Solution
Unlock Working Capital for You and Your Suppliers. Creates cash flow to reduce dependency on financed debt. Strengthens supply chains and supplier satisfaction, reduces risk. Improves operational performance. Fuels opportunities and new sources of profitability.
- Creates cash flow to reduce dependency on financed debt
- Strengthens supply chains and supplier satisfaction, reduces risk
- Improves operational performance
- Fuels opportunities and new sources of profitability
Powerful Partnerships that Work
Extending payment terms is easier when partnering with PrimeRevenue.
Extend Payment Terms & Accelerate Cash Flow
Optimizing supplier payment terms frees up cash that would otherwise be trapped inside the supply chain. Suppliers are able to receive payment sooner while you hold onto your cash longer to invest back into your business.
Reduce Financial Risk
PrimeRevenue’s multi-funder Supply Chain Finance Platform mitigates the risk of a funder exiting or restricting a program, while enabling sustained cash flow gains.
Minimize Accounts Payable Disruptions
Enjoy a decrease in inbound AP inquiries with 24/7 supplier access to easily search invoices.
Best in Class Technology & Support
With us, you will enjoy a completely digitized Supply Chain Finance Solution integrated with your current ERP system and customer support in 30+ languages.
With our programs, suppliers get paid as soon as tomorrow
With PrimeRevenue product solutions, the implementation and ongoing management of a supplier finance program is made easier and faster than with any other solution in the market.
About PrimeRevenue
Improve your working capital and increase monthly cash flow while maintaining supplier relationships by partnering with PrimeRevenue, the industry leader in Supply Chain Finance products for the last 20 years. With PrimeRevenue as your partner in deploying a Supply Chain Finance program, our key tenets are adoption and execution. Our technology platform gives you the control to easily pull levers on which programs you run with your suppliers, but our key differentiator is our people.
- 000B+ annual invoice transactions
- 000+ funding partners
- 00+ countries
- 00+ currencies
ERP Integrations
We are ERP Agnostic. Some of our most popular Integrations: SAP, Oracle NetSuite, Cincom Systems, Sage, Microsoft Dynamics 365, QAD, SAP S/4HANA, Oracle, Epicor, Baan, iScala, Infor.
- SAP
- Oracle NetSuite
- Cincom Systems
- Sage
- Microsoft Dynamics 365
- QAD
- SAP S/4HANA
- Oracle
- Epicor
- Baan
- iScala
- Infor
Testimonials
Customer testimonials highlighting ease of onboarding, user-friendly platform, improved cash liquidity, and integration with business processes.
- "Our onboarding process was simple; the platform is user-friendly and the PrimeRevenue Team helped us throughout. Use of the SCF platform has allowed us to improve our cash liquidity, as well as make investments in operations and infrastructure. We want more of our customers to be part of this reverse factoring program." - Ankit Agarwal, Designco
- "The onboarding process is both seamless and thorough to ensure that both the requirements of the supplier and funding bank are satisfied in a timely manner. The reverse factoring platform is an integrated part of our businesses processes, both from finance and supply chain viewpoints." - Nick Cimino, HANES Brands Inc.
- "PrimeRevenue has provided funds at a very competitive cost, improved our cash flow and shortened the AR cycle. Onboarding the Supply Chain Finance software was fast and easy." - Harry Kurnaidi, Trisco Tailored Apparel Manufacturing
Resources
Supporting Resources
Detailed Comparison
Speed of Funding
Funding Flexibility
Integration Capability
Billd, LLCCompany Information
Description
Billd empowers subcontractors to manage their cash flow and operations more effectively through financial solutions tailored to the construction industry.
What They Do
Billd provides financing solutions for subcontractors to facilitate material purchases and cash flow management.
Who They Serve
Subcontractors in the construction industry.
Key Value Propositions
Case Studies
Customer Success Story — Broadband Technology Corporation
Billd helped ease financial pressures allowing projects to be completed on time.
Read Case Study →What Customers Say
"Billd has been a breath of fresh air! I was pleasantly surprised at the ease of doing business with Billd."
— Michael Greenfield, CFO / Broadband Technology Corporation
"Billd has eliminated our problems with funding completely."
— Mark Frederick, CEO / CitiGreen
Customer Reviews
Michael Greenfield
CFO
Billd has been a breath of fresh air! I was pleasantly surprised at the ease of doing business with Billd.
Mark Frederick
CEO
Billd has eliminated our problems with funding completely.
Target Customers
Industries Served
Trusted By
Contact Information
Summary
Financing purpose-built for commercial contractors to purchase materials with up to 120-day terms. Billd pays suppliers upfront so contractors can align repayment with project cash flows and bid more jobs.
Key Features
- Up to 120-day repayment terms
- Same-day or next-day supplier payments via ACH
- Ability to work with any U.S. material supplier or manufacturer
- No hidden fees
- Transparent pricing
- Flexible credit limits
- Simple online portal for submitting material purchases
- Direct delivery of materials to job site
Key Benefits
- Unlock up to 120-day terms on material purchases
- Preserve cash and existing credit lines for better bonding capacity
- Negotiate cash discounts with suppliers using Billd’s upfront payments
- Payments to suppliers are often processed and paid same-day
- Minimize out-of-pocket costs
- No hidden fees; transparent pricing
- No shortlist of suppliers—work with any material supplier or manufacturer in the U.S.
- Credit limits flex with business needs
- Bid more projects with confidence
- Strengthen supplier relationships
Who Is It For
- Commercial contractors
- Subcontractors
- Construction companies in the United States
Material Financing
Protect your cash. Never come out of pocket for materials. We pay your suppliers upfront. You get cash discounts and flexible terms made for construction.
Billd makes it easy to buy materials upfront
A capital solution designed for the unique needs of construction companies
- Get instant cash buying power: Gain leverage to negotiate with suppliers and secure better pricing.
- Control your cash flow: Pay for materials over time with up to 120-day terms.
- Unlock more capital: Your credit limits flex with the needs of your business.
- Plan with confidence: Bid more projects knowing your future financial position.
- Strengthen supplier relationships: Suppliers get paid upfront while you secure cash discounts—without using your own cash.
Learn how Billd and material financing can strengthen your supplier relationships and help stabilize your cash flow
Fill out the form to connect with a Billd representative. Your information is safe and secure.
Hear about material financing from the people using it
Customer testimonials from TLP Construction, CitiGreen, StruktureOne Group, and Plumb-Tech.
Using Billd is easy
The Billd portal makes submitting your material purchases simple. Enroll today in less than 5 minutes.
- Enroll with Billd
- Enter or select your project
- Upload your material quote
- The materials are delivered directly to your job site
Frequently Asked Questions
- What is material financing?
- What are the benefits of paying for construction materials with Billd?
- How does paying a material supplier with Billd work?
- How long is the repayment term for material financing?
- How long does it take for my supplier to receive payment from Billd?
Resources
Supporting Resources
Detailed Comparison
Speed of Funding
Funding Flexibility
Integration Capability
Growth Solutions and Financing for Subcontractors
ConstraforCompany Information
Description
Increase your growth with Constrafor’s construction-first suite of risk management software and growth solutions for construction firms.
What They Do
Provide risk management and growth solutions tailored for the construction industry.
Who They Serve
General contractors and subcontractors.
Key Value Propositions
What Customers Say
"Constrafor does a great job of streamlining the contract negotiation and subcontractor onboarding and management process. Constrafor is construction industry based so the workflow was specific and therefore more efficient."
— Zachary A., Assistant Project Manager
"Constrafor transformed our workflow, internally and externally. We've streamlined contract management, tailored the software to match our needs, and improved visibility."
— Stephanie H., Operations Support Manager
"What stands out about Constrafor is their flexibility and willingness to engage, listen, and help solve our business specific challenges."
— Brad H., Risk Manager
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Navigation Links
Summary
Invoice financing designed for construction subcontractors to turn GC-approved pay applications into immediate working capital. Funding is typically delivered within 48 hours with clear, upfront fees.
Key Features
- Fast funding: direct deposit within 48 hours after contract signing
- Transparent pricing: all costs provided upfront
- No monthly payments required
- No lengthy approval process
- Choose which invoices to finance
- Cancel at any time
- E-signature contract process
- Constrafor works with your GC for payment collection
Key Benefits
- Get paid within 48 hours for GC-approved invoices
- Maintain control of contractor relationships
- Free up working capital without adding debt or giving up equity
- Finance mobilization costs for new projects
- Purchase materials and equipment
- Pay bills and cover payroll
- Pay down high-interest debt
- No hidden fees or long-term interest
- Flexible: finance all or just one invoice
Who Is It For
- Subcontractors
- Specialty contractors
Financing built for subcontractors
Get paid within 48 hours, maintain complete control of your relationships, and turn your GC-approved pay applications into immediate working capital.
How Early Pay Program Works for Subcontractors
- Start an Early Pay Program Request: Create an account to start an early pay request. It’s easy and free to get started and you can cancel at any time.
- e-Sign the Early Pay Program Contract: We'll review your request and provide details of all costs upfront in our EPP contract - no hidden fees, no long term interest.
- Get Paid Within 48 Hours: Once the contract is signed, we’ll send the funds to your bank account within 48 hours via direct deposit.
Who can benefit from Early Pay Program?
Early Pay Program is made for subcontractors or specialty contractors who want to strengthen their company’s cash flow.
- Take on more projects
- Finance mobilization costs for new projects
- Purchase material and equipment
- Pay bills & cover payroll
- Pay down high-interest debt
How does Early Pay Program compare to other financing options?
EPP combines the best of credit lines and bank loans: easy to access, no lengthy approval process, only pay for what you use, and does not have any monthly payments.
Construction-first Financing Solution for Subcontractors
- Free up cash without debt: Free up working capital to grow your business without adding debt or giving up equity.
- Get paid quickly and easily: Apply in minutes, choose which invoices to finance, and get paid within 48 hours via direct deposit.
- Control your cash position: You know what you pay up front – no hidden fees, and no long-term interest.
- Minimize your cost and risk: Minimize your rate and get paid reliably and securely – every time.
Plans & Pricing Options
- Blue: 0.4% Weekly EPP Fee, 1.00% upfront fee, $0/month, $0/year, funding needs up to $100k
- Gold: 0.35% Weekly EPP Fee, 0.75% upfront fee, $1,750/month, $16,800/year, funding needs up to $500K
- Platinum: 0.33% Weekly EPP Fee, 0.50% upfront fee, $3,500/month, $33,600/year, funding needs for any subcontractor
Frequently Asked Questions
- Do I have to finance all of my invoices? No. EPP is flexible – you can enroll all or just one of your invoices.
- Who is responsible for collecting payment from GCs? Constrafor will work with your GC, so you never have to worry about chasing payments.
- Which invoices qualify for Early Pay Program? Only GC-approved invoices on active jobs are eligible for EPP.
Resources
Supporting Resources
Detailed Comparison
Speed of Funding
Funding Flexibility
Integration Capability
C2FOCompany Information
API Resources
Description
C2FO powers early payment programs for the world’s largest companies, providing a platform for suppliers to receive early payments on invoices.
What They Do
C2FO provides early payment solutions and flexible working capital options to businesses, enabling them to optimize their financial strategies.
Who They Serve
C2FO serves suppliers and buyers across various industries who need flexible early payment options and improved cash flow.
Key Value Propositions
Case Studies
Bunnies by the Bay — Bunnies by the Bay
Bunnies by the Bay finds trusted financing with C2FO Lending Connections.
Read Case Study →What Customers Say
"I would highly recommend C2FO to any small business. This is a program that does not take advantage of us, that is actually here to help us be financially sound and compete with larger companies."
— Andrea Stringer, President and CEO, Alder Creek Gift Baskets
"What C2FO is allowing us to do is really operate and function as we should be functioning, and everyone gets paid for the work that they do, when they do it."
— Calvin Jackson, Owner and Creative Director, The Lemon Ad Stand
Customer Reviews
Target Customers
Industries Served
Trusted By
Contact Information
Navigation Links
Summary
An early payment marketplace where suppliers accelerate approved invoices directly with their buyers. Suppliers select which invoices to accelerate and set their own discount using patented Name Your Rate technology, often receiving funds as soon as the next day.
Key Features
- Patented Name Your Rate® technology: suppliers choose their own discount for early payment
- Three rate options: Name Your Rate, Trending Rate, Express Accept
- C2FO Invoice Central: dashboard for managing invoices, cash flow forecasts, and AR insights
- Ability to view and manage invoices from all buyers in the C2FO network
- On-demand access to early payment offers
- Secure platform for requesting and tracking early payments
Key Benefits
- Get invoices paid faster, often as soon as the next day
- Free up cash flow to invest in inventory, operations, or growth
- Ultimate flexibility and control over early payment rates with Name Your Rate® technology
- Lower cost of capital compared to many other funding sources
- No obligation to accelerate all invoices
- Does not change existing payment terms or processes
- Easy, fast, and secure platform experience
Who Is It For
- Suppliers with approved invoices from buyers using C2FO
- Businesses seeking to improve cash flow and access working capital quickly
- Companies of all sizes, including those working with Fortune 100 and Forbes Global 2000 buyers
C2FO Early Pay™
Get your invoices paid faster. Turn approved invoices into capital to grow your business. Working directly with your buyer, you can free up funds trapped in lengthy payment terms and get the cash flow you need to invest in everything from inventory to growing your team.
C2FO BY THE NUMBERS
- 32 Average Days Paid Early
- 42m+ Invoices Accelerated In 2025
- 160+ Countries Served
- $445b+ Supplier Funding to Date
The Only Early Payment Solution That Puts You in Control
Patented Name Your Rate® technology gives businesses flexibility with early payment. Select a discount that works for you and receive payment confirmation as soon as the next day.
- Name Your Rate: choose the exact amount you want to pay for your invoices to be paid early.
- Trending Rate: the rate your buyer has the potential to accept based on businesses similar to yours.
- Express Accept: the rate your buyer will accept immediately for fastest payment.
Get a Single View of Your Cash Flow
With C2FO Invoice Central, it’s easy to get better visibility into payments and gain access to low cost capital by offering customized rates for early payment.
- View approved invoices for Early Pay
- Manage invoices from all your buyers in the C2FO network
- View cash flow forecasts and AR insights
- Request early payment in just a few clicks
- Track invoice status changes and follow up on pending Early Pay offers
Get Started
- Find Your Buyer and Activate Your Account: Search our network to discover your buyers that offer early payment with C2FO.
- Select Invoices and Set Your Discount: Choose the invoices you want to be paid early and set your discount rate.
- Get Paid Early: When your discount offer is accepted, you’ll receive payment as soon as the next day.
Do Your Buyers Already Use C2FO?
Top Fortune 100 and Forbes Global 2000 companies already offer early payment through C2FO. Activate your account, and you’ll see your approved invoices from all your active buyers as soon as you log in.
Optimize Your Cash Flow With Early Payment
Testimonial from Michael Twer, Founder and CEO, Delilah Home: 'Having that opportunity of being paid almost 50% faster than I normally would allows me to continue to reinvest back into my company.'
Get Your Approved Invoices Paid Early
Getting started is simple. Select a buyer on our platform, activate your account and you’re ready to make an early payment offer.
Frequently Asked Questions
- Why use Early Pay if I have other financing options?
- What is C2FO's relationship with my buyers?
- How do I receive payment?
- How quickly can I receive early payment?
- Does Early Pay change my terms?
- Is this the same as Supply Chain Finance?
Resources
Detailed Comparison
Speed of Funding
Funding Flexibility
Integration Capability
Our Ranking Methodology
How we rank these offerings
We ranked these supplier financing and invoice financing platforms for construction firms in the USA based on three key factors: Funding Flexibility (40% weight), Integration Capability (30% weight), and Speed of Funding (30% weight). Payables Solutions scored highest because of its flexible funding options and strong integration capabilities. Supply Chain Finance performed well with its bank-agnostic model and multiple ERP integrations. Material Financing stood out for fast funding and good integration options for construction-specific tools.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for supplier and invoice financing in the construction industry?
- Pricing models for supplier and invoice financing in the construction industry often include discount rates on accelerated payments, transaction fees, or interest rates on advances. For example, C2FO Early Pay™ allows suppliers to set their own discounts through the Name Your Rate technology, offering flexibility in terms of cost structure. Meanwhile, platforms like Growth Solutions focus on clear, upfront fees for subcontractors, which ensures transparency and better financial planning.
- What are the key selection criteria for choosing a supplier financing platform?
- Key selection criteria include integration capabilities with existing ERP systems, flexibility in financing options, the ability to support multi-funder solutions, and global operability with multilingual support. For instance, Supply Chain Finance offers a bank-agnostic platform that integrates seamlessly with ERP systems and supports operations in 30+ languages, making it ideal for diverse and international construction firms.
- How do industry standards and compliance affect construction-specific financing platforms?
- Industry standards and compliance impact platforms significantly by dictating financial reporting requirements, data security measures, and fair trade practices. Platforms like Payables Solutions ensure compliance by integrating with ERPs and adhering to dynamic discounting and third-party-funded supply chain finance practices, which align with regulatory frameworks and enhance supplier liquidity without compromising compliance.
- What are the common implementation challenges faced by construction firms utilizing these financing platforms?
- Common implementation challenges include aligning new financing workflows with existing business processes, data migration issues, and ensuring user adoption across departments. Solutions such as those from Supply Chain Finance offer ERP-integrated workflows and supplier self-service portals to streamline integration and minimize disruption, while platforms like Material Financing provide customized terms to match project cash flows, easing the transition for contractors.
- How do supplier financing platforms deliver ROI for construction firms?
- Supplier financing platforms deliver ROI by enhancing cash flow, reducing supply chain disruptions, and enabling firms to take advantage of early payment discounts and increased bidding opportunities. Material Financing, for example, allows commercial contractors to purchase materials with extended terms, enabling them to align payment schedules with project timelines, thus facilitating more competitive bidding and improving financial management. Similarly, C2FO Early Pay™ offers next-day funding, allowing firms to better manage their cash flow and financial planning.
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