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
Executive Summary
We analyzed 5 solutions. Top Recommendation: Payables Solutions by SAP Taulia scored highest due to Best for global enterprises with SAP or mixed ERPs needing flexible working‑capital optimization. It dynamically switches between buyer‑funded dynamic discounting and third‑party SCF at the invoice level [1], offers ERP‑agnostic integrations [2], and embeds virtual cards for instant supplier payments and automated reconciliation [3].
At a Glance
Payables SolutionsbySAP Taulia
Best for: Best for global enterprises with SAP or mixed ERPs needing flexible working‑capital optimization. It dynamically switches between buyer‑funded dynamic discounting and third‑party SCF at the invoice level [1], offers ERP‑agnostic integrations [2], and embeds virtual cards for instant supplier payments and automated reconciliation [3].
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SAP Taulia
Company Information
Company Overview
Company Details
Contact Information
Key Value Propositions
- Automated and integrated solutions for cash flow management
- Support for supply chain finance
- Comprehensive liquidity control options
Industries Served
Technical Information
Taulia provides an API for integration with existing ERP systems.
Social Proof
Customer Testimonials
Taulia's solutions have significantly improved our working capital management.
Customer Reviews
Trusted By
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 StudySummary
SAP Taulia Payables Solutions enables organizations to maximize value from their payables by offering Dynamic Discounting, Supply Chain Finance, and Virtual Cards. The platform provides liquidity to suppliers, reduces costs, improves cash flow, and supports ESG initiatives across the supply chain. It is designed to drive efficiency, minimize costs, and strengthen financial positions with a scalable program.
Overview
SAP Taulia Payables Solutions is a comprehensive platform that helps organizations achieve working capital goals by integrating seamlessly with ERP systems, providing access to an extensive funding network, and leveraging dedicated expertise. The solution modernizes legacy payables programs, enabling efficiency, cost minimization, and financial growth through a scalable payables portfolio.
Best For
Best for global enterprises with SAP or mixed ERPs needing flexible working‑capital optimization. It dynamically switches between buyer‑funded dynamic discounting and third‑party SCF at the invoice level [1], offers ERP‑agnostic integrations [2], and embeds virtual cards for instant supplier payments and automated reconciliation [3].
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.
Features & Modules
Achieve your working capital goals
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
Security
- World-class security for ERP integrations.
- Single connection point for secure data exchange.
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.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Bank-agnostic solutions
- Integration with existing systems
- Reduction in transaction errors
- Improved cash flow management
Technology Stack
Industries Served
Technical Information
Social Proof
Customer Testimonials
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.
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.
PrimeRevenue has provided funds at a very competitive cost, improved our cash flow and shortened the AR cycle. Onboarding was fast and easy.
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Target Customers
Summary
PrimeRevenue's Supply Chain Finance Solution is a digitized platform that enables buyers to extend payment terms while allowing suppliers to receive early payment, thus improving cash flow for both parties. The solution is integrated with existing ERP systems and is supported by a multi-funder model to mitigate financial risk.
Overview
PrimeRevenue's Supply Chain Finance Solution helps companies unlock working capital for themselves and their suppliers by optimizing payment terms, reducing dependency on financed debt, and improving operational performance. The platform is designed to strengthen supply chains, reduce risk, and fuel new opportunities for profitability.
Best For
Best for large and midmarket companies operating global supply chains. Its centralized, ERP‑agnostic portal and onboarding/reporting streamline operations while a 100+‑funder network processes $300B+ annually [1]; suppliers get 24/7 invoice access and early‑payment options [2], and the multi‑funder model reduces funding risk [3].
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
Features & Modules
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
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
Customer Testimonials
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.
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.
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.
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Billd, LLC
Company Information
Company Overview
Company Details
Contact Information
Trust & Compliance
Key Value Propositions
- Flexible payment solutions for material purchases
- Streamlined accounts receivables process
- Enhanced cash flow management
Industries Served
Technical Information
Social Proof
Customer Testimonials
Billd has been a breath of fresh air! I was pleasantly surprised at the ease of doing business with Billd.
Billd has eliminated our problems with funding completely.
Customer Reviews
"Billd has been a breath of fresh air! I was pleasantly surprised at the ease of doing business with Billd."
Trusted By
Case Studies
Customer Success Story
Broadband Technology Corporation
Billd helped ease financial pressures allowing projects to be completed on time.
Read Case StudySummary
Material Financing is a payment solution for commercial contractors that enables them to buy construction materials with up to 120-day terms. Billd pays the supplier upfront, and the contractor repays Billd when they get paid or within 120 days, whichever comes first.
Overview
Material Financing by Billd provides commercial contractors with up to 120-day payment terms on material purchases. Billd pays suppliers upfront, allowing contractors to preserve cash, negotiate discounts, and manage cash flow more effectively. The solution is designed specifically for the unique needs of construction companies, enabling them to take on larger projects and stabilize their finances.
Best For
Best for U.S. commercial contractors and subcontractors facing long payment cycles. Billd pays suppliers upfront and extends up to 120‑day terms tailored to pay‑when‑paid realities [1], often funding via same‑day/next‑day ACH [2], helping preserve cash and pursue larger projects with any U.S. supplier [3].
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
Features & Modules
Material Financing
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
Using Billd is easy
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?
Customer Testimonials
Our Partnership with Billd has been a major asset to help scale our company. Billd provides us with the flexibility and capital thats necessary to finance larger projects, that we previously were not able to. This gives us the additional cash flow thats often required for larger projects that a traditional banks do not provide. We utilize Billd to assist with financing materials on projects & advancing payment for work that is completed. This significantly increases our cash flow & working capital, and has allowed us to scale our company . Both Lanham Crouch & Corey Stepanek with Billd have been great to work with and are VERY PROACTIVE to assist with any of our needs. TOP NOTCH GUYS to work with! Great partnership overall to say the least. Highly recommend!
Billd has eliminated our problems with funding completely. We’ve been able to keep all of our projects on schedule with no delay, and we’re finishing our projects faster than when we were just using vendor credit. And the staff at Billd is fantastic. They’ve made the whole process very smooth and easy for us.
Having Billd in our corner made us more bullish on chasing projects. It made our lives a lot easier as far as being able to better manage cash flow on certain jobs.
The longer timeframe Billd offered was super useful. They made everything much smoother; with less pressure to make material payments in 30 days, we can focus on the work that matters. Billd came at a crucial time in our growth. We don't have to live in survival mode anymore. Without Billd, I don't think we'd have been able to weather any type of storm. It’s been a vital part of our business.
Pricing
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- Your information is safe and secure (as stated on the form section)
Constrafor
Company Information
Company Overview
Company Details
Contact Information
Key Value Propositions
- Construction-first suite of risk management software
- Automation of procurement workflows
- Improved invoice tracking and project risk management
- Cash flow management tools for subcontractors
Industries Served
Technical Information
Social Proof
Customer Testimonials
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.
Constrafor transformed our workflow, internally and externally. We've streamlined contract management, tailored the software to match our needs, and improved visibility.
What stands out about Constrafor is their flexibility and willingness to engage, listen, and help solve our business specific challenges.
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Summary
The Early Pay Program is a construction-first financing solution designed for subcontractors and specialty contractors. It allows them to receive payment for GC-approved invoices within 48 hours, helping to finance new projects, cover payroll, purchase materials, and more. The program is flexible, transparent, and easy to use, with no hidden fees or long-term interest.
Overview
Constrafor's Early Pay Program (EPP) provides subcontractors with fast, flexible financing by turning GC-approved pay applications into immediate working capital. Subcontractors can get paid within 48 hours, maintain control of their business relationships, and improve cash flow without taking on debt or giving up equity.
Best For
Best for subcontractors and specialty trades needing fast, non‑debt working capital. Constrafor advances on GC‑approved pay applications with direct deposit within 48 hours [1], offers transparent, upfront pricing and invoice‑by‑invoice flexibility [2], and helps maintain control of contractor relationships while improving cash flow [3].
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
Features & Modules
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.
Customer Testimonials
Constrafor's EPP allows us to take on projects that have long payment durations - we wouldn't take on these projects without it
Mary Grubbs, CEO and President of LJS Waterproofing chose Constrafor to accelerate their payment for GC invoices. Ms. Grubbs shares the impact that Constrafor had on her cash flow and how seamless the process was for her and the GCs she works for.
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- Funds are sent via direct deposit to your bank account
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C2FO
Company Information
Company Overview
Company Details
Contact Information
Trust & Compliance
Key Value Propositions
- Fast access to capital
- Flexibility in selecting payment options
- No contracts or hidden fees
Industries Served
Technical Information
C2FO offers API access for integration with partner systems to facilitate early payment solutions.
Social Proof
Customer Testimonials
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.
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.
Customer Reviews
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Case Studies
Bunnies by the Bay
Bunnies by the Bay
Bunnies by the Bay finds trusted financing with C2FO Lending Connections.
Read Case StudySummary
C2FO Early Pay™ is a platform that allows suppliers to turn approved invoices into immediate capital by offering discounts for early payment. Suppliers can choose which invoices to accelerate and set their own discount rates, receiving payment as soon as the next day after offer acceptance. The solution is on-demand, does not require all invoices to be accelerated, and does not alter existing payment terms.
Overview
C2FO Early Pay™ enables suppliers to receive early payments on approved invoices, providing faster access to working capital. By working directly with buyers, suppliers can free up funds trapped in lengthy payment terms and invest in business growth. The platform offers flexibility and control over early payment rates and timing.
Best For
Best for suppliers to large enterprises seeking on‑demand, low‑cost early payments. Patented Name Your Rate lets suppliers set discounts and get paid as soon as next day [1]; Invoice Central consolidates approved invoices across buyers [2]; many Fortune 100/Global 2000 buyers participate [3].
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
Features & Modules
C2FO Early Pay™
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?
Optimize Your Cash Flow With Early Payment
Get Your Approved Invoices Paid Early
Pricing
Suppliers offer a discount on their invoice in exchange for early payment. The discount rate is set by the supplier (Name Your Rate), suggested by the platform (Trending Rate), or accepted immediately (Express Accept). There are no additional fees mentioned.
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Security
- C2FO provides a secure platform for requesting and tracking early payments.
- C2FO is the technology and support provider for buyers’ early payment programs.
- No explicit details on encryption or certifications are provided on this page.
Compliance
- C2FO operates in 160+ countries.
- Patents: 10,817,932 and 11,100,477.
- No explicit mention of SOC 2, ISO 27001, or other certifications on this page.
Data Quality & Transparency
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:
Flexibility in sourcing and managing funds is crucial for supplier liquidity and financial strategy.
Seamless integration with existing construction and financial systems ensures smoother operations.
Quick access to funds is vital for maintaining cash flow in construction projects.
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.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.