about us
cflox is an international payment institution that combines payments, working capital, and financing into innovative solutions. With a focus on working capital, we help our clients strategically optimize payment terms and cash flow.
In collaboration with renowned international financing partners and through over 180 active client programs, we develop tailor-made solutions that strengthen liquidity and increase supply chain efficiency.
Our home is Hamburg, Germany − our perspective is global. cflox GmbH is registered as a payment institution under ZAG with BaFin, making us secure, reliable, and ready for immediate use.
With our clients, we emphasize cooperative, long-term relationships that are built on trust and generate mutual benefits.
We build upon transparent actions and processes. We emphasize a structured and efficient interaction and open communication.
It is our goal to achieve high and sustainable quality. For our clients, we are willing to go the extra mile to create value that lasts.
Data protection and security have the highest priority. Therefore, we use proven, secure technologies and run our services on certified servers located in Germany.
cflox is an international payment institution and technology-based market-platform with enormous growth potential - but it is our team of employees, that make cflox so successful: they continuously develop and optimize, master challenges, and shape our corporate culture with their sense of responsibility, commitment, flexibility, as well as their constant will to do their best and make an impact.
our clients
cflox is the leading international payment institution for optimizing working capital and financing within the supply chain. We support successful companies and corporations in implementing programs with accounting according to Local GAAP and IFRS.
"cflox enables the rapid implementation of supply chain finance - without operational complexity."
"In today’s dynamic agricultural market, cflox pay offers a fast, hassle-free solution with top-notch support, giving us flexibility and planning certainty."
"As a fast-growing clean tech company, we need solutions that can keep up with our pace. cflox pay helps us manage our working capital efficiently - with a setup that’s straightforward and works seamlessly in our day-to-day operations."
"By optimizing our cash conversion cycle, we gain financial flexibility and reduce our dependence on the commodities market."
"cflox has enabled us to optimize our working capital more efficiently and flexibly across locations, thereby improving our ability to manage our international operations."
"In a highly international and fast-growing retail environment, cflox enabled a fast and straightforward implementation that fits our operational pace."
"cflox enabled us to optimize net working capital and implement payment connectivity virtually overnight. The collaboration has been efficient from day one."
"As an internationally active industrial company, a quick and straightforward implementation was particularly important to us. The cflox team provided us with excellent support from our first meeting through to go-live - and today we are reaping the benefits of greater financial flexibility."
"Through targeted and revolving working capital management, we create additional financing capacity for investments in the energy transition."
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