Welcome to cflox
cflox is the leading international payment institution integrating payments, working capital, and financing through technology. Our unique solutions empower companies to manage their cash flow and strengthen their supply chains. Welcome to the future of corporate payments.
cflox Dynamic Payment Terms
The current market environment is diverse and volatile. Why are payment terms still inflexible and static? We dynamically optimize payment terms, cash flow, and working capital within the supply chain. Early payments for suppliers and additional payment terms for buyers. Individually or in combination. Implemented quite simply as a payment method.
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.
Industry Insights
Supplier structures and financing requirements are unique. We have established over 100 client programs to develop the stability and financing for their respective supply chains. We combine industry-specific know-how and specialized applications to collectively develop the best solution for your needs.
The automotive industry consistently invests in new technologies such as electromobility and climate-friendly product development. Innovation demands capital and requires novel, future-oriented financing solutions.
Chemical companies often have to negotiate with a small number of suppliers who dominate the market and want to enforce their own payment terms and interests. By using the supplier-independent cflox solution, lengthy negotiations with suppliers become obsolete.
For companies in the retail sector, striking a balance between discounts and ensuring liquidity is crucial. This is precisely where cflox's solutions for early supplier payments and additional payment terms come into play.
As an IT or telecommunications company, you often source your goods and services from countries outside Europe. Your suppliers expect punctual payments in their local currency, which you can easily handle using our solutions.
The demand for construction services and materials is subject to strong seasonal fluctuations. In winter, there are often fewer orders, which can lead to financial bottlenecks. With an additional payment term of 60+ days, cflox effectively supports you in optimizing your working capital.
In the dynamic world of agriculture, commodities, and mining, close ties with your strategic suppliers often mean lengthy negotiations over payment terms. By using our solutions, you get an additional payment term of 60+ days, regardless of your supplier.
Rigid payment terms in the food industry are a challenge for many companies. They need flexible solutions to cope financially with seasonal fluctuations and full warehouses.
In the logistics industry, many suppliers are small or medium-sized companies with limited financial resources. To secure their liquidity, cflox allows you to pay them either early or by using an additional payment term.
Negotiations with suppliers regarding payment terms are often lengthy and complex. Agreement is not always reached, which can lead to weak supplier relationships. By using our cflox solutions, negotiations with your suppliers become obsolete—and relationships are strengthened.
The global waste and recycling market is growing rapidly. Companies in this industry finance this growth with our solutions so that funds remain available for important investments.
Textile companies often source goods and services from Asian and other overseas countries, leading to long delivery times. With cflox, your partners (even abroad) can be paid early, within agreed payment terms, but wait up to 60+ additional days. This ensures optimal relationships and strengthened liquidity.
Negotiations with suppliers in the manufacturing industry can be extremely lengthy and complex. There is often a high potential for conflict over payment terms, which can lead to weak supplier relationships. By using our cflox solutions, negotiations with your suppliers become obsolete—and relationships are strengthened.
Energy projects, especially in the field of renewable energies, are characterized by high initial investments. The projects often require significant financial resources for the planning, construction, and commissioning of the plants. Companies in this industry finance this growth with cflox so that funds remain available for important investments.
Our Financing Partners
We collaborate with a network of selected international corporate banking partners to enable attractive long-term programs.
Trade fairs and events
Experience cflox working capital expertise firsthand. Learn more about the simplest way to optimize payment terms and meet us at the most important industry events.
Magazine
Discover in-depth analyses, interviews, and current trends in financing for working capital and supply chain management.
For treasury managers, the annual financial statements mean juggling a wide variety of stakeholders and demands. Cash flow is a particularly important lever in the management of key performance indicators. Ralf Kesten, Executive Director Head of Multinationals & Partner Management at cflox, uses the example of the cflox client medmix to explain how more flexible payment terms allow for greater leeway both internally and externally.
Treasurers will face three key challenges in 2026. This report outlines the principles of modern solutions that go beyond traditional financing instruments and shows how companies can turn their working capital into a real strategic advantage.
The fourth quarter marks the beginning of a critical phase for finance departments worldwide: the final push toward the annual financial statement. For large and multinational corporations, the year-end closing is the company's most important business card, a combination of a mandatory requirement and a strategic tool. It is a central instrument for corporate management and external communication.
