Welcome to cflox earlypay

Early payments for suppliers. It's never been easier.

Enable early payments for your suppliers with cflox earlypay. Benefit from stronger supply chains, longer payment terms, and additional discounts. Choose between bank financing and your own liquidity. Implementation takes place as a means of payment. No further measures are necessary.

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cflox earlypay

Company

Suppliers

Refinancing (optional)

Step 1

Payment order

The client sends payment orders for selected suppliers to the cflox earlypay account as soon as they have been approved for payment.

Step 2

Early payment

cflox pays the supplier ahead of the due date for a fee.

Step 3

Refinancing (optional)

The period between early payment to the supplier and actual debiting and write-off for the client is refinanced by selected banking partners. Optionally, this can also be done using the client's own liquidity.

Step 4

Direct debit

cflox collects the payment amount from a reference account of the client on the original due date. Alternatively, the client can also be granted an additional payment term.

Your advantages

Early payments for your suppliers – invisibly embedded in your payment run

With cflox earlypay, you can optimize your payment terms and strategically strengthen your supply chain. For early payments to suppliers, you can dynamically choose between bank financing or your own liquidity.

Our clients

Our clients work with their suppliers to optimize payment terms, working capital, and financing

Numerous international companies use cflox in more than 100 programs to optimize their payment terms and financing in their supply chain. Together, we develop analyses, strategies, and solutions to identify and realize potential.

Overview

The right solution for every role

Tailor-made supply chain finance

cflox earlypay is as easy to integrate as a payment method. It enables the right strategic solution to optimally address your specific challenges in finance, accounting, and procurement.

CFO & Treasury

Secure liquidity, increase profitability, and monitor supply chains

Optimization of Payment Terms 100% CFO Control Strong Supply Chains

You are faced with the challenge of securing liquidity, increasing profitability, and monitoring and stabilizing supply chains. cflox earlypay is your strategic lever that allows you to maintain full control.

You decide specifically – per supplier group or according to ESG criteria – whether to optimize payment terms or realize discounts. You can flexibly choose between using your own liquidity or external financing partners. Maximize your effects by supplementing our working capital solution cflox pay. Everything is as simple as possible from a single source – controlled by you as a means of payment in your systems. The result: you strengthen strategic suppliers, increase the resilience of your supply chain, and manage your working capital efficiently.

Purchasing

Security of supply and cost optimization

Easy Onboarding Early Payment Discount

Your goals are security of supply and cost optimization. cflox earlypay is a strategic tool for both tasks: by offering your strategic suppliers early payment and thus immediate liquidity, you can retain suppliers, strengthen the supply chain, and reduce the risk of delivery failures . Onboarding suppliers is easy and requires no administrative effort. At the same time, the solution enables you to obtain better terms from selected suppliers, introduce cash discounts, or extend and standardize payment terms by offering early payment. Use dynamic payment terms to your advantage in negotiations for a mutual win-win situation.

Accounting

Maximum process efficiency

Easy Integration Process Reliability

Your priority is maximum process efficiency. cflox earlypay integrates seamlessly into your existing incoming invoice processes and ERP workflows. Early payments are processed as part of regular payment runs. The blocking of financed documents or the correct posting of discounts is automated and transparent. Manual reconciliation is no longer necessary, which increases process reliability and preserves valuable resources for core tasks.

Our financing partners

Strong partners for strong financing

We work with a network of selected international corporate banking partners to enable long-term programs with attractive terms and conditions.

Uses of cflox earlypay

One solution – multiple applications

With cflox earlypay, you enable your suppliers to receive early payments. This allows you to strengthen key suppliers, increase your EBIT, and implement programs based on ESG criteria. This creates financial benefits for both sides while also increasing the stability of your supply chain.

Early supplier payments

Would you like to offer your suppliers the option of early payment?

Optimization of Payment Terms Strengthening Suppliers

cflox earlypay is the simplest option for early payment to your suppliers. Suppliers benefit from immediate access to liquidity at attractive terms. You simply send the payment orders with approved invoices to the cflox earlypay account and choose whether the early payment should be made via a financing partner or your own liquidity. No further changes are necessary.

Conventional financing offers often fail here due to one major hurdle: a complex supplier onboarding process. cflox earlypay eliminates this process entirely. Your early payment offer is a genuine, immediately usable aid without any administrative effort for your partners. This not only stabilizes individual suppliers, but also strategically and effectively strengthens the foundation of your entire supply chain.

Longer payment terms with the option of early payment

Would you like to negotiate longer payment terms and offer your suppliers the option of early payment?

Additional Payment Terms Early Payment Attractive Terms and Conditions

Negotiating longer payment terms with suppliers can be difficult. Both sides have different interests – a bridge must be found. Purchasing companies want standardized payment terms that are as long as possible. Suppliers want payment terms that are as short as possible. This is where cflox earlypay helps: Purchasing companies receive longer payment terms from suppliers, who in return receive the option of early payment at attractive conditions. Effectively, suppliers can even improve their cash flow. A win-win for both sides.

EBIT increase through additional discounts

Would you like to offer your suppliers an attractive option for early payment and benefit from additional discounts?

Discounts Liquidity Strong Supply Chains

With cflox earlypay, you can receive additional discounts from your suppliers for early payment of confirmed invoices. This gives suppliers unbureaucratic access to immediate liquidity and improves their cash flow. They use existing liquidity and achieve attractive returns – while strengthening their own supply chain.

Strengthening strategically important suppliers

Would you like to support and retain strategically important suppliers – through stronger integration and a win-win situation for both sides?

Easy Integration Supplier Retention

Offer your suppliers the option of early payment of confirmed invoices – use supply chain finance. cflox earlypay is the simplest option for early payment to your suppliers. Easily integrated, with immediate access and wide reach. Simply send your payment orders with approved invoices to the cflox earlypay account and dynamically choose whether the early payment should be made via a financing partner or your own liquidity.

ESG-based supplier programs

Do you want to manage and finance your supply chain finance program according to ESG criteria?

Sustainable Supply Chains

With cflox earlypay, you can manage financing and terms individually or by supplier group. Important factors here are usually industry segments, regions, or ESG criteria. These can be analyzed and managed centrally. Provide the right incentives in your supply chain to grow sustainably together.