Additional payment terms with cflox pay

Extend payment terms – without involving suppliers

Manage your working capital, net debt, and operating cash flow with cflox pay, just like numerous other international companies. No need to get suppliers involved.

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cflox pay

Company

Suppliers

Partner Bank

Step 1

Payment Order

At the negotiated supplier payment term, the client sends a payment order to their cflox pay account to pay the desired suppliers.

Step 2

Payout

cflox pays the suppliers precisely on the due date on behalf of the client.

Step 3

Refinancing

The payment order creates a new receivable from the client in the amount of the payment, which cflox sells to the bank.

Step 4

Direct Debit

When the cflox payment term becomes due, cflox debits the payment amount from the client’s reference account and forwards it to the bank.

Your advantages

Balance sheet management has never been so easy

cflox pay was developed specifically for the requirements of CFOs and treasury departments of international companies with strong credit ratings and high demands on security, growth, and scalability.

Our clients

You too can use cflox pay to strengthen your working capital

Our track record of successfully established cflox pay programs with balance sheet effects according to local GAAP and IFRS.

Overview

The right solution for every role

Tailor-made optimization of working capital

cflox pay is integrated as easily as a payment method. It provides the right strategic solution to optimally address your specific challenges in finance, accounting, and procurement.

CFO & Treasury

Optimize working capital and manage balance sheet structure

Additional Payment Terms Working Capital KPI Management

cflox pay provides CFOs with a tool for actively managing working capital. This allows them to optimize their balance sheet structure, key KPIs, and covenants. Refinancing is provided by strong financing partners and/or your house bank at attractive terms. cflox pay is integrated as a new payment account and can be used immediately: 100% CFO control.

Procurement

Strong partnerships and growth

Strong Supplier Relationships No Price Pressure or Negotiations

When using cflox pay, companies receive additional payment terms without involving suppliers. This means that purchasing does not have to negotiate longer payment terms, which often leads to conflicts and price pressure. cflox pay allows you to focus on what is essential: long-term partnerships for mutual growth with the best quality and price.

Accounting

Clarity and certainty in accounting classification

Control of Balance Sheet Structure Optimization of KPIs

cflox is established on the market with over 100 implemented programs and corresponding effects in accordance with Local GAAP and IFRS. We and our customers have worked with all major auditors. With this expertise, we support internal accounting opinions with empirical values, case studies, and white papers.

Our financing partners

Strong partners for strong financing

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

Uses of cflox pay

One solution, versatile applications

With cflox pay, you can manage your payment flows flexibly according to your needs: extending payment terms, efficiently leveraging discounts, or combining with existing supply chain finance programs. This allows you to deploy financial leeway precisely where it has the greatest impact - for stable supply chains, strong partnerships, and optimized working capital.

Additional payment terms

Would you like additional payment terms without involving suppliers?

Extended Payment Terms Optimized Working Capital

With cflox pay, you get an additional payment term of 60+ days – for valuable flexibility in your financial planning and an optimized balance sheet structure. The extended terms are used specifically where you strategically manage your liquidity: in your operational business. This allows you to finance your purchases, control your working capital, and actively manage your balance sheet structure.

Combination of cash discounts and long payment terms

Would you like to realize the advantages of cash discounts and benefit from long payment terms at the same time?

Liquidity Optimized Working Capital

With cflox pay, you can combine discounts from your suppliers with long payment terms. You pay your suppliers early and secure attractive discounts, while benefiting from additional payment terms through cflox pay. This allows you to achieve the best purchasing costs and strengthen your liquidity and working capital.

Combining supply chain finance and cflox pay

Is your supply chain finance program not (yet) achieving the desired effects? Would you like to simplify processes and optimize your working capital without involving suppliers?

No IT-Integration No Supplier Involvement

cflox pay complements your existing supply chain finance programs in a targeted manner. While conventional SCF requires the involvement and negotiation with your suppliers, cflox pay enables the simple financing of additional payments – without complex integration or supplier onboarding. That's why customers use cflox pay for strategic A-suppliers who do not participate in reverse factoring, or in complex regions and currencies. Other customers offer suppliers early payment through SCF and benefit from additional payment terms through cflox pay.

Pre-shipment Finance

Are you looking for a pre-shipment financing solution for your suppliers so you can grow together?

Strong Supply Chains Optimized Purchasing Conditions

cflox pay enables supplier financing early in the process with pre-shipment finance. This allows you to provide financing before goods are received and stabilize the supply chain—without additional loans or complex contracts. Financing kicks in exactly where capital is tied up early on: in production, goods transport, and the procurement of critical components by your suppliers. This allows you to secure better purchasing conditions, avoid bottlenecks, and keep your supply chain flexible.

Combination of confirming and additional payment terms

Are you already using confirming and would like to extend your own payment terms – as a liability from goods and services?

Optimized Balance Sheet Structure Strong Supply Chains

Ensure efficient payment processing and the option of early payment for your suppliers. Our customers combine with cflox pay to extend payment terms in addition to without increasing financial liabilities. This allows existing programs at your bank to be optimally supplemented by cflox pay. A win-win for you and your suppliers.