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.
"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."
"In a highly international and fast-growing retail environment, cflox enabled a fast and straightforward implementation that fits our operational pace."
"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."
Industry Insights
Supplier structures and financing requirements are unique. We have established over 180 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.
Our Financing Partners
We collaborate with a network of selected international corporate banking partners to enable attractive long-term programs.
cflox has been awarded the “Payments Innovation of the Year” Award for its innovative approach to working capital optimization and supply chain finance. The award recognizes cflox’ mission to simplify liquidity management for international treasury teams through scalable and implementation-light solutions.
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.
Many companies invest heavily in improving their cash flow forecasts—but in doing so, they overlook the crucial issue: If you can only predict your cash flow, you’ve only done half the work.
Nordic CFOs know exactly where capital is trapped — unlocking it is another story. cflox pay gives Treasury an autonomous lever to extend payment terms by 60+ days, without supplier onboarding, without balance sheet impact. Liquidity at the push of a button.
The way companies manage working capital is currently undergoing a fundamental transformation. In Europe, there is much to learn from the Nordcis, explains Matthias Ihme, Head of Sales at the payment institution cflox.
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