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C2FO Powers Early Payment Programs for the World’s Largest Companies.

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Resources | Customer Success | May 8, 2023


C2FO HELPS FUEL HEALTHY, RISK-FREE GROWTH FOR HUMINERAL

The wellness brand taps into low-cost, convenient cash flow to grow its
business.

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WHAT IS HUMINERAL?

From its headquarters in California, HUmineral produces a line of health
products designed to boost the immune system, promote healthy aging and support
cognition, said Candice Nicole, the company’s president and founder. You can
find them in large and small retail outlets, specialty stores, pharmacies and
high-end spas (such as the Agua Caliente Resort and Spas in Palm Desert, CA) and
internationally. 

“My personal goal when I started was I wanted to be in every household, in every
kitchen cabinet, in every bathroom cabinet,” Nicole said, “and that is still my
goal.”


HUMINERAL’S CHALLENGE

Most of HUmineral’s income arrives via credit card payments, but 10% to 15%
comes from large retailers that have payment terms as long as 60 days. 

That’s a long time for a small business to have so much tied up in receivables.
Nicole needed a better way to speed up those payments, boosting HUmineral’s cash
flow and funding business growth.


WHY HUMINERAL CHOSE C2FO

One of HUmineral’s biggest clients invited Nicole to use C2FO, the
industry-leading platform for working capital, as a way to receive early
payment. 

Here’s how C2FO works: Large enterprises identify which invoices they might be
willing to pay early and load them onto C2FO’s platform. 

Their suppliers are then notified and invited to log in to the platform, where
they can select the invoices they want paid early. The suppliers must offer a
small discount in exchange for expedited payment. 

C2FO’s platform sorts through thousands of such offers to find the ones that
match the enterprise’s desired level of discount. The winners are then paid
within days.


HOW C2FO HELPED HUMINERAL


FASTER PAYMENT FOR A REASONABLE FEE

C2FO allows HUmineral to be paid on its largest receivables faster. These are
invoices worth anywhere from $10,000 to $30,000. Instead of waiting two months
to get paid, Nicole can agree to a small discount and bring those funds in-house
within days.  

The cost of the discount is “just so minimal, it’s just almost unreal,” she
said. 

Using C2FO also has allowed HUmineral to avoid borrowing money from traditional
lenders, which would charge far more in interest and fees. 


MORE MONEY FOR MARKETING AND GROWING THE BUSINESS

HUmineral has been able to make bigger investments in marketing because it knows
that it can tap into its unpaid receivables when necessary, thanks to C2FO. 

That has allowed Nicole to hire a new marketing firm and pay for trade show
sponsorships — moves she might not have made before. 

“Having C2FO has really factored into a lot of the way we do business and what
we are doing in terms of our shows and our marketing,” Nicole said.


EASE OF USE AND FLEXIBILITY 

Nicole raves about how simple using C2FO is. “It’s like, poof, clicking my
fingers,” she said. “It’s so easy.”

That extends beyond the platform to the team that supports it. Whenever Nicole
has a question or a problem, she can reach out to her contact at C2FO. 

“And literally within five minutes, he’s responded,” she said. “It’s handled.
It’s done.” 


THE RESULTS

For Nicole, C2FO has delivered the best of both worlds to HUmineral. Her company
has found the funding it needs to keep growing — without having to seek help
from banks and other traditional lenders.

“I don’t really like to borrow money,” Nicole said. “I like to grow organically,
and it’s been a blessing that we have been able to do that.”


TAKE CONTROL OF YOUR CASH FLOW WITH C2FO

Tired of waiting 60 or even 90 days to get paid? Learn how C2FO accelerates
payment on outstanding receivables.

Success Snapshot


HUMINERAL

The wellness brand uses C2FO’s platform to request early payment on some of its
largest invoices.

Case Study PDF


WHY C2FO?

With C2FO, HUmineral receives client payments in days, supercharging its cash
flow and allowing it to invest in business growth.

Jump to:

 * HUmineral's challenge
 * Why HUmineral chose C2FO
 * How C2FO helped HUmineral
 * The results


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On-Demand Capital for Every Business
 * Supplier Solutions
 * Early Pay
 * Invoice Central
 * Lending
 * CashFlow+ Card

 * Enterprise Buyer Solutions
 * Dynamic Supplier Finance
 * Supplier ESG & DEI Programs
 * Case Studies

 * Resources
 * Blog Articles
 * Case Studies
 * Inflation Calculator

 * Company
 * Leadership
 * Partners
 * Careers
 * Newsroom

 * Contact Us
 * Email
 * 866.463.6565
 * Global Support Numbers

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69

World-Class Global Support

C2FO has a best-in-class NPS of 69, determined by customer feedback. We are
committed to being the best working capital option to our customers as we look
for ways to better serve them every day.

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