C2FO is a financial technology company and the creator of the first market for working capital. C2FO operates the C2FO working capital market for companies of all sizes around the world. C2FO is the only working capital exchange that allows companies to "Name your own rate" to improve cash flow and to increase profit. The company was founded in January 2008 by Alexander ‘Sandy’ Kemper, former CEO of UMB Financial Corporation. C2FO was previously known as Pollenware.