Table of content
Defacto leads in instant, short-term, 100% flexible financing, with two key services:

-Client Financing: faster invoice payments
- Supplier Financing: funding for suppliers/service providers

Emmanuel Bismuth, founder, Akolads
Mathieu Galvani
December 27, 2023
3 min
Without Defacto, I would be forced to turn away clients and significantly reduce my growth.
Emmanuel Bismuth

Akolads, what is it?

Akolads is an SEO and SEA referencing agency that was founded in 2018.Since then, the company has experienced an organic growth of 30% each year.

How do you manage the Finance part?

We hired an office manager to take care of the financial part.For managing quotes, invoices, and CRM, we use Sellsy, and RocketChart for cash flow monitoring. And we have opened an account with Qonto.

What challenges did you want to solve by accessing short-term financing?

At Qonto, we do not have an authorized overdraft. However, with the growth of recent years, we sometimes have discrepancies between our inflows and outflows.It should also be noted that we have clients who pay us in 45 or even 60 days. At the same time, we have to pay our suppliers within 30 days and our employees at the end of the month.This complicates our cash flow management and our working capital requirements increase every year. Thanks to short-term financing, we can finance our needs by accessing financing for our invoices through Defacto.

How does Defacto support you and what interests do you see as the founder of an agency?

As the founder of an agency, having an available cash flow line is a key factor for success.Without Defacto, I would be forced to refuse clients and greatly reduce my growth. Because growth needs to be financed. Thanks to Defacto, my growth continues and I can pay my employees on time.

Do you use other financing solutions?

I am 100% self-funded. In the past, I used Mansa for short-term business loans, but the solution is not currently available.

What major advantages do you see in using Defacto short-term financing?

Having an available cash flow line at any time with just a few clicks is a breath of fresh air.My company does not go into debt because I only request financing for invoices awaiting payment.‍‍

Thank you Emmanuel for your feedback and trust!

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