the defacto blog

Definition, operation, advantages, disadvantages: everything you need to know about reverse factoring, a lever for optimising your cash flow.

A credit line is a simple form of financing for SMBs to fund their working capital requirements. We explain how and when you can access and use it.

Introducing our Dashboard 2.0 with a slick new UI, dedicated repayments page, streamlined loan requests and more!

The landscape of asset based financing (ABL) and short-term financing has undergone a significant evolution in recent years.

Bridging loans lets companies bridge the gap between investment rounds or during downturns. Find out how they work, and the best options for modern small businesses.

Small businesses often suffer from cash issues, but these don't need to be fatal. Learn how cash flow loans work, and how to use them to survive and grow.

Small businesses have been left behind by slow lending and regulatory progress. Here's how we can fix that and help the under-served SMBs.

From the Covid crisis to the war in Ukraine, European businesses have faced ongoing challenges in recent years. Here's how to navigate these and ensure success.

What is the cash conversion cycle (CCC)? How can you optimise it and use it as a lever for your sales strategy? Read on to learn more.

AI is transforming lending services. Read the many upgrades it provides for lenders and borrowers, and the limits to keep in mind.

What is negative working capital, and why is it surprisingly positive to help your business grow and thrive? We explain it all in this article.

Hear how Mickaël at Bellota-Bellota leverages short-term financing as a strategic lever to optimise his working capital for more than 700 SKUs.

Why, when and how should you use inventory financing? We take a closer look at the concept, the situations where it can help, and the short-term credit options available.

Explore our complete guide to evaluating lending-as-a-service providers and uncover the benefits of embedded finance.

Does your business have unexpected or seasonal cash flow needs? Here are 5 essential points to ensure financing doesn’t become an issue in peak or slow periods.

See the documents and business plan required for a successful loan application, and secure the funds to finance all your business projects.

Optimizing working capital and cash flow is an essential step in growing a successful small business. Learn the 5 key considerations for healthy company cash flow.

Hear how Paris business owners are leveraging short-term financing to gear up for the 2024 Olympics.

A cash flow forecast gives you greater control over your business. But you need to know how to build one, depending on your objectives.

Learn all about early payment discounts, and how you can take advantage of their to optimise working capital requirements and improve your cash flow!

The cost of factoring is worth looking into, so that you know how to estimate and optimise it item by item: management commission, financing commission, administration fees, etc.

Discover 5 non-dilutive financing solutions to support your company’s growth without reducing your ownership stake.

Working capital can be a real challenge for SMB financial management. Learn how to calculate, optimise and finance it.

Working capital loans help you pay suppliers on time and finance growth, even before you've been paid by customers. Read how four smart SMBs use this powerful tool.

Looking for short-term financing to cover working capital shortfalls or to jump at an exciting investment opportunity? Here are interesting solutions for SMBs.

What are the key banking tech trends to watch for in 2024 and beyond? Defacto President Jordane Giuly breaks down 6 of the most pressing and intriguing shifts underway.

Want to build strong, long-lasting relationships with your vendors? Here's your guide to effective supplier relationship management.

Defacto reinforces it's commitment to risk management and compliance as the first B2B lending fintech to be licensed as a 'Société de financement' by the ACPR. Learn how our AI and compliance-first approach benefits partners, borrowers, and the fintech landscape.

Explore Defacto: Your go-to for transparent, speedy financial partner, guaranteeing financial stability and effectiveness. Streamline your cash flow financing effortlessly. Experience Defacto today!

What sets Defacto apart is primarily the simplicity and flexibility of their platform. The ability for early repayments and flexibility in the duration of financing are major assets that allow us to effectively manage our cash flow and optimize our daily operations.

Discover online financing with Defacto: Get financing in 27 seconds for your business by using your supplier and customer invoices.

Discover the differences between factoring and Dailly to understand which solution is most suitable for your business

Discover how factoring can boost your business. Explore its benefits for financial management and stimulated growth.

Testimonial from Emmanuel, founder of Akolads agency: "Without Defacto, I would be forced to turn away clients and significantly reduce my growth."

"There are 3 major advantages: ultra flexibility, scoring method, and speed of implementation."

Explore comprehensive financing options for your business. From love money and grants to honor loans and crowdfunding, learn how to fund your startup, manage working capital, invest in growth, and navigate the roles of banks, fintechs, business angels, and investment funds. Your journey to successful business financing starts here.