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blog
the defacto blog
Discover insightful resources—customer stories, articles, guides,
webinars and more to help you accelerate your growth with financing!
The very latest
Defacto updates
We’ve upgraded our Direct Lending Dashboard
Introducing our Dashboard 2.0 with a slick new UI, dedicated repayments page, streamlined loan requests and more!
July 17, 2024
2 min
Future of finance
Lending-as-a-service (LaaS): How to use white label lending
Explore our complete guide to evaluating lending-as-a-service providers and uncover the benefits of embedded finance.
May 29, 2024
6 min
our articles
All articles
Inside Defacto
Future of finance
Defacto updates
AI & Automation
Case studies
Financing 101
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Financing 101
Reverse factoring: a simple guide for SMBs
Definition, operation, advantages, disadvantages: everything you need to know about reverse factoring, a lever for optimising your cash flow.
July 24, 2024
4 min
No items found.
Financing 101
Working capital line of credit: definition, advantages and how to access
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.
July 22, 2024
4 mins
No items found.
Defacto updates
We’ve upgraded our Direct Lending Dashboard
Introducing our Dashboard 2.0 with a slick new UI, dedicated repayments page, streamlined loan requests and more!
July 17, 2024
2 min
No items found.
Future of finance
Democratizing lending through innovation
The landscape of asset based financing (ABL) and short-term financing has undergone a significant evolution in recent years.
June 27, 2024
3 min
No items found.
Financing 101
Bridging loans: How to use bridge finance to survive & thrive
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.
June 26, 2024
4 min
No items found.
Financing 101
Small business cash flow loans: how to get fast funding
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.
June 18, 2024
4 min
No items found.
Future of finance
Stifled growth: the funding challenges facing French SMBs
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.
June 16, 2024
4 min
No items found.
Financing 101
How to navigate post-pandemic financial challenges and optimise cash flow
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.
June 17, 2024
3 min
No items found.
Financing 101
How to optimise your cash conversion cycle (CCC) for growth
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.
June 12, 2024
4 min
No items found.
Future of finance
AI in lending: How artificial intelligence opens the door for SMBs
AI is transforming lending services. Read the many upgrades it provides for lenders and borrowers, and the limits to keep in mind.
June 5, 2024
6 min
No items found.
Financing 101
Negative working capital: definition, interpretation and advantages
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.
June 3, 2024
4 min
No items found.
Case studies
Strategic financing: How Bellota-Bellota fuels international growth with Defacto
Hear how Mickaël at Bellota-Bellota leverages short-term financing as a strategic lever to optimise his working capital for more than 700 SKUs.
May 31, 2024
No items found.
Financing 101
Inventory financing: a practical guide for smart SMBs
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.
May 21, 2024
5 min
No items found.
Future of finance
Lending-as-a-service (LaaS): How to use white label lending
Explore our complete guide to evaluating lending-as-a-service providers and uncover the benefits of embedded finance.
May 29, 2024
6 min
Financing 101
Financing 101
Seasonal business financing: 5 cash flow factors for short-term campaigns
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.
May 22, 2024
5 min
No items found.
Financing 101
How to build a financing dossier: the business loan documents you need
See the documents and business plan required for a successful loan application, and secure the funds to finance all your business projects.
May 15, 2024
4 min
No items found.
Financing 101
Working capital optimization: How to master the cash conversion cycle
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.
May 14, 2024
5 min
No items found.
Financing 101
Why working capital management is critical to prepare SMBs for the Paris Olympics
Hear how Paris business owners are leveraging short-term financing to gear up for the 2024 Olympics.
June 12, 2024
5 min
No items found.
Financing 101
Cash flow forecast: How (& why) to build an effective SMB cash plan
A cash flow forecast gives you greater control over your business. But you need to know how to build one, depending on your objectives.
May 6, 2024
5 min
No items found.
Financing 101
Early payment discounts: How to optimise cash flow with smarter purchasing
Learn all about early payment discounts, and how you can take advantage of their to optimise working capital requirements and improve your cash flow!
May 2, 2024
4 min
No items found.
Financing 101
How much does invoice factoring cost for SMBs?
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.
April 29, 2024
5 min
No items found.
Financing 101
Non-dilutive financing: 5 interesting choices for SMBs
Discover 5 non-dilutive financing solutions to support your company’s growth without reducing your ownership stake.
April 25, 2024
4 min
No items found.
Financing 101
Working capital requirement (WCR): definition, calculation and management
Working capital can be a real challenge for SMB financial management. Learn how to calculate, optimise and finance it.
April 22, 2024
5 min
No items found.
Financing 101
How smart SMBs use working capital loans to fund growth
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.
April 17, 2024
6 mins
Case studies
Financing 101
4 short-term financing options for SMBs
Looking for short-term financing to cover working capital shortfalls or to jump at an exciting investment opportunity? Here are interesting solutions for SMBs.
April 15, 2024
4 mins
No items found.
Future of finance
6 bank technology trends driving change in 2024
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.
April 18, 2024
5 min
AI & Automation
Financing 101
Supplier relationship management: How to optimise cash flow & maintain relationships
Want to build strong, long-lasting relationships with your vendors? Here's your guide to effective supplier relationship management.
April 9, 2024
5 min
No items found.
Defacto updates
April Digest | Navigating the waves of change: the ECB's interest rate strategy amidst inflation
April 10, 2024
3
Inside Defacto
Defacto updates
We believe Fintech should get regulated, and we’re the first B2B lending fintech to do so
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.
March 19, 2024
2 min
Future of finance
Inside Defacto
Case studies
How Selency improved WCR by 15 days thanks to Defacto supplier financing
Explore Defacto: Your go-to for transparent, speedy financial partner, guaranteeing financial stability and effectiveness. Streamline your cash flow financing effortlessly. Experience Defacto today!
March 6, 2024
3 min
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Case studies
How terramica strengthens supplier relationships with working capital financing
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.
March 1, 2024
2 min
No items found.
Financing 101
Online Factoring: Financing in seconds with Defacto
Discover online financing with Defacto: Get financing in 27 seconds for your business by using your supplier and customer invoices.
February 1, 2024
3 min
No items found.
Financing 101
Factoring and Dailly: what are the differences?
Discover the differences between factoring and Dailly to understand which solution is most suitable for your business
February 19, 2024
3 min
No items found.
Financing 101
Factoring: the advantages and disadvantages for SMBs
Discover how factoring can boost your business. Explore its benefits for financial management and stimulated growth.
February 12, 2024
5 min
No items found.
Case studies
How Akolads grows at full speed thanks to Defacto’s flexible financing
Testimonial from Emmanuel, founder of Akolads agency: "Without Defacto, I would be forced to turn away clients and significantly reduce my growth."
January 4, 2024
3 min
No items found.
Case studies
How Allocab increased funding capacity by 30% with Defacto’s flexible financing
"There are 3 major advantages: ultra flexibility, scoring method, and speed of implementation."
February 6, 2024
3min
No items found.
Financing 101
6 financing levers for your business
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.
February 1, 2024
3 min
No items found.
featured section
Explore our Featured Press Releases for a firsthand look into our company's latest developments.
Lean scaling: a playbook from Defacto’s startup journey
May 29, 2024
Defacto gets new credit facility to provide instant financing to small companies
October 17, 2023
Paris Is Trying to Steal the UK’s Fintech Crown
October 17, 2023
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