How it works | Defacto flexible financing

Finance precisely, exactly when you need it

27 seconds to discover your capacity. Instant wire transfer. Built for SMBs that stay in control.

Check my eligibility

Your transfer is on its way

Your payment is coming soon, handled by Defacto.

Trusted & Funded +20K SMEs

Case study

The right financing for your business, in a few steps

A secure bank connection, a guided process, an instant answer.

Step 1

setup, one time only

Connect your bank

97 indicators analyzed in 27 seconds

Step 2

setup, one time only

Create your account online

Choose the product that fits your need and complete onboarding in a few clicks.

Step 3

each invoice, 2 clicks

Activate on demand

At the right time, when you need it - instant wire transfer.

Step 4

each invoice, 2 clicks

Repay on your schedule

From 3 days to 6 months, you choose your repayment timeline

It shouldn’t take weeks to access critical capital

Here’s how we’ve redesigned the lending process to be as hassle-free and fast as possible.

1

Check your eligibility instantly

No paperwork, just 2 clicks to link your banking apps.

2

Accept transparent terms

In 27 seconds discover your loan capacity with pricing on average 0.05% per day. No additional fees.

3

Upload invoice to pay

Immediately upon accepting conditions, start leveraging your working capital.

4

Reimburse and renew as you need

Request new advances & repay in one go between 0 to 120 days.

How to leverage Defacto to optimize your cash flow

Every business faces moments when extra working capital is needed. Here's how Defacto’s invoice financing can enhance cash flow management and support growth.

Cover your clients’ payment terms

Absorb long payment delays and improve your cash flow without disrupting your relationships with customers.

Finance stock or growth opportunities

Secure the resources you need to grow your business by financing your inventory or production cycles.

Negotiate discounts with suppliers

Leverage immediate financing to negotiate early payment discounts with your suppliers and ultimately reduce costs.

Transparent, flexible pricing

At Defacto, we prioritize fairness and flexibility, ensuring that every business can say in control of their costs with ease and confidence.

No hidden fees

What you see is what you get. Our pricing is transparent, with no platform fees or surprises.

Flexible, daily pricing

Use as much or as little of your lending capacity as needed, and pay only for the duration of the financing used.

Competitive, upfront rates

Using your latest financial data through APIs, we tailor rates based on your current eligibility, providing real-time rates between 0.05-0.08% per day.

Transparent flexible pricing with Defacto

The right financing for
every situation

Invoice to finance, supplier to pay, inventory to build: choose, activate, repay.

ACPR licensed

GDPR Compliant

4.5/5 on Google

Purchase order financing

Order confirmed but funds not yet available? Get the cash needed for production, repay us upon delivery, without tying up your credit line.

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Accounts receivable

Turn your invoices into immediate cash. Instead of waiting 30, 60 or 90 days, get paid today.

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Supply chain financing

Pay your suppliers today, repay over up to 4 months. Protect your cash flow without holding back your purchases.

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Cash flow financing

Fast access to cash to smooth out your activity, seize an opportunity, or bridge a timing gap.

Learn more

Credit card

A corporate credit card for your business expenses, with a credit line calibrated on your actual activity.

Finance precisely, exactly when you need it