Instant cash advance with Qonto x Defacto

Grow at your speed through short-term flexible financing

Start now
Deferred payments of your payables
Early cash-in of receivables
Deferred debit cards

Finance your treasury needs with your Qonto account

short-term and ultra-flexible financing. Unlock your growth & solve your working capital needs
Lending in seconds
no documents to send, real-time eligibility
your first financing in a few clicks
flexibility where it counts
Nothing left to do, the reimbursement is automated
How ?

Activate financing through Qonto now

Discover how to activate your financing capacity, in seconds
Test your eligibility

Credit analysis and answer in seconds, from your Qonto account

Finance your invoice

Set up the financing in a few clicks: choose the amount, the repayment date and go!

Automated repayments

Nothing left to do, the reimbursement is automated

"Defacto allowed us to finance the extension of customer payment terms in an agile and flexible manner. We gained cash flow flexibility thanks to the rapid arrival of funds, after an invoice submission in a few clicks."
Irina Delecroix

Irina Delecroix

Project Manager