Defacto gave us the flexibility to take on bigger clients with confidence. Quick approvals and clear terms meant we could focus on growing our agency without stressing about cash flow."
Oh sh*t! Big client, tight cash flow?
Defacto provides fast, flexible financing in just 2 clicks—so you can seize opportunities and handle the unexpected.
Powering the next generation of small businesses
Your challenge
Slow & inaccessible working capital
Lengthy applications and rigid terms make it nearly impossible for SMBs to access the cash they need quickly to keep their business moving forward.
Our solution
Hassle-free, instant financing
Defacto transforms unpaid invoices into cash today. Get fast, hassle-free access to funds to bridge gaps, invest in growth, and stay ahead of your financial needs.
We’ve got the working capital to back you up
From covering cash flow gaps to closing big deals, our flexible financing is tailored for SMBs.
Invoice financing
scale up without cash flow worries
Grow your business and take on bigger clients with flexible financing that fuels your ambitions—without tying up your cash flow.
Stock financing
finance your stock with extended terms
Secure flexible financing to purchase essential inventory, stay ahead of supply chain disruptions, and keep your sales running smoothly.
Why small businesses like Klimb love Defacto
Fast & straightforward onboarding
Eligibility calculated in seconds, without paperwork or back-and-forth delays.
A seamless, embedded experience
Financing available directly within the tools you already use, with no extra admin.
Simple, transparent terms
Clear, upfront terms with no hidden costs, giving you full control of repayments.
Swift, helpful service
Self-serve simplicity with expert support always within reach.
How it works
Invoice financing as simple as can be
Quick, streamlined, and designed to get you funded fast.
Connect your bank to instantly check eligibility.
Accept clear & transparent terms.
Upload an invoice to unlock your financing.
Reimburse and renew as you need.