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.
Trusted & Funded +20K SMEs
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.
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.
Cash flow for you,
guaranteed flexibility.
Cover your cash flow needs, secure strategic contracts, extend your payment terms, and reassure your suppliers — with our flexible financing.
Why small businesses like MyCater 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.
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.
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.
Financing that adapts to your pace, not the other way around
STOP WAITING. START GROWING.
Financing that grows with you
A personalized offer based on your real-time data, evolving with our relationship and your growth.
Take back control of your cash flow
Keep control of your cash flow and choose exactly what you finance, with reduced fees for early repayment.
Stop wasting time
Instant transfers and a fully online process to manage your cash flow.
The right financing for your business, in a few steps
A secure bank connection, a guided process, an instant answer.
Check your eligibility
Connect your existing tools (bank account, accounting software, invoicing). Defacto analyses your financing capacity in real time and gives you an immediate answer.
Create your account
Accept our terms and get access to your personal lending dashboard.
Use your financing
Draw on your capacity by submitting customer receivables,
supplier invoices or requesting a treasury advance
Choose your repayment terms
Repay your way: one shot or instalments, up to 120 days for invoices and 6 months for treasury advances.
Join the 20,000+ companies
that are managing their growth with Defacto.
Whether it’s for your payments, inventory, or cash flow, our financing solutions help you move forward with confidence.