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Defacto has helped me land contracts with major companies by taking over their internal payment processes."
When growth calls, do you have the working capital to answer?
Defacto’s got you. 2 clicks. Instant financing. To cover everything from inventory to client invoices.
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.
Accounts receivable financing
scale up without cash flow worries
Expand your client base or scale operations with financing that supports your ambitions without straining your working capital.
Stock financing
finance your stock with extended terms
Get instant access to working capital to cover inventory, production costs, or unpaid invoices—so you’re ready when opportunity knocks.
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.
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.