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."
Your financing ally for all your "Oh Sh*t" moments
From the unexpected to the ambitious, Defacto has your back. Inventory, major clients, or extended terms—we’re just two clicks away for instant financing.
Powering the next generation of small businesses
Your challenge
Financing that’s slow & inaccessible
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
Short-term lending without the wait
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
extend receivables
Leverage flexible financing to confidently take on bigger clients while keeping enough cash on hand to run and grow your business.
Supplier financing
improve supplier relations
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 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.