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.
Trusted & Funded +20K SMEs
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.
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.
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 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.
Extend receivables
Leverage flexible financing to confidently take on bigger clients while keeping enough cash on hand to run and grow your business.
Improve supplier relations
Get instant access to working capital to cover inventory, production costs, or unpaid invoices so you’re ready when opportunity knocks.
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.