Your business moves forward. Your cash flow needs to keep up.
Accounts receivable, supplier invoices, one-off cash need: Defacto finances exactly what you need, when you need it.
- No personal guarantee
- No paperwork
- No bank negotiation.
Trusted & Funded +20K SMEs
Our solutions
Accounts receivable financing
Your clients pay at 30, 60, 90 days. You get the funds now, invoice by invoice, with no portfolio assignment. Your buyers are not notified.
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Supplier invoice financing
Your suppliers set their terms. You finance the exact invoice to pay, Defacto settles the supplier or transfers the funds to your account depending on your choice.
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Treasury Flex
No invoice to upload. Up to €50,000, over 3 to 6 months, to spread a cash flow need in fixed monthly instalments.
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Why SMEs choose defacto
You choose what you finance
No portfolio assignment, no global commitment. You activate financing on the precise operation that needs it, for the exact duration you need.
You see the cost before confirming
Daily pricing calculated automatically at activation. No hidden fees. Every euro financed is traceable and justifiable.
A decision in 27 seconds, an instant transfer
+150 indicators analysed in real time. No back and forth, no paperwork. Funds arrive on the same day.
What it unlocks concretly
Say yes to orders without waiting for collections
An opportunity arises but your cash flow is busy elsewhere. You finance the invoice that is blocking you, you seize the order.
Pay your suppliers on their terms, not yours by default
Deposit, cash payment, tied discount: you have the funds available at the right time to decide without cash flow constraints.
Seize an opportunity without waiting
Supplier discount tied to fast payment, urgent order from a strategic client: you have the funds on the same day to say yes.
Frequently asked questions
Everything you need to know before you start.
Which solution fits my need?
Can I use more than one solution?
Will my suppliers and clients be notified?
Is a personal guarantee required?
How much does it cost?
Is Defacto a serious lender?
The right amount, at the right time, for the right operation.
Check your eligibility in 2 minutes. No commitment, no paperwork.