Your clients pay in 60 days. You need the funds now.
Finance your customer invoices on demand, invoice by invoice, with no portfolio assignment and no personal guarantee. You choose what you finance. Defacto releases the funds in seconds.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
You have delivered. Your clients take their time. Your cash flow waits.
Payment terms at 30, 60, or 90 days: during that time, you cannot reinvest, pay your own suppliers, or seize opportunities as they arise. Growth slows down, not from lack of orders, but from lack of liquidity at the right moment.
1
Suppliers are waiting. You cannot meet your own payment deadlines.
2
Missed opportunities. A new contract comes up, but cash flow doesn’t keep up.
3
Growth slowed. Not from lack of orders, but from lack of liquidity.
OUR SOLUTION
The right amount, available now, on the exact invoice.
Upload the customer invoices you want to finance. Defacto reviews your file in 27 seconds and releases the funds via instant transfer. You repay at the chosen maturity, between 3 and 120 days. No portfolio assignment, no long-term commitment.
Submit your invoices
Select the receivables you want to finance.
Analysis in 27 seconds
+150 indicators analyzed in real time. No personal guarantee required.
Instant transfer
Funds are available immediately in your account.
Repayment at maturity
Between 3 and 120 days. No long-term commitment.
Why SMEs choose Defacto
Invoice by invoice, not on your entire portfolio
You choose which invoices to finance. No global factoring contract, no minimum usage. You keep full control over your client relationships: your buyers are not notified and your commercial flows remain unchanged.
Clear pricing, no surprises
Daily pricing calculated automatically at activation. You see the exact cost before confirming. No hidden fees. Every euro financed is traceable and justifiable.
No subrogation, no side effects
Your clients pay as usual. Defacto does not intervene in the commercial relationship. No notification sent to your buyer.
You choose the invoice.
Defacto advances the funds.
1 | Upload the customer invoice
Upload the validated invoice to the platform. Eligibility checked in 27 seconds via secure accounting connection.
2 | Choose your duration
From 3 to 120 days depending on your cycle. You see the exact cost before confirming. No surprises.
3 | Funds arrive in your account. Immediately.
99.11% of transfers are instant. You have the liquidity on the same day, without waiting for your client to pay.
4 | You repay at maturity
One repayment line, one date. Accounting stays clean, traceable, audit-ready.
What it unlocks concretly
Reinvest without waiting for payment
You have delivered, the invoice is issued. You finance today to pay your suppliers, fund a hire, or absorb a peak in activity, without waiting 60 days.
Say yes to orders beyond your cash capacity
An opportunity arises but your cash flow is tight. You finance the existing invoice to free up the liquidity needed for the next order.
Reduce your DSO without changing your client terms
Your payment terms stay the same on the commercial side. You collect immediately. The impact on your working capital requirement is direct.
Frequently asked questions
Everything you need to know before you start.
What is the difference from traditional factoring?
Will my clients be notified?
Which invoices are eligible?
How much does it cost?
Is a personal guarantee required?
Is Defacto a serious lender?
Collect now. Wait later.
Check your eligibility in 2 minutes. No commitment, no paperwork.