A modern and chic cafe.
AR financing

accounts receivable financing for SMBs

Get fast financing against unpaid customer invoices. Fund new growth projects and access supplier discounts while keeping your customers happy for the long term. 
Powering the next generation of small businesses
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Your challenge

Sales in the books, but not cash in the bank

Customers love your flexible payment terms, and business is good. But until the cash reaches your account, you don’t have the capital you need to invest in new growth. 
Our solution

Adaptable AR financing 

Defacto gives you credit to spend today, using your unpaid invoices as collateral. The process is simple, and delivers quick cash to meet your precise business needs.
real impact, really fast
Upway grows sales by 20% thanks to financing with Defacto.
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Why small businesses love Defacto

Flexible financing without fail
Borrow as and when you need funds. You’re pre-approved up to your credit limit, and can borrow against new invoices whenever you need to. 
Faster and fairer than factoring
Don’t wait months for the credit you need today. Create your account in 27 seconds, and upload your first receivables right away.
Straightforward terms
Manage your credit based on business needs. No minimums, no fixed charges, and no surprises hiding in the fine print.
Helpful, accessible service
Customer queries are priority zero for us. Every common issue is easily solved without a phone call, but the whole team is here for you just in case. 
Tailored lending

Hand-pick the receivables to include

We won’t ask for your whole portfolio of invoices. Instead, you choose the receivables you want financed, and you’ll receive the credit to match.
How it works

AR financing with Defacto is quick and easy.

Only 27 seconds from quote to cash.
Number one
Connect your bank and fintech tools
Number two
Get instant financing eligibility
Number three.
Request lending against your capacity
Number four.
Receive automatic confirmation of payment

Join the 7,000+ businesses owning their growth with Defacto

Get started
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