Your clients sign. They pay in 60 days. You advance everything upfront.
Accounts receivable financing on demand, invoice by invoice, with no portfolio assignment. Your clients are not notified, your commercial relationships stay intact.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
You deliver the work. You wait for payment. Your cash flow does the splits.
Agencies invoice at project completion or delivery. Clients pay at 30, 60, sometimes 90 days. In between: salaries to pay, freelancers to compensate, new projects to start. The gap between collections and operating costs is structural in your sector. It limits your ability to say yes to the right projects.
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
Collect your invoices at delivery. Wait for your client to pay later.
Upload the validated invoice to the platform. Defacto reviews your file in 27 seconds and transfers the funds immediately to your account. You repay at the chosen maturity, between 3 and 120 days. Your clients pay as usual.
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 agencies choose Defacto
Invoice by invoice, with no portfolio commitment
You choose which invoices to finance. No global contract, no minimum usage. You keep full control over every decision.
Your clients do not know, your relationships stay intact
No subrogation, no notification. Your client pays as usual. Defacto does not intervene in the commercial relationship.
Clear pricing before you confirm
Daily pricing calculated automatically. You see the exact cost before accepting. No hidden fees. Every euro financed is justifiable.
What it unlocks concretly
Start the next project without waiting for payment on the last one
Your client has not yet settled the last invoice but a new project is starting. You finance the existing receivable to free up the cash needed.
Pay your freelancers and subcontractors on time
Your contractors do not work on the same timelines as your clients. Defacto lets you honour your commitments without depending on your clients' payment schedule.
Respond to large-account tenders without cash flow constraints
Major projects require immediate resources for distant settlements. You finance the cash advance needed to say yes without risk.
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?
Finance your cycle. Stop enduring it.
Check your eligibility in 2 minutes. No commitment, no paperwork.