Pay your business expenses today, repay next month. No account to open. No money to front.
A deferred-debit card. No account. No fund transfer. No new dashboard to monitor.
You don't need another account.
You need credit. Directly.
Pay with your Defacto card. Your current account stays untouched. You repay at month end, on the date you pick.
Your cash stays in your current account. No deposit, no provisioning. You get the card, you pay.
Up to €20,000 available. Eligibility assessed in seconds, fully online.
Monthly direct debit, on the date that works for you. No surprise, no hidden fees.
The Defacto card finances your day-to-day spend. Your business account stays intact.
Fill-ups, motorways, parking. The miles add up. Pressure on your account does not.
Cement, wood, hardware, spare parts. Buy what you need to move forward. The client pays later.
Lift platform, van, specialty tools. Rent what you need, repay next month.
Accounting, CRM, work tools. Your subscriptions run without dragging on your cash.
Wholesaler, market, supplier. Today's purchases don't wait for tomorrow's receipts.
Shipping, storage, packaging. Fulfil orders without fronting cash.
And everything else. If the terminal accepts cards, the Defacto card works.
The Defacto card is pure credit. No account to fund, no balance to top up. €19/month, all in.
Eligibility assessed online in seconds. No paperwork to send.
Virtual, ready to use. Works with every payment terminal.
Your purchases are financed by Defacto. Your cash stays intact. You repay the following month.
Pure credit, no account to open. Eligibility in seconds.
Test my eligibility