Trusted & Funded +25K SMEs
Our solutions
YOUR CHALLENGE
Strategic orders meet cash flow issues
DTIB resourcing is of urgent importance. You need to produce faster, often with working capital not covered by traditional channels.
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
Instant financing for DTIB companies
Customer invoices and supplier advances create long cash flow cycles. Defacto releases the funds you need, without friction or banking delays.
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 DTIB SMBs choose Defacto
Financing to meet industrial deadlines
No long cycles, inspections, or delivery in lump sums. Our repayment terms adapt to your realities on the ground.
Pay suppliers without dipping into savings
Finance your strategic supplies without tying up your investment capacity.
Zero friction, 100% BITD compatible
No paper files, no slow banking circuits. Connect directly to your management tools, and sign up in 30 seconds.
You choose the invoice.
Defacto advances the funds.
1 | Upload the invoice to finance
Supplier invoice or customer invoice depending on your current need. Eligibility checked in 27 seconds via secure accounting connection.
2 | Choose your duration
From 3 to 120 days depending on your rotation cycle. You see the exact cost before confirming. No surprises.
3 | Funds are released. Immediately.
99.11% of transfers are instant. Direct payment to supplier or transfer to your account depending on your choice.
4 | You repay at maturity
One repayment line, one date. Accounting stays clean, traceable, audit-ready.
What it unlocks concretly
Build your seasonal stock without tying up your cash
The supplier order needs to go out now to be delivered before the season. You finance the purchase today, you repay when sales come in.
Capture supplier early payment discounts
Your supplier offers a discount tied to immediate payment. You finance over 60 days. The cost of financing is lower than the discount obtained.
Collect your B2B receivables without waiting
Your business clients pay in 30 or 60 days. You finance the issued invoice to reinvest immediately in the next stock run, without waiting for collection.
Frequently asked questions
Everything you need to know before you start.
What is the difference from a bank credit line?
Can we finance both supplier invoices and customer invoices?
Will my suppliers and clients be notified?
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.