Forward-thinking partners growing faster with Defacto

Faster processes

Say goodbye to complex files and long factoring delays

With Defacto, you can access a quick and simple one-off financing solution, without having to go through a traditional factoring company.

Our solution

Fast invoice financing for modern SMBs

Financing in 27 seconds on average with no commitment, and no subscription. 100% automatic processing and onboarding keeps you in control, working at your speed.

Real impact, Really fast

Upway grows sales by 20% thanks to financing with Defacto.

Why small businesses love Defacto

Move fast; don't break things

Why wait weeks for invoice factoring? Set up in seconds, and receive funds right away. And you can refinance any time, just as quickly.

Choose A fairer form of factoring

Most factoring agreements make you sign over all your invoide. With Defacto, you choose the exact payables or receivables you want to include.

Repay when it suits you best

Flexible repayment terms give you up to 120 days to repay, with no fixed date or full amount required. Tap back into your credit line any time you need it.

Service with a smile

Small business success is our number one goal. Most problems can be solved autonomously, but we're here whenever you need us.

Tailored lending

Select the invoices to finance

Get credit tailored to your specific needs. Submit the unpaid receivables and payables you'd like financed, and we provide the funds.

Invoice financing is quick and easy.

Only 27 seconds from quote to cash.

Instant eligibility

No forms required. Link your banking apps in just two clicks.

Clear, upfront offer

See how much you can borrow with average rates of 0.05% daily. No hidden charges.

Fund invoices right away

Once you agree to the terms, you can immediately unlock working capital.

Tap in and top up

Advance more funds or repay any time within 0 to 120 days — all in a single step.

Join the 12,000+ businesses owning their growth with Defacto

Get started