Fast invoice financing | Quicker, safer & easier than any factoring service

Factoring without the constraints. Invoice by invoice, no contract.

With Defacto, you finance the invoices you choose, when you need to. No full portfolio assignment, no long-term commitment, no notification to your clients. Eligibility assessed in 27 seconds, funds available immediately.

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Trusted & Funded +25K SMEs

Case study

Our solutions

YOUR CHALLENGE

Traditional factoring wasn’t designed for businesses with one-off cash needs.

Assigning your entire receivables portfolio, signing a framework agreement, paying monthly subscription fees, notifying your clients: these are constraints that don’t fit a punctual cash need. The result? You end up declining financing rather than accepting these terms.

Suppliers are waiting. You cannot meet your own payment deadlines.

Missed opportunities. A new contract comes up, but cash flow doesn’t keep up.

Growth slowed. Not from lack of orders, but from lack of liquidity.

OUR SOLUTION

A la carte factoring: you choose, you activate, you repay.

Upload the invoice you want to finance. Defacto assesses your file in 27 seconds and releases the funds via instant wire transfer. No factoring contract, no global portfolio assignment, no client notification. Repayment at invoice maturity, between 3 and 120 days.

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 SMEs choose Defacto

Invoice by invoice, without assigning your portfolio

You choose exactly which invoices to finance. No minimum usage, no framework contract. You keep full control over your client relationship: no notification is ever sent to your buyers.

No commitment, no subscription, no fixed fees

No monthly fee, no exit penalty. Pricing is daily, calculated automatically and displayed before you confirm. You activate financing only when you actually need it. Nothing more.

Up and running in under 2 minutes

No paperwork, no bank negotiation, no personal guarantee. You connect your accounting via DSP2, Defacto calculates your financing capacity in real time. Operational the same day.

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

Cover a one-off cash shortfall without relying on overdraft

Tight month-end, unexpected payment delay, tax liability to absorb: you finance the invoice that matches the exact need, without opening a permanent credit line.

Take on an exceptional order without locking up your cash

A key client places an unusually large order. Your cash is stretched. You advance existing receivables to release the liquidity needed for production, without waiting for them to be settled.

Pay your suppliers on time, even when clients take 60 days

Your suppliers expect payment in 30 days. Your clients take 60. Financing that gap invoice by invoice avoids late payment penalties and protects your supplier credit rating.