Forward-thinking partners growing faster with Defacto

Your challenge

You need to spend money to make money

Purchasing stock ties up precious working capital. You may be forced to choose between building inventory and developing new products, or even paying urgent bills.

Our solution

Inventory financing for SMBs

Defacto gives you near-instant credit based on your unpaid supplier invoices. Get funding against your outstanding accounts payable, and put your working capital to best use.

Real impact, Really fast

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

En accédant à une ligne de crédit instantanée, Upway a pu anticiper ses approvisionnements et maintenir sa croissance sans tension de trésorerie.

Why small businesses love Defacto

Financing built just for SMBs

You need flexible funding, fast. Open a credit line in seconds, to use as and when the circumstances arise.

The fastest financing you’ll find

Don’t wait months for the credit you need today. It only takes 27 seconds to check eligibility and create your credit line.

Simple terms

Use funds however suits your business. No minimums, no fixed charges, and no surprises hiding in the fine print.

Friendly, reliable service

You won’t need any help getting started or solving common issues. But just in case, we’re always here to help.

Tailored lending

You choose the invoices to include

Your funding should match the exact stock you’re buying. Simply upload the invoices you need to pay, and you’ll get the credit to match. Refinance or return to your credit line any time you need.

Simple financing tools for brokers

A smooth setup for premium client services.

Instant eligibility

Check client eligibility in under 30 seconds.

One-click invites

Share a link with clients, and Defacto handles the rest.

Real-time tracking

Monitor financing and commissions across your portfolio.

Zero friction

No files, no paperwork, and no ongoing maintenance.

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

Get started