Pay your suppliers today. Repay when you collect.
Finance your supplier invoices on demand, with no personal guarantee and no bank negotiation. You choose the invoices, Defacto releases the funds in seconds.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
Your suppliers set the terms. Your cash flow takes the hit.
Short payment windows, upfront deposits, discounts tied to cash payment: suppliers make the rules. When your cash flow cannot keep up, you lose advantageous terms, delay orders, or tie up cash you need elsewhere.
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
The right amount, paid at the right time, on the exact invoice.
Upload the supplier invoice to finance. Defacto reviews your file in 27 seconds and releases the funds via instant transfer. You repay at the chosen maturity, between 3 and 120 days. No credit line to negotiate, no long-term commitment.
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, not on a vague credit envelope
You finance exactly what you need: one precise invoice, a defined amount, a clear maturity. No over-financing, no under-financing.
Clear pricing, no surprises
Daily pricing calculated automatically at activation. No hidden fees. Every euro financed is traceable and justifiable.
You choose how to pay your supplier
Direct payment by Defacto or transfer to your account: you stay in control. Either way, your commercial relationships remain unchanged and your suppliers are not involved in the financing.
You choose the invoice.
Defacto pays the supplier.
1 | Upload the supplier invoice
Upload the invoice to finance on the platform. Eligibility checked in 27 seconds via secure accounting connection.
2 | Choose your duration
From 3 to 120 days depending on your cycle. You see the exact cost before confirming. No surprises.
3 | The supplier is paid. Immediately.
99.11% of transfers are instant. Your supplier receives the funds on the same day.
4 | You repay at maturity
One repayment line, one date. Accounting stays clean, traceable, audit-ready.
What it unlocks concretly
Capture supplier early payment discounts
Your supplier offers a 2% discount for immediate payment. You finance over 60 days. The cost of financing is lower than the discount obtained.
Say yes to strategic orders
A major order stalls when cash flow falls short. With Defacto, you finance it on demand without touching your cash reserve.
Secure critical supply
Upfront deposit, early payment, import: you pay your suppliers on their terms, not yours by default.
Frequently asked questions
Everything you need to know before you start.
What is the difference from a classic supplier discount?
Will my suppliers and clients be notified?
Which invoices are eligible?
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.