You buy before you sell. Defacto finances the gap
Stock and supplier invoice financing on demand, invoice by invoice, with no personal guarantee and no bank negotiation. You choose what you finance, Defacto releases the funds in seconds.
Trusted & Funded +25K SMEs
Our solutions
YOUR CHALLENGE
Your suppliers want paying now. Your clients buy in 30, 60, 90 days.
In retail, cash flow tightens at two precise moments: when you build stock ahead of the season, and when your B2B clients are slow to pay. In between, you advance significant amounts with no visibility on when they will come back. Missing a supplier order or turning down an opportunity for lack of liquidity has a direct cost on revenue.
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 settle or the customer receivable to accelerate. 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.
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 retailers choose Defacto
You finance the exact operation, not a global envelope
No credit line to negotiate, no over-financing. You choose the invoice to finance, the amount and the duration. Each financing is tied to a precise, traceable operation.
Clear pricing before you confirm
Daily pricing calculated automatically at activation. You see the exact cost before accepting. No hidden fees. Every euro financed is justifiable in a board meeting.
Your suppliers and clients are not involved
No notification, no subrogation, no side effect on your commercial relationships. You stay in control of your flows, in both directions.
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.