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SMB Platform
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Defacto Dashboard
Direct lending platform.
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Agencies & Service Providers
Ecommerce & Retail
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Become a partner and scale your lending capabilities.
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B2B Marketplace
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Retail
finance your stock and supplier payments
With Defacto, retailers easily solve their treasury needs and unlock endless growth opportunities with pay-as-you-go financing to cover anything from stock purchases to your B2B sales
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Powering the next generation of retailers
Your challenge
Retail is a seasonal business where stock orders and sales rarely align
Cash can get tight when you need to upfront stock financing or cash in preparation for next season’s inventory.
Our solution
Buy now, pay later financing that flexes to your variable business
With Defacto, have financial peace of mind with instant access to working capital on your terms and timing.
real impact, really fast
20%
Upway grows sales by 20% thanks to stock financing with Defacto
Why retailers love Defacto
A modern lending process
Say goodbye to complex procedures! Experience a tech-driven approach to financing that eliminates paperwork and endless back-and-forth.
Expedited
growth
Never miss a sale. Quickly access financing whenever you need a boost or extra capital coverage.
Sophisticated supplier relations
Strong relationships drive business success. Maintain timely payments and secure favourable bulk purchase discounts.
Transparent, adaptable terms
Finance exactly what you need, precisely when you need it, at a fair and fixed rate. No minimum, no fixed costs.
Direct lending
smart, forward-
thinking financing
With our scoring algorithm, we follow your growth and automatically anticipate your capital needs in our lending dashboard.
How it works
Lending with Defacto is quick and easy.
Only 27 seconds from quote to cash.
Connect your bank and fintech tools
Get instant financing eligibility
Request lending against your capacity
Receive automatic confirmation of payment
Join the 7,000+ businesses owning their own growth with Defacto
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