A modern and chic cafe.

solve your treasury needs and seize growth

Discover financial tranquility and seize opportunities for growth from marketing to talent to expanded operations with instant access to fair and flexible financing.
Powering the next generation of small businesses
Klox logo
Link logo
Carres Mais logo
Akolads logo
Spaag logo
Spaag logo
Your challenge

Lack of working cap is the #1 cause of small business bankruptcy

A lack of working capital can have a significant impact on the sustainability and financial health of startups and small businesses due to irregular income, insufficient reserves, and mismatched accounts payables and receivables timing.
Our solution

flexible, pay-as-you-go financing

With Defacto, have financial peace of mind and bridge cash flow gaps with instant access to working capital on your terms and timing.
real impact, really fast
Upway grows sales by 20% thanks to stock financing with Defacto.
Upway Logo

Why small businesses love Defacto

A simplified borrowing experience
No more paperwork or unnecessary back and forth! Discover a tech-first approach that means instant and easy.
Helpful, accessible service
A service is only as good as the people behind it, and we’re committed to being available and favour dialogue whenever you need it.
Savvy supplier relations
Cultivate strong partnerships with your suppliers, emphasizing punctual payments and securing discounts through bulk purchases.
Straightforward terms
Get clarity and flexibility in our agreements. Finance only what you need, precisely when you need it, at a fair—no minimums, no fixed charges.
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.
Number one
Connect your bank and fintech tools
Number two
Get instant financing eligibility
Number three.
Request lending against your capacity
Number four.
Receive automatic confirmation of payment

Join the 7,000+ businesses owning their own growth with Defacto

Get started
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
By clicking
, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our
for more information.