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.
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.
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.
Saavy supplier relations
Cultivate strong partnerships with your suppliers, emphasizing punctual payments and securing discounts through bulk purchases.
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.
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