Your business moves forward. Your cash flow needs to keep up.
Accounts receivable, supplier invoices, one-off cash need: Defacto finances exactly what you need, when you need it. No personal guarantee, no paperwork, no bank negotiation.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
Decisions happen now. Money arrives later.
Your clients pay at 30, 60, 90 days. Your suppliers want to be paid immediately. In between, you make decisions with a cash position that does not reflect your actual activity. You push back orders, miss discounts, wait. This gap between activity and collection is the structural challenge of every well-run SME.
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 financing, for the right operation, at the right time.
Defacto offers a solution tailored to each situation: accounts receivable financing if your clients are slow to pay, supplier invoice financing if you have purchases to settle, Treasury Flex to spread a cash flow need over 3 to 6 months in fixed monthly instalments. Each solution activates independently, on demand.
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
You finance the exact operation, not a global envelope
No credit line to negotiate, no over-financing. You choose the invoice, the amount and the duration. Each financing is tied to a precise, traceable operation.
You see the cost before confirming
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.
A decision in 27 seconds, an instant transfer
97 indicators analysed in real time. No back and forth, no paperwork. Funds arrive on the same day.
What it unlocks concretly
Say yes to orders without waiting for collections
An opportunity arises but your cash flow is busy elsewhere. You finance the invoice that is blocking you, you seize the order.
Pay your suppliers on their terms, not yours by default
Deposit, cash payment, tied discount: you have the funds available at the right time to decide without cash flow constraints.
Spread charges without drawing on your reserve
Hiring, investment, exceptional cost: rather than absorbing the impact all at once, you spread over 3 to 6 months with Treasury Flex and repay in fixed monthly instalments.
Frequently asked questions
Everything you need to know before you start.
Which solution fits my need?
Can I use more than one solution?
Will my suppliers and clients be notified?
Is a personal guarantee required?
How much does it cost?
Is Defacto a serious lender?
Finance your cycle. Stop enduring it.
Check your eligibility in 2 minutes. No commitment, no paperwork.