Your costs go out before your clients pay. Defacto bridges the gap.
Finance each stage of your cycle, purchases, production, suppliers, on demand, invoice by invoice, with no personal guarantee and no bank negotiation.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
Purchases, production, delivery: at every stage, cash goes out before it comes in.
You pay for raw materials before you produce. You deliver before you collect. You advance costs your clients have not yet settled. This structural gap between outflows and inflows is the daily reality of every industrial SME. It slows decisions, constrains purchasing, and ties up cash at every turn.
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, at the right time, on the right operation.
Defacto adapts to your actual cycle. You finance a supplier invoice to secure supply, a customer invoice to accelerate collection, or both depending on the moment. Assessment takes 27 seconds, the transfer is instant. You repay between 3 and 120 days depending on your cycle.
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 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
Launch a production run without waiting for cash flow
You have the order, you are short on raw material. You finance the supplier purchase now, you repay when the delivery is collected.
Reduce the gap between outflows and inflows
Your clients pay in 60 days, your suppliers want to be paid in 30. Defacto bridges the gap without you having to renegotiate terms on both sides.
Capture advantageous terms without tying up your cash
Early payment discount, strategic deposit, urgent order: you have the funds available at the right time to decide without cash flow constraints.
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.