Pay your suppliers on time. Protect your terms. Capture discounts.
Finance your supplier invoices on demand, invoice by invoice, with no personal guarantee and no bank negotiation. You choose what you finance, Defacto releases the funds in seconds.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
Your supplier relationship is worth more than your cash flow lets you show.
A strategic supplier offers a 2% discount for cash payment. Another sets a short window your cash flow cannot meet. A third could offer better terms if you consistently paid on time. In all three cases, the constraint is the same: you have the relationship, but not always the cash at the right moment.
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 amount, paid at the right time, on the exact invoice.
Upload the supplier invoice to settle. Defacto reviews your file in 27 seconds and releases the funds via instant transfer. You repay at the chosen maturity, between 3 and 120 days. Your suppliers are paid on their terms, not yours by default.
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 choose how to pay your supplier
Direct payment by Defacto or transfer to your account: you stay in control. Either way, your commercial relationships remain unchanged and your suppliers are not involved in the financing.
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 traceable and justifiable.
Invoice by invoice, not on a global envelope
No credit line to negotiate, no over-financing. You finance the precise invoice to settle, for the exact duration you need.
You choose the invoice.
Defacto advances the funds.
1 | Upload the supplier invoice
Upload the invoice to finance on the platform. Eligibility checked in 27 seconds via secure accounting connection.
2 | Choose your duration
From 3 to 120 days depending on your cycle. You see the exact cost before confirming. No surprises.
3 | The supplier is paid. Immediately.
99.11% of transfers are instant. Your supplier receives the funds on the same day.
4 | You repay at maturity
One repayment line, one date. Accounting stays clean, traceable, audit-ready.
What it unlocks concretly
Capture early payment discounts
Your supplier offers a 2% discount for immediate payment. You finance over 60 days. The cost of financing is lower than the discount obtained: the operation pays for itself.
Avoid late payment penalties and protect your terms
A late payment can cost a negotiated discount, damage a commercial relationship, or block a future order. Defacto lets you honour your commitments regardless of your cash position at any given moment.
Negotiate from a position of strength
A supplier who is always paid on time is one you negotiate with differently. You create the conditions for a lasting commercial relationship, without depending on your cash flow at any given point.
Frequently asked questions
Everything you need to know before you start.
Will my suppliers be notified of the financing?
Is it worth financing to capture a supplier discount?
Which invoices are eligible?
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.