A modern and chic cafe.
Supplier relationship management

optimise supplier relationships & never miss a payment

Use short-term financing to pay suppliers on time, access early payment discounts, and avoid costly penalties. Optimise your cash flow and keep everyone happy. 
Powering the next generation of small businesses
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Your challenge

Great vendors are in short supply

Supplier relationships are too valuable to jeopardise. Keeping them happy means paying on time, every time. But when cash is tied up elsewhere, you may not have the funds you need.
Our solution

Get fast funds to keep everyone happy

Defacto gives you short-term credit through AP and AR financing. Prevent cash flow issues and meet every commitment. Suppliers will be singing your praises.
real impact, really fast
Upway grows sales by 20% thanks to financing with Defacto.
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Why small businesses love Defacto

The fastest form of financing
It shouldn’t take months to fund your small business. Joining Defacto only takes 27 seconds, and then you’re ready to open a line of credit. 
Flexible lines of credit
Want to take advantage of a one-time offer or early payment discount? Borrow as often as you need up to your limit, with no delays.
Transparent terms
& conditions
Nobody likes hidden fees and dubious fine print. Defacto is always honest, easy to understand, and built for SMBs. If you’re happy, we’re happy. 
Friendly, human service
We’re confident you won’t have any issues getting started. But if anything comes up, we’re here to help. 
Tailored lending

One size doesn’t fit all

Unlike traditional lending services, we’re here to give you what you want, and nothing more. You choose your financing instrument, the invoices you upload, and how quickly you repay. 
How it works

Short-term financing when you need it.

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 growth with Defacto

Get started
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