Forward-thinking partners growing faster with Defacto

Your challenge

Your business moves fast. Your cash flow catches up later.

Building up stock, smoothing out expenses, bridging the gap between a cost and an incoming payment: some needs arise before the money lands. Without the right tool, you wait, delay, or let the opportunity pass.

Our solution

Working capital financing, activated in minutes.

Tell us how much you need and for how long. We analyse your financial situation in real time. You receive the funds net of fees, and repay in fixed monthly instalments over 3 to 6 months.

Why small businesses love Defacto

Flexible financing without fail

Borrow as and when you need funds. You’re pre-approved up to your credit limit, and can borrow against new invoices whenever you need to.

Straightforward terms

Manage your credit based on business needs. No minimums, no fixed charges, and no surprises hiding in the fine print.

Helpful, accessible service

Customer queries are priority zero for us. Every common issue is easily solved without a phone call, but the whole team is here for you just in case.

Tailored loans

You choose the amount and the duration

From €1,000 to €50,000, over 3, 4, 5 or 6 months. You decide what you need — and get an immediate proposal based on your real financial situation.

How it works?

Only 27 seconds from quote to cash.

Connect yout bank

Secure DSP2 connection. Your credentials stay encrypted, never stored.

Get instant eligibility

97 data points analysed in 27 seconds. You immediately know what you can finance.

Choose amount and duration

You see the total cost before you accept. No commitment before validation.

Receive funds, repay at your pace

Instant transfer. Automatic monthly instalments. Early repayment possible at any time.

Join the 20,000+ businesses owning their growth with Defacto

Get started