Treasury Flex
A working capital loan up to €50,000, over 3 to 6 months. Answer in minutes, funds available immediately, fees known before you accept.
Trusted & Funded +25K SMEs
Our solutions
YOUR CHALLENGE
Your business is moving forward. Your cash flow is lagging behind.
Stock to build, costs to smooth, investments to spread out: some needs arise before the money comes in. Without the right tool, you wait, you delay, or you let opportunities pass.
30
Suppliers waiting. You can't meet your own payment deadlines.
60
Missed opportunities. A new contract comes in, but cash flow doesn't follow.
90
Growth stalled. Not for lack of orders, but for lack of liquidity.
OUR SOLUTION
Treasury financing you can activate in minutes.
Tell us how much you need and for how long. We analyze your financial situation in real time. You receive funds net of fees and repay in fixed installments over 3 to 6 months.
Analysis in 27 seconds
150+ indicators analyzed in real time. No personal guarantee required.
Instant transfer
Funds are available immediately in your account.
Repayment in installments
3 to 6 months, with flexible early repayment.
Simulate a Flex cash financing
Why SMEs choose 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.
You choose the amount and the duration
1. Connect yout bank
Secure DSP2 connection. Your credentials stay encrypted, never stored.
2. Get instant eligibility
+150 data points analysed in 27 seconds. You immediately know what you can finance.
3. Choose amount and duration
You see the total cost before you accept. No commitment before validation.
4. Receive funds, repay at your pace
Instant transfer. Automatic monthly instalments. Early repayment possible at any time.
What it unlocks concretly
Build your stock before revenue lands
The order goes out this week. Collections arrive in 60 days. You finance the gap now, repay in monthly instalments when cash comes in.
Spread a one-off cost. Keep your reserve intact.
A hire, equipment, an exceptional charge: you stagger over 3 to 6 months instead of absorbing the full hit upfront.
Say yes to the early payment discount.
Your supplier offers better terms for fast payment. You have the funds on the same day. You pay them back over the months that follow.
Frequently asked questions
Everything you need to know before you start.
What is the difference from a bank loan?
Do I need to provide invoices?
What amount is available?
How much does it cost?
Is a personal guarantee required?
Is Defacto a serious lender?
Collect now. Wait later.
Check your eligibility in 2 minutes. No commitment, no paperwork.