It shouldn’t take weeks to access critical capital
Here’s how we’ve redesigned the lending process to be as hassle-free and fast as possible.
Check your eligibility instantly
No paperwork, just 2 clicks to link your banking apps.
Accept transparent terms
In 27 seconds discover your loan capacity with pricing on average 0.05% per day. No additional fees.
Upload invoice to pay
Immediately upon accepting conditions, start leveraging your working capital.
Reimburse and renew as you need
Request new advances & repay in one go between 0 to 120 days.
Working capital that works for SMBs
Simply fast
No paperwork, no waiting.
Flexible
Finance without penalties for early repayment.
Secure
Fully compliant with European
banking regulations
integrated
Works seamlessly with your existing tools for a smooth experience.
How to leverage Defacto to optimize your cash flow
Cover your clients’ payment terms
Absorb long payment delays and improve your cash flow without disrupting your relationships with customers.
Finance stock or growth opportunities
Secure the resources you need to grow your business by financing your inventory or production cycles.
Negotiate discounts with suppliers
Leverage immediate financing to negotiate early payment discounts with your suppliers and ultimately reduce costs.
Transparent, flexible pricing
At Defacto, we prioritize fairness and flexibility, ensuring that every business can say in control of their costs with ease and confidence.
No hidden fees
What you see is what you get. Our pricing is transparent, with no platform fees or surprises.
Flexible, daily pricing
Use as much or as little of your lending capacity as needed, and pay only for the duration of the financing used.
Competitive, upfront rates
Using your latest financial data through APIs, we tailor rates based on your current eligibility, providing real-time rates between 0.05-0.08% per day.
“With Defacto, everything is quick and easy. You can get a line of credit within a day, which is unimaginable with a traditional bank.”
Compliance & care at our core
We take pride in our easy-to-use technology, but great service comes from the people behind it. From exploring financing to scaling your business, we’re here to guide you every step of the way.
