Solve your treasury needs by financing your receivables today

Finance your growth with a 100% flexible cash advance, and no longer be limited by your working capital

Built for builders

Lending in seconds, without paperwork through your financial tools
Submit your receivables and decide on your terms. Pay only for what you use.
Automated direct debit. You don't have to do anything else. As soon as a loan is repaid, your financing capacity is accessible again
"Defacto allowed us to finance the extension of customer payment terms in an agile and flexible manner. We gained cash flow flexibility thanks to the rapid arrival of funds, after an invoice submission in a few clicks."
Irina Delecroix

Irina Delecroix

Project Manager

short-term and ultra flexible financing

don't limit your growth because of your working cap

Receivables financing

Cash your B2B invoices right away, and don't be dependent on late payments or delays from your customers

International coverage

Finance your receivables, including international ones

Dynamic financing capacity

With our scoring algorithms, we follow your growth and your needs, automatically

Transparent pricing

Access your current cost of financing anytime to pilot it easily

Flexible terms

You decide when you want to repay, without anticipated repayment fees


You finance what you need, when you need it. No minimum, no fix costs