Finance your supplier payments and your stock
Solve your treasury needs and unlock your growth with short term financing
Built for builders
Lending in seconds, without paperwork through your financial tools
Submit your payables 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
"I can grow faster by financing my stock through Defacto. The advantage is the dynamic and automatic evolution, my outstanding amount follows my growth and my needs."
Stéphane Ficaja
Co-founder
short-term and ultra flexible financing
don't limit your growth because of your working cap
Payables financing
Maintain good relationships with your key suppliers. Pay them on time, without impacting your working cap
International coverage
Finance your payables, including international ones
Dynamic financing capacity
With our scoring algorithms, we follow your growth and your needs, automatically
Stock financing
We pay your suppliers for you, you repay when you’re ready
Supplier relationship
Foster the best relationship with your key suppliers by paying them on time, without impact on your working capital
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
Pay-As-You-Go
You finance what you need, when you need it. No minimum, no fix costs
Those awesome companies trust us
