SME
solve your treasury needs and seize growth
Discover financial tranquility and seize opportunities for growth from marketing to talent to expanded operations with instant access to fair and flexible financing.
Powering the next generation of small businesses
Your challenge
Lack of working cap is the #1 cause of small business bankruptcy
A lack of working capital can have a significant impact on the sustainability and financial health of startups and small businesses due to irregular income, insufficient reserves, and mismatched accounts payables and receivables timing.
Our solution
flexible, pay-as-you-go financing
With Defacto, have financial peace of mind and bridge cash flow gaps with instant access to working capital on your terms and timing.
real impact, really fast
20%
Upway grows sales by 20% thanks to stock financing with Defacto.
Why small businesses love Defacto
A simplified borrowing experience
No more paperwork or unnecessary back and forth! Discover a tech-first approach that means instant and easy.
Helpful, accessible service
A service is only as good as the people behind it, and we’re committed to being available and favour dialogue whenever you need it.
Savvy supplier relations
Cultivate strong partnerships with your suppliers, emphasizing punctual payments and securing discounts through bulk purchases.
Straightforward terms
Get clarity and flexibility in our agreements. Finance only what you need, precisely when you need it, at a fair—no minimums, no fixed charges.
Direct lending
smart, forward-
thinking financing
With our scoring algorithm, we follow your growth and automatically anticipate your capital needs in our lending dashboard.
How it works
Lending with Defacto is quick and easy.
Only 27 seconds from quote to cash.
Connect your bank and fintech tools
Get instant financing eligibility
Request lending against your capacity
Receive automatic confirmation of payment