short term financing to grow at your speed
Finance your growth thanks to our 100% flexible financing solution. We pay for your stock, marketing campaigns, and absorb your B2B clients payment terms. You repay when you want.
financing, built for builders
We believe access to short-term financing is broken
+78%
of bankruptcy in 2023
Spiking costs, rising interest rates, and pandemic-loan repayments threaten the solvency of SMBs
80%
of hidden costs
From flat fee, setup fee, anticipated repayment fee etc.
>120
days
From application to receiving the funds. No one has time for that anymore.
"I can grow quicker because Defacto finances my stock. The benefit is the dynamic & automated evolution. My credit line follows my growth and my needs."
Stéphane Ficaja
Co-founder
flexible short term finance
Solve your working capital needs
Client financing
Cash-in your B2B invoices straight away and don’t rely on your clients' payment terms & operational delays
Marketing financing
Finance your digital acquisition to drive more sales
Dynamic credit line
Thanks to our scoring algorithm, your credit line follows 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
