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


of bankruptcy in 2023

Spiking costs, rising interest rates, and pandemic-loan repayments threaten the solvency of SMBs


of hidden costs

From flat fee, setup fee, anticipated repayment fee etc.



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

Stéphane Ficaja


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


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