THE EXACT AMOUNT YOU NEED, RIGHT WHEN YOU NEED IT.
Defacto finances your cash flow needs on demand, with transfers in seconds.
ACPR-approved financial institution.
Trusted & Funded +20K SMEs
The right financing for
every situation
Invoice to finance, supplier to pay, inventory to build: choose, activate, repay.
Purchase order financing
Order confirmed but funds not yet available? Get the cash needed for production, repayable upon delivery, without tying up your credit line.
Accounts receivable
Turn your invoices into immediate cash. Instead of waiting 30, 60 or 90 days, get paid today.
Supply chain financing
Pay your suppliers today, repay over up to 4 months. Protect your cash flow without holding back your purchases.
Cash flow financing
Fast access to cash to smooth out your activity, seize an opportunity, or bridge a timing gap.
Credit card
A corporate credit card for your business expenses, with a credit line calibrated on your actual activity.
The right financing for your business, in a few steps
A secure bank connection, a guided process, an instant answer.
Check your eligibility
Connect your existing tools (bank account, accounting software, invoicing). Defacto analyses your financing capacity in real time and gives you an immediate answer.
Create your account
Accept our terms and get real-time access to your personal lending dashboard.
Use your financing
Immediately draw on your capacity by submitting customer receivables or supplier invoices.
Choose your repayment terms
Repay however you like, in one go, between 0 and 120 days.
Financing that adapts to your pace, not the other way around
STOP WAITING. START GROWING.
Financing that grows with you
A personalized offer based on your real-time data, evolving with our relationship and your growth.
Take back control of your cash flow
Keep your cash flows and choose exactly what you finance, with reduced fees for early repayment.
Stop wasting time
Enjoy instant transfers and a 100% online process to manage your cash flow with full autonomy.
They run their business with defacto
Join 20,000+ SMEs who chose simplicity: 91% of our users rate us highly for ease of use in their day-to-day.
KEEP A CLEAR HEAD. STAY IN CONTROL OF YOUR CASH FLOW.
Whether it's for your payments, your inventory or your cash flow, our financing solutions help you move forward with confidence.