How AML Factory gained peace of mind thanks to Defacto

“With Defacto, everything is quick and easy. You can get a line of credit within a day, which is unimaginable with a traditional bank."

• Mathieu Rosey, COO of AML Factory

A compliance platform for fintechs and banks

AML Factory is an expertly designed compliance platform for compliance professionals. It connects key tools including company CRMs to analyze customers' financial flows, assess KYC (Know Your Customer) risks and check the origin of funds, to prevent money laundering. If a problem is detected, the platform blocks suspicious transactions.

Its solutions are used by unicorns like Qonto and Pennylane, as well as fintechs, banks and companies managing financial flows. The aim is simple: to secure and simplify regulatory compliance.

Challenge: Tight cash flow in the face of rapid growth

AML Factory is expanding rapidly and has to manage cash flow shortfalls. It’s particularly focused on the cash conversion cycle, the delay between expenditure and the arrival of payments and subsidies.

60% of costs go directly to salaries—not a discretionary expense—so any delay in payment can create financial issues. 

“We need cash quickly to cover our costs,” explains Mathieu Rosey, COO.”But the traditional banks were far too slow. If we had waited for them to respond, we would have risked going bankrupt.”

Banking processes are often slow, complex and not designed for urgent needs. Agile businesses like AML Factory need more responsive and dynamic financing solutions. 

Solution: Pay-as-you-go financing with Defacto

To help cover any payment delays, AML Factory calls on Defacto to provide an ultra-rapid financing solution. The first time, it obtained funds that very evening. This let the company cover its immediate cash requirements without worrying about bank delays or subsidies that were slow in arriving.

“With Defacto, everything is quick and easy. You can get a line of credit within a day, which is unimaginable with a traditional bank,” says Mathieu.

Rather than a traditional loan, AML Factory benefits from a cash advance with a daily cost of 0.05%. This model, which is perfectly suited to short-term needs, offers great flexibility. AML Factory can repay immediately or later, depending on its capacity. 

The result is immediate: financial peace of mind, time savings and reduced pressure on management teams.

Controlled cash flow and less stress

This source of fast funding has stabilized the company's cash flow, eliminating the anxiety of waiting for subsidies.

“Defacto literally saved our bacon. A competing solution had not responded to our request for funding, but Defacto’s responsiveness and flexibility from our first contact relieved us, both financially and mentally. It's a real safety net that significantly reduces our mental burden.” 

The benefits of instant funding

• Time savings: AML Factory no longer has to waste time with cumbersome application processes and long delays.
• Security: Defacto funding is there when you need it, guaranteeing smooth cash management.
• Less pressure: The company can concentrate on its development without the stress of financial delays.

Why choose Defacto?

Mathieu highly recommends Defacto for its responsiveness, flexibility, and ability to meet the specific needs of fast-growing companies. Unlike traditional banks, Defacto offers a modern, human solution tailored to the realities of the market.

“Defacto is a tailor-made solution. They understand our needs, are efficient and available. We no longer waste time with obsolete processes. 

“But while their technology enables us to get things done very quickly, the human dimension is important. Our contacts with the team are rich and have enabled us to establish a real relationship of trust.

Speed and flexibility: the Defacto difference

• Outstanding response time: the credit line is available the same day.
• Tailor-made flexibility: AML Factory adjusts repayments according to your needs.
• A relationship of trust: each rapid repayment strengthens AML Factory's creditworthiness, and builds a mutually beneficial relationship.

As Mathieu points out: ‘With Defacto, it's really a question of trust. The faster we repay, the greater our credit capacity. It's a positive dynamic that supports our growth.”

A strategic, long-term collaboration

For AML Factory, the partnership with Defacto is for the long term. The partnership has proved its worth at critical times, enabling AML Factory to pursue its development in France and Europe with the peace of mind of being able to count on Defacto's financial support at all times. 

This cooperation is set to grow, and AML Factory is even providing compliance training to Defacto’s team members. 

“This demonstrates a real collective spirit in the fintech sector,” adds Mathieu. “We all want to see it grow.”

At the same time, AML Factory continues to invest to become a benchmark in regtech, first in France and then internationally. And thanks to Defacto, the company has the resources to make this ambition a reality.

“Defacto is a key partner in our growth. Their flexibility and support are essential to our expansion. We can't see ourselves moving forward without them.”