Learn how to measure your self-funding ratio and optimise your financial autonomy for stability and less debt

Discover the ins and outs of the solvency ratio—a key metric to gauge your business’s ability to handle long-term debts.

Get an inside look at how the customer operations team leverages AI to maximize productivity and end-user experience.

What is accounts payable financing, and how can you use it to grow your SMB? This article explains the ins and outs in simple terms.

What are liquidity ratios, and why are they important for SMBs to monitor? This article explains everything you need to know.

We’ve strengthened our partnership with Pennylane by launching a new accounts receivable financing feature, embedded into their PDP workflow.

Go inside Defacto's its AI-powered, automated underwriting model to discover how it makes lending faster, safer, and personalized to each borrower.

Lending-as-a-service is set to be the next big thing in fintech. Here are 9 fascinating and insightful statistics to prove it.

Read how GCollect integrates Defacto's accounts receivable financing to help clients dealing with long payment delays.

2024 saw a range of special milestones and huge achievements at Defacto. See the full array of new products, partnerships, and the promising future in store for 2025.

What can you do to ensure good cash flow and prepare your SMB for the year ahead? This 10-step checklist is the perfect place to start.

Want to know a reasonable profit margin to target for your small business? This guide helps you understand this vital metric, and provides some benchmark figures to aim for.

Smooth customer experience is the top priority for banks. Read how fintech innovation is providing the tools business banks need to deliver an incredibly CX.

Need extra financing to fund your working capital needs? This article explains how working capital financing works for SMBs.

J.P. Morgan Executive Director Tiphaine Bergault examines the interplay between fintechs and banks, and how collaboration is leading to better customer experiences.

A look at the history and impact of Europe's PSD directives, and what to expect when PSD3 comes into force.

Read about how RollingFunds built a tailored BNPL platform for SMBs in record time, thanks to embedded lending technology built by Defacto.

Sopra Steria Group Head of Corporate Ventures Socheat Chhay explainshow fintechs and banks can interact more effectively and build better products for all.

Varsity General Partner Didier Valet (ex-Societé Generale) explores how embedded finance and AI are poised to unlock innovation in Europe.

Read the true story of how AML Factory uses fast access to credit to manage its cash conversion cycle and focus on growth.

Dive into this complete guide to optimising your company's cash management.

Learn more about Core, Defacto's Lending-as-a-Service offering built to help banks and lenders serve SMBs efficiently.

CEO of Societé Generale Factoring Aurélien Viry explores the interactions between fintechs and banks, and explains why the best outcome is enthusiastic cooperation.

Citi Managing Director of Strategic Venture Investing Patrick Brett dives into the role of machine learning and open banking in modern finance.

Looking to grow your small business? These 11 tools make your work more efficient and effective, and save your precious time.

Should you consider short-term financing for your SMB? Here are the hey advantages and disadvantages of this alternative financing.

Learn the ins and outs of embedded lending, and why now is the time to get excited about this new financing delivery system.

Discover the best alternative financing options to help grow your SMB without a bank loan.

Defacto CFO Charlotte Gounot explains why fintech startups should look for the opportunities created by regulation, rather than focusing on the challenges.

Dive into more than 60 fascinating statistics that explain the state of small business lending today, and where it's heading.

Want to add embedded finance features to your platform or service? Here are 10 questions to ask first, plus to tips for success and traps to avoid.

Learn how automation tools overhaul the underwriting process for both borrowers and lenders

Learn how to identify invoice fraud and protect yourself from fake business invoices.

All you need to know about revenue-based loans, a great solution for your short-term digital investments.

Stay up to date on the latest e-invoicing regulation in France to prepare for the 2026 rollout, and discover the role of banks, fintech and SMEs in this digital transformation.

What is assignment of receivables, and how can you use this process to grow your business? Learn more in this article.

Open banking has brought remarkable change in the finance industry, and promises to continue doing so. Learn what this concept is and how it works.

Are you familiar with the concept of COGS or cost of goods sold? Here's everything you need to know about this term for managing your purchases.

Definition, operation, advantages, disadvantages: everything you need to know about reverse factoring, a lever for optimising your cash flow.

A credit line is a simple form of financing for SMEs to fund their working capital requirements. We explain how and when you can access and use it.

Introducing our Dashboard 2.0 with a slick new UI, dedicated repayments page, streamlined loan requests and more!

The landscape of asset based financing (ABL) and short-term financing has undergone a significant evolution in recent years.

Bridging loans lets companies bridge the gap between investment rounds or during downturns. Find out how they work, and the best options for modern small businesses.

Small businesses often suffer from cash issues, but these don't need to be fatal. Learn how cash flow loans work, and how to use them to survive and grow.

From the Covid crisis to the war in Ukraine, European businesses have faced ongoing challenges in recent years. Here's how to navigate these and ensure success.

Small businesses have been left behind by slow lending and regulatory progress. Here's how we can fix that and help the under-served SMBs.

What is the cash conversion cycle (CCC)? How can you optimise it and use it as a lever for your sales strategy? Read on to learn more.

Hear how Paris business owners are leveraging short-term financing to gear up for the 2024 Olympics.

AI is transforming lending services. Read the many upgrades it provides for lenders and borrowers, and the limits to keep in mind.

What is negative working capital, and why is it surprisingly positive to help your business grow and thrive? We explain it all in this article.

Hear how Mickaël at Bellota-Bellota leverages short-term financing as a strategic lever to optimise his working capital for more than 700 SKUs.

Explore our complete guide to evaluating lending-as-a-service providers and uncover the benefits of embedded finance.

Does your business have unexpected or seasonal cash flow needs? Here are 5 essential points to ensure financing doesn’t become an issue in peak or slow periods.

Why, when and how should you use inventory financing? We take a closer look at the concept, the situations where it can help, and the short-term credit options available.

See the documents and business plan required for a successful loan application, and secure the funds to finance all your business projects.

Optimizing working capital and cash flow is an essential step in growing a successful small business. Learn the 5 key considerations for healthy company cash flow.

A cash flow forecast gives you greater control over your business. But you need to know how to build one, depending on your objectives.

Learn all about early payment discounts, and how you can take advantage of their to optimise working capital requirements and improve your cash flow!

The cost of factoring is worth looking into, so that you know how to estimate and optimise it item by item: management commission, financing commission, administration fees, etc.

Discover 5 non-dilutive financing solutions to support your company’s growth without reducing your ownership stake.

Working capital can be a real challenge for SMB financial management. Learn how to calculate, optimise and finance it.

What are the key banking tech trends to watch for in 2024 and beyond? Defacto President Jordane Giuly breaks down 6 of the most pressing and intriguing shifts underway.

Discover the differences between factoring and Dailly to understand which solution is most suitable for your business

Working capital loans help you pay suppliers on time and finance growth, even before you've been paid by customers. Read how four smart SMBs use this powerful tool.

Looking for short-term financing to cover working capital shortfalls or to jump at an exciting investment opportunity? Here are interesting solutions for SMBs.

Want to build strong, long-lasting relationships with your vendors? Here's your guide to effective supplier relationship management.

See how embedded finance works, some of the best-known examples on the market today, and learn why so many companies are embracing this new technology.

Defacto reinforces it's commitment to risk management and compliance as the first B2B lending fintech to be licensed as a 'Société de financement' by the ACPR. Learn how our AI and compliance-first approach benefits partners, borrowers, and the fintech landscape.

Explore Defacto: Your go-to for transparent, speedy financial partner, guaranteeing financial stability and effectiveness. Streamline your cash flow financing effortlessly. Experience Defacto today!

What sets Defacto apart is primarily the simplicity and flexibility of their platform. The ability for early repayments and flexibility in the duration of financing are major assets that allow us to effectively manage our cash flow and optimize our daily operations.

Discover how factoring can boost your business. Explore its benefits for financial management and stimulated growth.

"There are 3 major advantages: ultra flexibility, scoring method, and speed of implementation."

Discover online financing with Defacto: Get financing in 27 seconds for your business by using your supplier and customer invoices.

Explore comprehensive financing options for your business. From love money and grants to honor loans and crowdfunding, learn how to fund your startup, manage working capital, invest in growth, and navigate the roles of banks, fintechs, business angels, and investment funds. Your journey to successful business financing starts here.

Testimonial from Emmanuel, founder of Akolads agency: "Without Defacto, I would be forced to turn away clients and significantly reduce my growth."