Two people in an office setting with laptops.

Never struggle with growth because of working capital constraints

Whether you need to pay for stock, pre-fund marketing campaigns, or absorb your clients’ payment terms— we’re only 1-click away for instant financing.

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Funded 7,000+ businesses all across Europe

why small businesses love defacto

With Defacto, you’re in the driving seat every step of the way. Our financing solution is super flexible so you can choose how much you need, when you repay, and what you use your capital for.

Grow at your speed and on your terms

Flexible terms and conditions

Maintain good relationships with customers and suppliers through custom payment terms. Repay as you need between 0 to 120 days

A simple, SMB-friendly flow

Get access to working capital in seconds. No paperwork. No back and forth. Instant everything.

Smart, financing recommendations

With our scoring algorithm, we follow your growth and automatically anticipate your capital needs.

Instant lending to cover cash going in and out

Reliable accounts payable

Maintain strong supplier relationships by always paying on time without ever going into the red.

Simplified accounts receivable

Never miss a growth opportunity due to long customer payback terms.

1-click lending to use countless ways

Stock financing

Unlock your production so you never miss a sale.

Supplier invoices

Always pay on time without impacting your working capital.

Cash financing

Cash-in your B2B invoices straight away to avoid any operational delays.

Without Defacto, I would be forced to turn down clients and significantly reduce my growth. Because growth costs money. Thanks to Defacto my growth continues and I can pay my employees on time.

Emmanuel Bismuth

Founder

Ready to grow on your own terms?

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