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.
Funded 12,000+ 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 O 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.
“With Defacto, we've found a financial partner who understands our pace. Their solution helps us to optimize our WCR during the off-season, and then grow faster.”
Thomas Dazard, CFO
2-click lending to use countless ways
Stock financing
Unlock your production so you never miss a sale.
Cash financing
Cash-in your B2B invoices straight away to avoid any operational delays.
Supplier invoices
Always pay on time without impacting your working capital.
Instant lending to cover cash going in and out
Dedicated to making working capital work for SMBs
Easy-to-use
91% of customers say so
Secure
ACPR licensed & compliant
Transparent
Upfront daily rates
Integrated
Connected to 20+ banking tools