Invoice financing: get paid now, not in 60 days
Get paid on your B2B invoices in 2 minutes, one invoice at a time. Online invoice financing for SMEs, without traditional factoring.
What is invoice financing?
Invoice financing lets a business get paid on its customer invoices straight away, instead of waiting until they're due. It's also called accounts receivable financing or receivables financing.
With Defacto, you pick which invoices to finance and repay when your customer pays.
Receivables financing or invoice financing?
Receivables financing is the umbrella term: it covers every way to turn customer invoices into cash, including factoring. Invoice financing is the most flexible form: you finance one specific invoice, when you need it.
The traditional way
Factoring
You sell all or part of your receivables to a factor, usually under a long-term contract, and your customers are told to pay the factor.
With Defacto
Invoice financing
You choose which invoice to finance and how much, whenever you need it. You don't sell your invoices, there's no long-term contract, and your customers aren't notified.
Invoice financing vs bank loan vs factoring
Speed, commitment, guarantees: what actually changes for your cash flow.
Defacto | Short-term bank loan | Traditional factoring | |
|---|---|---|---|
Decision | 27 seconds | Days to weeks | Days to weeks |
Time to funds | 2 minutes | After approval and signing | Once the contract is in place |
Assessment | 150+ data points, via your bank connection | Varies by lender | Set by the contract |
Commitment | None, one invoice at a time | Fixed term | Long-term contract, often 12 months |
Repayment term | 3 to 120 days, you choose | Varies | Set by the contract |
Customers notified | No | Not applicable | Yes, in most cases |
Personal guarantee | No | Often required | Varies |
Paperwork | Online bank connection | Accounts, forecasts, meetings | Application and receivables audit |
Early repayment | Free | Fees may apply | Not applicable |
Comparing with invoice discounting or a Dailly assignment ? Read our comparison of discounting, factoring and Dailly.
Why finance your invoices with Defacto
You've delivered, but payment won't land for 30, 60 or 90 days. Defacto advances the money today.
You choose the invoice
And how much. No long-term contract, no minimum.
See the cost upfront
Repay early at no extra cost.
Your customers aren't notified
They keep paying into your usual account.
No personal guarantee
We look at your bank data instead.
Funds in 2 minutes
Repay when the invoice is due.
Keep your bank
Your accounting stays exactly the same.
How to finance your invoices in 3 steps
Everything happens online. No paperwork, no meetings.
1
Connect your bank
Secure Open Banking connection. In 27 seconds, you'll see how much you can finance and what it costs.
2
Choose your invoices
Pick a repayment term from 3 to 120 days. You see the exact cost before you confirm.
3
Get paid
Funds land in 2 minutes. Your funding limit is revolving: once you repay, it's available again.
How much does invoice financing cost?
The cost depends on how much you finance, for how long, and your company's profile. You see it before you confirm, and nothing gets added later.
On top of the funding
Which invoices can I finance?
Four criteria, checked online in 27 seconds. No paperwork.
Businesses growing with Defacto
A question about an invoice? Our team is here to help.
From your eligibility check to your first funding and beyond, we're with you.
Accounts receivable financing: FAQs
Can't find what you're looking for? Our team gets back to you as soon as you've checked your eligibility.
Last updated 10 November 2026 by the Defacto financing team.
Cost and terms
How much does it cost to finance an invoice?
From 0.040% per day, subject to eligibility and your business profile. You see the exact cost before you confirm, with no setup fee or subscription.
Are there any hidden fees?
No. You see the total cost before you agree to anything. No setup fee, no subscription, no early repayment fee.
Is there a minimum commitment or a subscription?
No. No annual contract, no minimum volume, no subscription. Finance an invoice when you need to, with no obligation to finance another.
How much can I finance?
Your limit is based on your bank and accounting data. There's no fixed cap: it adjusts to your actual activity.
Can I repay early?
Yes, any time, with no penalty. You're only charged for the time you actually used the funds.
When is invoice financing not the right fit?
It's a short-term cash flow tool, and its cost grows with the term. It works best to bridge customer payment delays, less so for a long-term structural need. It only covers approved B2B invoices that aren't due yet. Compare the total cost shown before you confirm with your other options, such as invoice discounting or an overdraft.
How it works
How quickly will I get the money?
You'll know if you're eligible 27 seconds after connecting your bank. Once your invoice is approved, the funds reach your account in 2 minutes.
Which invoices are eligible?
Invoices issued to business customers (B2B), approved and not yet due, with payment due in 3 to 120 days.
Do I have to finance all my invoices?
No. You choose which invoices to finance: one, several or all of them. You never hand over your whole accounts receivable.
Who can use Defacto?
SMEs registered in France, trading for more than 6 months, that invoice other businesses (B2B) on 30, 60 or 90-day payment terms and have an active bank history.
Will my customers know?
No. Your invoices aren't assigned to us: your customers pay as usual, into your usual bank account.
Comparison
What's the difference between accounts receivable financing and factoring?
Factoring usually means a long-term contract and selling all or part of your receivables, with your customers notified. With Defacto, you finance one invoice at a time, with no long-term contract, no minimum usage, and your customers are never notified.
How is it different from bank invoice discounting?
Bank solutions such as assignment of receivables or bill discounting run through your bank. They usually require a pre-negotiated credit line and, for discounting, a bill of exchange. With Defacto there's no bank line to negotiate and no bill of exchange: you finance one specific invoice online, and your customers aren't notified.
How is it different from a bank loan?
A bank loan needs an application (accounts, forecasts) and ties you in for a fixed term. Defacto finances invoices you've already issued: we assess your business online through your bank, and you repay when your customer pays.
Does invoice financing create debt?
Yes, short-term debt: the amount financed is repaid when the invoice falls due, or earlier if your customer pays sooner. Unlike an amortising loan, it's backed by an invoice you've already issued and closes within weeks, so it doesn't add long-term debt.
Do I need to switch banks?
No. You connect your existing bank for the eligibility check. Your accounting setup stays the same.
Security
Do I need to give a personal guarantee?
No. Eligibility is based on your bank and accounting data, with no personal guarantee from the director.
Is Defacto regulated?
Yes. Defacto is a financing company licensed by the ACPR, France's banking supervisor, and is PSD2 compliant.
Get paid now. Repay when it's due.
Check your eligibility in 27 seconds. Free, no commitment.
25,000+ SMEs funded · ACPR-licensed financing company