Your invoices are out. Your cash is still waiting.
Turn your outstanding receivables into available liquidity today. Select the invoice you want to advance, Defacto reviews your file in 27 seconds and wires the funds immediately. No factoring contract, no long-term commitment, no notification to your clients.
Trusted & Funded +20K SMEs
Our solutions
YOUR CHALLENGE
Your cash isn’t missing. It’s stuck with your clients.
Between invoice date and payment date, your working capital takes a hit. You've delivered, but your cash is tied up in unpaid receivables. The gap isn't caused by lack of business. It's caused by the lag between what you've produced and what you've actually collected.
1
Suppliers are waiting. You cannot meet your own payment deadlines.
2
Missed opportunities. A new contract comes up, but cash flow doesn’t keep up.
3
Growth slowed. Not from lack of orders, but from lack of liquidity.
OUR SOLUTION
The invoice advance your bank won't offer.
Select the receivables you want to mobilize. Defacto assesses your eligibility in 27 seconds via secure accounting connection, then transfers funds to your account by instant wire. Repayment at invoice maturity, between 3 and 120 days. No framework contract, no global portfolio assignment.
Submit your invoices
Select the receivables you want to finance.
Analysis in 27 seconds
+150 indicators analyzed in real time. No personal guarantee required.
Instant transfer
Funds are available immediately in your account.
Repayment at maturity
Between 3 and 120 days. No long-term commitment.
Why SMEs choose Defacto
You advance what you choose, when you need it
No global assignment, no monthly minimum. You activate financing on the receivables you've selected, at the exact moment your cash need arises. Your buyers receive no notification and pay as usual.
A cost you can see before you commit
The rate is displayed before you confirm. Daily pro-rata pricing, automatically calculated based on duration and profile. No arrangement fee, no early repayment penalty.
Your clients don't know. Your commercial relationship stays intact.
The mechanism is fully confidential. No subrogation, no buyer notification, no interference in your existing invoicing flows. Your client pays to your usual bank account, as always.
You choose the invoice.
Defacto advances the funds.
1 | Select the receivable to advance
Upload the validated invoice to the platform. Eligibility verified in 27 seconds via secure DSP2 accounting connection.
2 | Choose your financing duration
From 3 to 120 days depending on your cycle. You see the exact cost before confirming. No surprises.
3 | Funds arrive in your account. Immediately.
99.11% of transfers are instant. You have the liquidity on the same day, without waiting for your client to pay.
4 | You repay at maturity
One repayment line, one date. Accounting stays clean, traceable, audit-ready.
What it unlocks concretly
Reinvest without waiting for payment
You have delivered, the invoice is issued. You finance today to pay your suppliers, fund a hire, or absorb a peak in activity, without waiting 60 days.
Say yes to orders beyond your cash capacity
An opportunity arises but your cash flow is tight. You finance the existing invoice to free up the liquidity needed for the next order.
Reduce your DSO without changing your client terms
Your payment terms stay the same on the commercial side. You collect immediately. The impact on your working capital requirement is direct.
Frequently asked questions
Everything you need to know before you start.
What is the difference from traditional factoring?
How much can I finance?
Do I need to switch banks or change my accounting setup?
What types of businesses can use Defacto?
Will my clients be notified?
Which invoices are eligible?
How much does it cost?
Is a personal guarantee required?
Is Defacto a serious lender?
Collect now. Wait later.
Check your eligibility in 2 minutes. No commitment, no paperwork.