Forward-thinking partners growing faster with Defacto

Your challenge

Sales in the books, but not cash in the bank

Customers love your flexible payment terms, and business is good. But until the cash reaches your account, you don’t have the capital you need to invest in new growth.

Our solution

Adaptable AR financing

Defacto gives you credit to spend today, using your unpaid invoices as collateral. The process is simple, and delivers quick cash to meet your precise business needs.

Real impact, Really fast

Upway grows sales by 20% thanks to financing with Defacto.

Why small businesses love Defacto

Flexible financing without fail

Borrow as and when you need funds. You’re pre-approved up to your credit limit, and can borrow against new invoices whenever you need to.

Faster and fairer than factoring

Don’t wait months for the credit you need today. Create your account in 27 seconds, and upload your first receivables right away.

Straightforward terms

Manage your credit based on business needs. No minimums, no fixed charges, and no surprises hiding in the fine print.

Helpful, accessible service

Customer queries are priority zero for us. Every common issue is easily solved without a phone call, but the whole team is here for you just in case.

Tailored lending

Hand-pick the receivables to include

We won't ask for your whole portfolio of invoices. You upload the outstanding receivables you want to fund, and we supply the credit to match your exact needs.

Invoice financing is quick and easy.

Only 27 seconds from quote to cash.

Instant eligibility

No forms required. Link your banking apps in just two clicks.

Clear, upfront offer

See how much you can borrow with average rates of 0.05% daily. No hidden charges.

Fund invoices right away

Once you agree to the terms, you can immediately unlock working capital.

Tap in and top up

Advance more funds or repay any time within 0 to 120 days — all in a single step.

Join the 12,000+ businesses owning their growth with Defacto

Get started