Forward-thinking partners growing faster with Defacto

Your challenge

You need to spend money to make money

Purchasing stock ties up precious working capital. You may be forced to choose between building inventory and developing new products, or even paying urgent bills.

Our solution

Inventory financing for SMBs

Defacto gives you near-instant credit based on your unpaid supplier invoices. Get funding against your outstanding accounts payable, and put your working capital to best use.

Real impact, Really fast

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

Why small businesses love Defacto

Financing built just for SMBs

You need flexible funding, fast. Open a credit line in seconds, to use as and when the circumstances arise.

The fastest financing you’ll find

Don’t wait months for the credit you need today. It only takes 27 seconds to check eligibility and create your credit line.

Simple terms

Use funds however suits your business. No minimums, no fixed charges, and no surprises hiding in the fine print.

Friendly, reliable service

You won’t need any help getting started or solving common issues. But just in case, we’re always here to help.

Tailored lending

You choose the invoices to include

Your funding should match the exact stock you’re buying. Simply upload the invoices you need to pay, and you’ll get the credit to match. Refinance or return to your credit line any time you need.

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