Use outstanding accounts receivable to optimize your working capital. Get paid ahead of schedule, improve your cash conversion cycle, and invest in growth.
Flexible payment terms are great for sales and build lasting customer relationships. But you can’t use the capital you haven’t received yet. Long Days Sales Outstanding can cause problems.
Our solution
Easy AR financing for SMBs
Defacto gives you credit to spend today, using your unpaid invoices as collateral. Upload outstanding accounts receivable and get credit you can spend right away.
real impact, really fast
20%
Upway grows sales by 20% thanks to financing with Defacto.
Why small businesses love Defacto
Fast, flexible financing
Upload the specific invoices you want to finance, and refinance whenever you need. It only takes seconds.
Better than factoring for SMBs
Unlike most factoring contracts, Defacto is designed to be fair and fast for small businesses. Don’t wait months for the credit you need today!
Simplest possible terms
No hidden fees or sneaky surprises. Our terms are easy to understand and designed to suit the busy SMB world.
Swift, helpful service
Defacto is user friendly, and most customers can quickly solve any issues themselves. And our first-class support is here to help any time you need.
Tailored lending
You choose the invoices 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.
How it works
AR financing with Defacto is quick and easy.
Only 27 seconds from quote to cash.
Connect your bank and fintech tools
Get instant financing eligibility
Request lending against your capacity
Receive automatic confirmation of payment
Join the 10,000+ businesses owning their growth with Defacto
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