Retail

finance your stock and supplier payments

With Defacto, retailers easily solve their treasury needs and unlock endless growth opportunities with pay-as-you-go financing to cover anything from stock purchases to your B2B sales

Get started

Powering the next generation of retailers

Your challenge

Retail is a seasonal business where stock orders and sales rarely align

Cash can get tight when you need to upfront stock financing or cash in preparation for next season’s inventory.

Our solution

Buy now, pay later financing that flexes to your variable business
‍

With Defacto, have financial peace of mind with instant access to working capital on your terms and timing.

real impact, really fast

20%

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

Why retailers love Defacto

A modern lending process

Say goodbye to complex procedures! Experience a tech-driven approach to financing that eliminates paperwork and endless back-and-forth.

Expedited
growth

Never miss a sale. Quickly access financing whenever you need a boost or extra capital coverage.

Sophisticated supplier relations

Strong relationships drive business success. Maintain timely payments and secure favourable bulk purchase discounts.

Transparent, adaptable terms

Finance exactly what you need, precisely when you need it, at a fair and fixed rate. No minimum, no fixed costs.

Direct lending

smart, forward-
thinking financing

With our scoring algorithm, we follow your growth and automatically anticipate your capital needs in our lending dashboard.

How it works

Lending 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

finance your stock and supplier payments

Retail is a seasonal business where stock orders and sales rarely align

Buy now, pay later financing that flexes to your variable business‍

Why retailers love Defacto

smart, forward-thinking financing

Lending with Defacto is quick and easy.

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

Retail is a seasonal business where stock orders and sales rarely align

Buy now, pay later financing that flexes to your variable business
‍

smart, forward-
thinking financing