Forward-thinking partners growing faster with Defacto

Your challenge

Early payments require cash in hand today

Supplier discounts are a great way to save on payments you’re going to make anyway. But you need the cash flow available to make that happen.

Our solution

Short-term lending to seize opportunities

Defacto gives you short-term credit through AP and AR financing. You have quick access to funds to secure discounts, without risking getting low on cash.

Real impact, Really fast

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

Why small businesses love Defacto

The fastest way to borrow

Some loans can take months to set up, which doesn’t help you address urgent opportunities. Get started with Defacto in only 27 seconds.

Dip in & out as needed

Once your credit limit is established, you can come back to it as often as you need. Simply upload a payable or receivable, and you’ll have the funds right away.

No nasty surprises

Our goal is to fund your growth and keep you happy — not to trap you with fees and debt. Defacto is always honest, easy to understand, and built for SMBs.

The simple service you need

Set up and manage your credit without extra calls or pressure from salespeople. But if anything comes up, we’re here to help.

Tailored lending

Dynamic, custom credit

Traditional lending services don’t give you the flexibility or reactivity you need to take advantage of great opportunities. Get fast, versatile financing that’s there when you need it.

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