Forward-thinking partners growing faster with Defacto

Your challenge

Great vendors are in short supply

Supplier relationships are too valuable to jeopardise. Keeping them happy means paying on time, every time. But when cash is tied up elsewhere, you may not have the funds you need.

Our solution

Get fast funds to keep everyone happy

Defacto gives you short-term credit through AP and AR financing. Prevent cash flow issues and meet every commitment. Suppliers will be singing your praises.

Real impact, Really fast

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

Why small businesses love Defacto

The fastest form of financing

It shouldn’t take months to fund your small business. Joining Defacto only takes 27 seconds, and then you’re ready to open a line of credit.

Flexible lines of credit

Want to take advantage of a one-time offer or early payment discount? Borrow as often as you need up to your limit, with no delays.

Transparent terms‍& conditions

Nobody likes hidden fees and dubious fine print. Defacto is always honest, easy to understand, and built for SMBs. If you’re happy, we’re happy.

Friendly, human service

We’re confident you won’t have any issues getting started. But if anything comes up, we’re here to help.

Tailored lending

One size doesn’t fit all

Unlike traditional lending services, we’re here to give you what you want, and nothing more. You choose your financing instrument, the invoices you upload, and how quickly you repay.

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