Traditional factoring is a financing solution focused solely on accounts receivable. A company sells its invoices to a factor, who advances the funds and then collects payment directly from the customers. This involves transferring ownership of the receivables and an external party intervening in the commercial relationship, notably by managing collections.
At Defacto, we offer a more flexible alternative designed for businesses that want to maintain control over their customer relationships while improving their cash flow.
What Defacto offers
✅ Expanded financing: We finance not only your accounts receivable but also your supplier invoices. This enables you to optimize your cash flow on both incoming and outgoing payments.
✅ No transfer of receivables: Your invoices remain your property. Defacto does not purchase your receivables, and you remain responsible for their payment.
✅ No payment guarantee or collections: Your customers never pay Defacto directly. This is not a factoring or credit insurance mechanism. You retain full control over your commercial relationships and payment follow-up.
✅ Your customer pays you directly, according to the terms you set (for example, within 30 days). Defacto never intervenes in communication or transactions with your customers.
In summary: no transfer of ownership, no payment guarantees, no client collections. Defacto enables you to improve liquidity while keeping full control over your operations.