Treasury Flex in brief
Treasury Flex is a treasury loan designed for SMEs that need cash quickly, without having to justify every euro spent.
Unlike our invoice-based loans, Treasury Flex gives you complete freedom: use the funds however you like — cover an upcoming expense, smooth out a cash flow gap, or seize a business opportunity.
Why choose Treasury Flex?
No invoice required
You don't need to justify how the funds are used. Treasury Flex finances your working capital needs, not a specific transaction.Simple and transparent pricing
Treasury Flex costs 1% per month on the outstanding balance.Instalments tailored to your cash flow
You repay in 3 to 6 monthly instalments*, as you choose. This allows you to spread the cost without putting your cash flow under pressure.No surprises at the end of the month
Fees are deducted upfront when the loan is issued, not afterwards. You know exactly what you'll receive and what you need to repay.
How does Treasury Flex work?
You request an amount
From your Defacto dashboard, enter the amount you need and the payment period (3 to 6 months).Defacto makes you an offer
Within minutes, we analyse your loan request and tell you the maximum amount we can offer. This offer is valid for a limited time only.You receive the funds net of fees
If you accept the offer, we credit your account with the requested amount, minus the estimated fees for the period. For example: you request €20,000, the estimated fees are €1,000, you receive €19,000.You repay in monthly instalments
Each month, an instalment is collected automatically by SEPA Direct Debit*. You'll receive a monthly invoice summary for your accounting, but no additional fee collection takes place (you've already paid them).
How much does Treasury Flex cost?
Treasury Flex is charged at 1% per month on the outstanding balance.
As you repay part of the loan each month, the amount on which fees are calculated decreases progressively. The result: the longer the term, the lower the average monthly cost.
Example for a €12,000 loan:
Term | Total fees | Average cost per month |
3 months | ~€240 | ~€80/month |
6 months | ~€420 | ~€70/month |
The total cost is higher over 6 months, but the monthly cost is more manageable for your cash flow.
💡 Repaying early? If you settle your loan before the end of the scheduled term, we'll refund the fees you overpaid upfront.
Treasury Flex vs. Invoice-based loans
| Treasury Flex | Invoice-based loans |
Documentation required | None | A customer or supplier invoice |
Use of funds | Unrestricted | Linked to the invoice |
Payment | In 3 to 6 monthly instalments* | In one lump sum at maturity |
Fees | Deducted upfront | Debited monthly |
Max term | 6 months (180 days) | 4 months (120 days) |
Am I eligible for Treasury Flex?
Treasury Flex is available to existing Defacto customers who meet our eligibility criteria. The amount granted depends on the analysis of your loan request and is not linked to your loan facility for invoice-based loans.
👉 To check your eligibility, log in to your Defacto dashboard and submit a loan request.
* The borrower commits to meeting each of the scheduled payment dates; Defacto will collect amounts due in accordance with the loan agreement, at the contractually agreed maturities.