As a reminder, a supplier invoice is an invoice issued by your supplier that you have to pay: you can finance them with Defacto in order to pay your supplier on the due date, and you repay us later (in one instalment only). Please note that this is not refinancing, so you must not have already paid the invoice.
1/ Upload the accounts payable invoice
After logging into the web application here: https://app.getdefacto.com, click on the "New loan" button from the
InvoicesorLoanstabs.
Select "Pay a supplier invoice later"
Drag and drop or upload the invoice you wish to finance
2/ Verify the invoice information
Once you have uploaded the invoice, double click on it to check the following information:
Amounts: net, tax and total amountIssue dateDue dateBuyer: you are the buyer in accounts payable. If the OCR does not recognise the information, you can simply create a new counterparty by adding the client's business identifier (SIREN, NIF, CIF).Seller: your supplier is the seller in accounts payable. If the OCR does not recognise the information, you can simply create a new counterparty by adding your business identifier (SIREN, NIF, CIF).IBAN: we automatically save the IBAN mentioned on the invoices to make it easier for you next time. Don't forget to check that it's the right one!
3/ Request a loan
You are now ready to submit your loan, click on Request a loan:
Loan amount: Choose the amount you wish to finance, you can choose up to 100% of the invoice amountPay on: the date you want the payment to start. This can be today or in the future.Repay on: the date you wish to repay the loan.IBAN: when financing accounts payable, you do not need to do anything as the IBAN mentioned is the one on the invoice. If you wish the funds be sent to your account, you can double click on it to choose your IBAN.Email: if you enter an email address here, we will send a notification of bank transfer to your supplierReference: you can customise the transfer reference. Please note that SEPA transfers cannot have more than 35 characters.
4/ Validate loan
Almost there! You can now review the request one more time before validating and clicking on "validate loan".
