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 futureRepay on: the date you wish to repay the loanIBAN: if you want the funds to be sent to your account, you click here to select your own IBANEmail: 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".
