As a reminder, a B2B customer receivable is an invoice that you have issued to your customers: you can finance yourself the sum of your customers' unpaid invoices so that you don't have a cash flow gap (while waiting for them to pay you back).
📝 Defacto only accepts accounts receivable where the counterparty is a business with a business identifier. Any request for an invoice with a private individual will be refused.
1/ Upload the accounts receivable invoice
After logging into the web application here: https://app.getdefacto.com, click on the "New loan" button.
Select "Client receivable"
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 amountCreation dateDue dateCustomer information: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).
3/ Request a loan
You are now ready to submit your loan, just click "Continue" to start!
1. Set up the main details of your loan request
Loan amount: Choose the amount you wish to finance, you can choose up to 100% of the invoice amountRepay on: the date you wish to repay the loan
2. Set up your options
Payment: the date on which you would like us to send the payment. This can be today or in the future.Reference: you can choose to customise the transfer reference. Please note that SEPA transfers cannot have more than 35 characters and can only contain letters, numbers or the following characters / - ? : ( )
4/ Validate loan
Almost there! You can now review the request one more time before validating by clicking on "Submit loan request".
