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 from the
InvoicesorLoanstabs.
Select "Collect a customer invoice now"
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: your customer is the buyer in the case of an accounts receivable. 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: you are the seller in the case of an accounts receivable. 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: when financing accounts receivable, 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 another account, you can double click on it to choose another IBAN.Reference: 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".
