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' outstanding and unpaid invoices so that you don't have a cash flow gap. You can finance due invoices only.
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.
💡The repayment of your financing is directly linked to the payment received from your client. As soon as this payment is credited to you, you must proceed with repaying the corresponding financing. Until this repayment has been made, we will not be able to approve any new financing requests.
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 (this cannot be more than 60 days past the due date of your invoice)
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/ Confirm the loan request
Almost there! You can now review the request one more time before validating by clicking on "Submit loan request".
