All Collections
Manage your invoices and loans
Where is my money?
I haven't received the funds yet, what should I do?
I haven't received the funds yet, what should I do?

Where is my loan payment? Everything you need to know about loan payment statuses

Morgan avatar
Written by Morgan
Updated over a week ago

Simply log into our web app to check the status of your loan payment.

🕐 Allow up to 3 business days (excluding weekends and French bank holidays) for funds to be received in the recipient's account.

Common Reasons

If you notice that you have not received the funds, here are the most common reasons:

  • There may be a delay in loan validation due to random checks of one business day, thank you for your patience.

  • Bank transfer times on the SEPA network are 2 working days (excluding weekends and French public holidays), please be aware that this time cannot be reduced.

  • In the case of a supplier payment, you may have sent the funds directly to the supplier; remember to check the IBAN of the beneficiary.

Still nothing after 3 working days? Please contact us via chat.

Checking payment statuses

1/ Search invoice

Find the invoice using the search bar in the top right hand corner. You can search via:

  • Invoice number

  • Company name of the buyer or seller on the invoice

2/ Check loan details

  • Click on See loan details

  • Explore the Payments and Activity tabs to find the timeline of status updates

3/ Review loan payment status

  • Tab: Payments





Loan payment

Automatic status when loan is validated


Loan payment

Loan is ready awaiting the scheduled payment date


Loan payment

The loan request was canceled


Loan payment

Defacto requested payment from payment service partner

In transit

Loan payment

The payment is on the SEPA network and will arrive in beneficiary account within 1 to 3 business days


Loan payment

The beneficiary received the payment


Loan payment

Technical anomaly detected with payment service provider


Repayment nominal

Defacto is awaiting loan repayment


Repayment nominal

(For direct debit repayment) Defacto has requested the direct debit via payment service provider

  • Tab: Activity


Possible action



Automated status when loan requested

To validate

automatic if using API

User must check and validate the loan conditions to generate a contract


Loan is validated but can still be canceled


Loan registered with Defacto awaiting the chosen pay out date; it can still be canceled at this stage


Defacto requests pay out from payment service provider on the SEPA network; the loan can no longer be canceled and will arrive within 1 to 3 business days

To repay

Loan must be repaid by borrower

To repay fees

Loan is repaid and Defacto sends invoice to collect interest fees


Loan repayment is late


Terminal status when both loan and loan fees have been repaid in full

Issue detected

An anomaly has been detected with our payment service provider


Loan canceled by client


Defacto declined the loan because 1) the credit line is insufficient or 2) the account has been suspended.

For invoice statuses, please see this article

Did this answer your question?