At Defacto, our mission is to provide rapid access to finance for European SMEs. However, in order to guarantee the quality and reliability of our services, certain exclusion criteria are necessary. It is important to understand that meeting these criteria is not sufficient to guarantee loan approval. In fact, Defacto reserves the right to accept or refuse any application for financing, even if the basic criteria are met.

If your company does not meet one of these essential criteria, we will unfortunately not be able to support you. However, meeting these criteria does not guarantee automatic access; each application is assessed individually to ensure a balanced and fair decision.