<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://help.getdefacto.com/en/articles/5901188-how-to-submit-your-first-loan</loc>
    <lastmod>2024-08-01T10:21:19Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/5901188-how-to-submit-your-first-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/5901188-comment-soumettre-son-premier-pret" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/5901188-comment-soumettre-son-premier-pret</loc>
    <lastmod>2026-02-11T08:52:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/5901188-how-to-submit-your-first-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/5901188-comment-soumettre-son-premier-pret" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/5901206-understand-your-invoice-and-fees</loc>
    <lastmod>2026-02-12T16:55:06Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/5901206-understand-your-invoice-and-fees" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/5901206-comment-se-passent-la-facturation-et-les-frais" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/5901206-comment-se-passent-la-facturation-et-les-frais</loc>
    <lastmod>2026-02-12T16:55:21Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/5901206-understand-your-invoice-and-fees" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/5901206-comment-se-passent-la-facturation-et-les-frais" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6066208-can-i-finance-part-of-an-invoice</loc>
    <lastmod>2026-02-11T08:55:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6066208-can-i-finance-part-of-an-invoice" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6066208-puis-je-financer-une-partie-d-une-facture" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6066208-puis-je-financer-une-partie-d-une-facture</loc>
    <lastmod>2026-02-11T08:54:22Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6066208-can-i-finance-part-of-an-invoice" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6066208-puis-je-financer-une-partie-d-une-facture" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6092024-how-do-i-repay-defacto</loc>
    <lastmod>2026-02-13T09:39:11Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6092024-how-do-i-repay-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6092024-comment-rembourser-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6092024-comment-rembourser-defacto</loc>
    <lastmod>2026-02-13T09:38:21Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6092024-how-do-i-repay-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6092024-comment-rembourser-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6108785-can-i-repay-earlier</loc>
    <lastmod>2026-01-30T12:04:06Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6108785-can-i-repay-earlier" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6108785-puis-je-rembourser-plus-tot" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6108785-puis-je-rembourser-plus-tot</loc>
    <lastmod>2026-01-30T12:03:22Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6108785-can-i-repay-earlier" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6108785-puis-je-rembourser-plus-tot" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6460540-i-want-to-finance-and-pay-a-supplier-invoice</loc>
    <lastmod>2026-03-24T16:22:38Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460540-i-want-to-finance-and-pay-a-supplier-invoice" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460540-je-souhaite-financer-et-payer-une-facture-fournisseur" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6460540-je-souhaite-financer-et-payer-une-facture-fournisseur</loc>
    <lastmod>2026-03-24T16:22:31Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460540-i-want-to-finance-and-pay-a-supplier-invoice" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460540-je-souhaite-financer-et-payer-une-facture-fournisseur" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6460722-i-want-to-finance-my-b2b-accounts-receivable</loc>
    <lastmod>2026-03-24T10:38:35Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460722-i-want-to-finance-my-b2b-accounts-receivable" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460722-je-souhaite-financer-une-creance-client-b2b" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6460722-je-souhaite-financer-une-creance-client-b2b</loc>
    <lastmod>2026-03-24T10:36:57Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460722-i-want-to-finance-my-b2b-accounts-receivable" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460722-je-souhaite-financer-une-creance-client-b2b" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6460737-i-want-to-cancel-a-loan</loc>
    <lastmod>2024-06-19T12:48:42Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460737-i-want-to-cancel-a-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460737-je-souhaite-annuler-ma-demande-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6460737-je-souhaite-annuler-ma-demande-de-financement</loc>
    <lastmod>2026-01-29T15:32:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460737-i-want-to-cancel-a-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460737-je-souhaite-annuler-ma-demande-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6460740-why-can-t-i-submit-a-loan</loc>
    <lastmod>2026-02-11T08:50:54Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460740-why-can-t-i-submit-a-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460740-je-n-arrive-pas-a-soumettre-une-demande-de-financement-pourquoi" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6460740-je-n-arrive-pas-a-soumettre-une-demande-de-financement-pourquoi</loc>
    <lastmod>2026-02-11T08:50:28Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460740-why-can-t-i-submit-a-loan" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460740-je-n-arrive-pas-a-soumettre-une-demande-de-financement-pourquoi" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6460785-how-to-add-or-modify-the-customer-or-supplier-details</loc>
    <lastmod>2025-04-01T08:03:53Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460785-how-to-add-or-modify-the-customer-or-supplier-details" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460785-comment-ajouter-et-ou-modifier-le-client-ou-le-fournisseur" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6460785-comment-ajouter-et-ou-modifier-le-client-ou-le-fournisseur</loc>
    <lastmod>2025-04-01T08:02:01Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6460785-how-to-add-or-modify-the-customer-or-supplier-details" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6460785-comment-ajouter-et-ou-modifier-le-client-ou-le-fournisseur" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6553999-i-haven-t-received-the-funds-yet-what-should-i-do</loc>
    <lastmod>2025-03-19T15:20:49Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6553999-i-haven-t-received-the-funds-yet-what-should-i-do" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6553999-je-n-ai-pas-encore-recu-les-fonds-que-faire" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6553999-je-n-ai-pas-encore-recu-les-fonds-que-faire</loc>
    <lastmod>2025-03-19T15:17:41Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6553999-i-haven-t-received-the-funds-yet-what-should-i-do" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6553999-je-n-ai-pas-encore-recu-les-fonds-que-faire" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6863809-is-it-possible-to-postpone-the-payment-date</loc>
    <lastmod>2026-02-12T16:53:04Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6863809-is-it-possible-to-postpone-the-payment-date" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6863809-est-il-possible-de-repousser-la-date-de-remboursement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6863809-est-il-possible-de-repousser-la-date-de-remboursement</loc>
    <lastmod>2026-02-12T15:00:25Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6863809-is-it-possible-to-postpone-the-payment-date" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6863809-est-il-possible-de-repousser-la-date-de-remboursement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6864171-what-type-of-invoice-can-i-upload-on-defacto-s-interface</loc>
    <lastmod>2026-03-30T14:53:38Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6864171-what-type-of-invoice-can-i-upload-on-defacto-s-interface" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6864171-quel-type-de-facture-puis-je-telecharger-sur-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6864171-quel-type-de-facture-puis-je-telecharger-sur-defacto</loc>
    <lastmod>2026-03-30T14:53:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6864171-what-type-of-invoice-can-i-upload-on-defacto-s-interface" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6864171-quel-type-de-facture-puis-je-telecharger-sur-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/6882032-i-have-not-received-the-account-creation-email</loc>
    <lastmod>2024-06-17T19:12:47Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6882032-i-have-not-received-the-account-creation-email" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6882032-je-n-ai-pas-recu-le-mail-de-creation-de-compte" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/6882032-je-n-ai-pas-recu-le-mail-de-creation-de-compte</loc>
    <lastmod>2025-03-20T10:51:57Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/6882032-i-have-not-received-the-account-creation-email" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/6882032-je-n-ai-pas-recu-le-mail-de-creation-de-compte" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/7120489-mon-entreprise-etait-en-procedure-collective-suis-je-eligible-aux-financements-defacto</loc>
    <lastmod>2025-01-15T17:04:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/7120567-i-have-several-companies-how-do-i-open-a-new-defacto-account</loc>
    <lastmod>2026-01-29T15:19:52Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/7120567-i-have-several-companies-how-do-i-open-a-new-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/7120567-j-ai-plusieurs-entreprises-comment-faire-pour-ouvrir-un-nouveau-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/7120567-j-ai-plusieurs-entreprises-comment-faire-pour-ouvrir-un-nouveau-compte-defacto</loc>
    <lastmod>2026-01-29T15:20:59Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/7120567-i-have-several-companies-how-do-i-open-a-new-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/7120567-j-ai-plusieurs-entreprises-comment-faire-pour-ouvrir-un-nouveau-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/7365626-what-proof-of-funding-can-i-send-to-my-accountant</loc>
    <lastmod>2025-01-02T15:31:35Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/7365626-what-proof-of-funding-can-i-send-to-my-accountant" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/7365626-quels-justificatifs-de-financements-percus-puis-je-transmettre-a-mon-comptable" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/7365626-quels-justificatifs-de-financements-percus-puis-je-transmettre-a-mon-comptable</loc>
    <lastmod>2025-01-15T15:47:42Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/7365626-what-proof-of-funding-can-i-send-to-my-accountant" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/7365626-quels-justificatifs-de-financements-percus-puis-je-transmettre-a-mon-comptable" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8218743-how-does-defacto-define-my-loan-facility-amount</loc>
    <lastmod>2024-09-17T17:42:06Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8218743-how-does-defacto-define-my-loan-facility-amount" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8218743-comment-defacto-definit-il-ma-capacite-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8218743-comment-defacto-definit-il-ma-capacite-de-financement</loc>
    <lastmod>2026-02-12T17:06:07Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8218743-how-does-defacto-define-my-loan-facility-amount" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8218743-comment-defacto-definit-il-ma-capacite-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8218843-kyb-know-your-business-verification</loc>
    <lastmod>2026-01-29T15:21:55Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8218843-kyb-know-your-business-verification" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8218843-la-verification-kyb-know-your-business" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8218843-la-verification-kyb-know-your-business</loc>
    <lastmod>2025-01-15T16:59:54Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8218843-kyb-know-your-business-verification" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8218843-la-verification-kyb-know-your-business" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8434633-is-my-sector-eligible-for-defacto-financing</loc>
    <lastmod>2026-01-20T16:37:02Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8434633-is-my-sector-eligible-for-defacto-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8434633-est-ce-que-mon-secteur-d-activite-est-eligible-aux-financements-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8434633-est-ce-que-mon-secteur-d-activite-est-eligible-aux-financements-defacto</loc>
    <lastmod>2026-01-20T16:36:15Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8434633-is-my-sector-eligible-for-defacto-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8434633-est-ce-que-mon-secteur-d-activite-est-eligible-aux-financements-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8523550-my-loan-request-is-pending-validation-when-will-i-hear-back</loc>
    <lastmod>2023-10-27T10:57:27Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8523550-my-loan-request-is-pending-validation-when-will-i-hear-back" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8523550-mon-financement-est-en-cours-de-validation-quand-aurais-je-une-reponse" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8523550-mon-financement-est-en-cours-de-validation-quand-aurais-je-une-reponse</loc>
    <lastmod>2024-08-28T17:45:53Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8523550-my-loan-request-is-pending-validation-when-will-i-hear-back" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8523550-mon-financement-est-en-cours-de-validation-quand-aurais-je-une-reponse" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8601318-my-financial-data-has-been-disconnected-how-do-i-reconnect-it</loc>
    <lastmod>2025-03-19T08:49:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8601318-my-financial-data-has-been-disconnected-how-do-i-reconnect-it" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8601318-mes-donnees-financieres-ont-ete-deconnectees-comment-les-reconnecter" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8601318-mes-donnees-financieres-ont-ete-deconnectees-comment-les-reconnecter</loc>
    <lastmod>2025-03-19T08:49:48Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8601318-my-financial-data-has-been-disconnected-how-do-i-reconnect-it" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8601318-mes-donnees-financieres-ont-ete-deconnectees-comment-les-reconnecter" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/8684093-is-my-country-eligible-for-defacto-financing</loc>
    <lastmod>2025-09-15T16:23:51Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8684093-is-my-country-eligible-for-defacto-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8684093-est-ce-que-mon-pays-est-eligible-aux-financements-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/8684093-est-ce-que-mon-pays-est-eligible-aux-financements-defacto</loc>
    <lastmod>2025-11-21T15:35:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/8684093-is-my-country-eligible-for-defacto-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/8684093-est-ce-que-mon-pays-est-eligible-aux-financements-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9202680-what-are-defacto-s-exclusion-criteria</loc>
    <lastmod>2026-01-30T11:01:54Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9202680-what-are-defacto-s-exclusion-criteria" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9202680-quelles-sont-les-criteres-d-exclusion" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9202680-quelles-sont-les-criteres-d-exclusion</loc>
    <lastmod>2026-01-30T11:01:10Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9202680-what-are-defacto-s-exclusion-criteria" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9202680-quelles-sont-les-criteres-d-exclusion" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9431344-banking-data-sharing</loc>
    <lastmod>2026-01-29T15:06:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9431344-banking-data-sharing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9431344-partage-des-donnees-bancaires" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9431344-partage-des-donnees-bancaires</loc>
    <lastmod>2026-02-04T10:59:22Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9431344-banking-data-sharing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9431344-partage-des-donnees-bancaires" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9497277-new-terms-and-conditions-in-line-with-acpr-licence</loc>
    <lastmod>2024-08-29T08:37:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9497277-new-terms-and-conditions-in-line-with-acpr-licence" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9497277-nouvelles-conditions-generales-en-accord-avec-la-licence-acpr" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9497277-nouvelles-conditions-generales-en-accord-avec-la-licence-acpr</loc>
    <lastmod>2025-01-15T14:25:23Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9497277-new-terms-and-conditions-in-line-with-acpr-licence" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9497277-nouvelles-conditions-generales-en-accord-avec-la-licence-acpr" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9550708-comment-comptabiliser-mes-financements</loc>
    <lastmod>2025-01-15T14:19:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9717988-your-available-balance-explained</loc>
    <lastmod>2025-05-26T10:35:05Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9717988-your-available-balance-explained" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9717988-qu-est-ce-que-le-solde-disponible" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9717988-qu-est-ce-que-le-solde-disponible</loc>
    <lastmod>2025-05-20T14:30:54Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9717988-your-available-balance-explained" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9717988-qu-est-ce-que-le-solde-disponible" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9888042-how-to-add-a-user-to-my-defacto-account</loc>
    <lastmod>2024-09-17T14:55:12Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9888042-how-to-add-a-user-to-my-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9888042-comment-ajouter-un-utilisateur-a-mon-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9888042-comment-ajouter-un-utilisateur-a-mon-compte-defacto</loc>
    <lastmod>2024-09-17T14:33:29Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9888042-how-to-add-a-user-to-my-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9888042-comment-ajouter-un-utilisateur-a-mon-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/9888188-how-do-i-change-my-repayment-account</loc>
    <lastmod>2024-09-17T16:14:53Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9888188-how-do-i-change-my-repayment-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9888188-comment-modifier-le-compte-de-remboursement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/9888188-comment-modifier-le-compte-de-remboursement</loc>
    <lastmod>2024-09-17T15:40:55Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/9888188-how-do-i-change-my-repayment-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/9888188-comment-modifier-le-compte-de-remboursement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/10002425-how-to-set-up-two-factor-authentication-for-my-defacto-account</loc>
    <lastmod>2025-06-30T12:32:37Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/10002425-how-to-set-up-two-factor-authentication-for-my-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/10002425-comment-configurer-l-authentification-forte-sur-mon-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/10002425-comment-configurer-l-authentification-forte-sur-mon-compte-defacto</loc>
    <lastmod>2025-06-30T12:24:14Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/10002425-how-to-set-up-two-factor-authentication-for-my-defacto-account" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/10002425-comment-configurer-l-authentification-forte-sur-mon-compte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/10261935-how-to-manage-multiple-businesses-easily-with-defacto</loc>
    <lastmod>2024-12-11T15:04:23Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/10261935-how-to-manage-multiple-businesses-easily-with-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/10261935-comment-gerer-plusieurs-entreprises-facilement-avec-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/10261935-comment-gerer-plusieurs-entreprises-facilement-avec-defacto</loc>
    <lastmod>2024-12-10T17:34:39Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/10261935-how-to-manage-multiple-businesses-easily-with-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/10261935-comment-gerer-plusieurs-entreprises-facilement-avec-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/11426692-what-is-the-difference-between-traditional-factoring-and-defacto</loc>
    <lastmod>2025-05-22T15:04:51Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/11426692-what-is-the-difference-between-traditional-factoring-and-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/11426692-quelle-difference-entre-l-affacturage-classique-et-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/11426692-quelle-difference-entre-l-affacturage-classique-et-defacto</loc>
    <lastmod>2025-05-22T14:55:14Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/11426692-what-is-the-difference-between-traditional-factoring-and-defacto" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/11426692-quelle-difference-entre-l-affacturage-classique-et-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/12090083-how-do-i-import-multiple-invoices-at-once</loc>
    <lastmod>2025-10-29T09:44:02Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/12090083-how-do-i-import-multiple-invoices-at-once" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/12090083-comment-importer-plusieurs-factures-a-la-fois" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/12090083-comment-importer-plusieurs-factures-a-la-fois</loc>
    <lastmod>2025-10-29T09:43:10Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/12090083-how-do-i-import-multiple-invoices-at-once" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/12090083-comment-importer-plusieurs-factures-a-la-fois" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/13548819-connect-my-financial-tools-qonto-sellsy-etc</loc>
    <lastmod>2026-01-29T15:16:45Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/13548819-connect-my-financial-tools-qonto-sellsy-etc" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/13548819-connecter-vos-outils-financiers-sellsy-qonto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/13548819-connecter-vos-outils-financiers-sellsy-qonto</loc>
    <lastmod>2026-01-29T14:50:14Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/13548819-connect-my-financial-tools-qonto-sellsy-etc" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/13548819-connecter-vos-outils-financiers-sellsy-qonto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/articles/13562644-what-is-treasury-flex</loc>
    <lastmod>2026-03-10T16:20:58Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/13562644-what-is-treasury-flex" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/13562644-qu-est-ce-que-tresorerie-flex" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/13562644-qu-est-ce-que-tresorerie-flex</loc>
    <lastmod>2026-03-10T16:15:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/articles/13562644-what-is-treasury-flex" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/articles/13562644-qu-est-ce-que-tresorerie-flex" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/articles/13570439-comprendre-l-onglet-factures-et-les-statuts</loc>
    <lastmod>2026-01-30T11:00:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/3584716-getting-started</loc>
    <lastmod>2026-01-28T16:06:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3584716-getting-started" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3584716-premiers-pas" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/3584716-premiers-pas</loc>
    <lastmod>2026-01-28T16:06:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3584716-getting-started" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3584716-premiers-pas" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/3793039-invoice-financing</loc>
    <lastmod>2026-01-28T16:06:44Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3793039-invoice-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3793039-financement-sur-facture" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/3793039-financement-sur-facture</loc>
    <lastmod>2026-01-28T16:06:44Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3793039-invoice-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3793039-financement-sur-facture" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/18176633-treso-flex</loc>
    <lastmod>2026-01-30T09:31:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/18176633-treso-flex" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/18176633-tresorerie-flex" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/18176633-tresorerie-flex</loc>
    <lastmod>2026-01-30T09:31:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/18176633-treso-flex" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/18176633-tresorerie-flex" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/18176708-credit-card</loc>
    <lastmod>2026-01-28T16:11:49Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/18176708-credit-card" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/18176708-carte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/18176708-carte-defacto</loc>
    <lastmod>2026-01-28T16:11:49Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/18176708-credit-card" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/18176708-carte-defacto" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/3297939-manage-your-financing</loc>
    <lastmod>2026-02-12T17:05:14Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3297939-manage-your-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3297939-gerer-mes-financements" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/3297939-gerer-mes-financements</loc>
    <lastmod>2026-02-12T17:05:14Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3297939-manage-your-financing" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3297939-gerer-mes-financements" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/3904134-eligibility-and-limits</loc>
    <lastmod>2026-01-28T16:17:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3904134-eligibility-and-limits" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3904134-eligibilite-et-capacite-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/3904134-eligibilite-et-capacite-de-financement</loc>
    <lastmod>2026-01-28T16:17:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3904134-eligibility-and-limits" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3904134-eligibilite-et-capacite-de-financement" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/10440241-account-settings</loc>
    <lastmod>2026-01-28T16:12:32Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/10440241-account-settings" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/10440241-parametres-du-compte" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/10440241-parametres-du-compte</loc>
    <lastmod>2026-01-28T16:12:32Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/10440241-account-settings" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/10440241-parametres-du-compte" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/en/collections/3793040-troubleshooting</loc>
    <lastmod>2026-01-28T16:17:19Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3793040-troubleshooting" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3793040-resolution-des-problemes-courants" />
  </url>
  <url>
    <loc>https://help.getdefacto.com/fr/collections/3793040-resolution-des-problemes-courants</loc>
    <lastmod>2026-01-28T16:17:19Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.getdefacto.com/en/collections/3793040-troubleshooting" />
    <xhtml:link rel="alternate" hreflang="fr" href="https://help.getdefacto.com/fr/collections/3793040-resolution-des-problemes-courants" />
  </url>
</urlset>
