Comparison · 2026 edition
Defacto vs Earlypay: invoice finance compared 2026.
Defacto and Earlypay side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
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Defacto and Earlypay side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
In the Invoice Finance and Factoring Index, Defacto scores higher overall: 2.8 out of 5 (56 out of 100) against 2.6 (52), ranking 1 and 3 of 10. Defacto scores higher for payment and fintech firms; Earlypay scores higher for small B2B suppliers and mid-sized firms.
Overall and segment scores out of 100, and the score out of 5.
| Score | Defacto | Earlypay |
|---|---|---|
| Score out of 5 | 2.8 | 2.6 |
| Score out of 100 | 56 | 52 |
| Overall rank | 1 of 10 | 3 of 10 |
| For small B2B suppliers (out of 100) | 53, rank 3 | 54, rank 2 |
| For mid-sized firms (out of 100) | 54, rank 3 | 55, rank 1 |
| For payment and fintech firms (out of 100) | 60, rank 1 | 46, rank 3 |
| Type | Invoice financing platform | Invoice finance provider |
Each score with the evidence behind it.
| Criterion | Defacto | Earlypay |
|---|---|---|
| Product range | 2/5 Single-invoice finance and a confidential option published; factoring and bad debt protection not published. | 3/5 Factoring, discounting and debtor protection published; single-invoice and confidential options not published. |
| Published pricing | 0/5 Pricing method and absent fees described; no rate published. | 3/5 Yearly interest rate range published; other fees not quantified. |
| Advance and speed | 3/5 Instant transfer and decision times published; advance percentage not published. | 4/5 Advance rate, approval time and funding time published, with conflicting advance figures. |
| Published eligibility | 3/5 Eligible countries and invoice rules published; no facility size published. | 5/5 Facility range, Australian eligibility and invoice age rule published. |
| Contract flexibility | 5/5 No framework contract, no minimum portfolio and no personal guarantee all stated. | 0/5 Not published on the pages read. |
| Regulatory standing | 4/5 ACPR authorisation named without a register number, with ISO 27001:2022. | 1/5 Industry association membership shown only; no licence or certification. |
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Defacto | Earlypay |
|---|---|---|
| Product | Accounts receivable financing: "Select the invoice you want to advance"; clients are not notified and pay "to your regular bank account". | Not listed in this index |
| Pricing | "Daily pro-rata pricing, automatically calculated based on duration and profile"; "No arrangement fee, no early repayment penalty"; rate "displayed before you confirm". | "interest rate charged on Invoice Financing balances ranges between 7.99% and 13.95% per annum"; drawdown or administration fees may apply, amounts not listed. |
| Speed | Eligibility analysis in "27 seconds"; "99.11% of transfers are instant"; repayment "Between 3 and 120 days" (FAQ: up to 6 months). | Not listed in this index |
| Eligibility | Company based in France; invoices in euros; customer receivables financed in France, Spain, Germany, Belgium or the Netherlands; "Invoices issued to B2B clients, validated and not yet due." | "Lines of credit of $100K - $10 million" (FAQ: "from $50k"); ABN or ACN and invoices to other Australian businesses; invoices not funded "more than 90 days past the issue date". |
| Flexibility | "No framework contract, no global portfolio assignment"; personal guarantee: "No. Defacto assesses eligibility based on your accounting and banking data." | Not listed in this index |
| Regulatory standing | "Defacto is a financing company licensed by the ACPR"; ISO 27001:2022 issued by Accorp Partners Cert Inc.; hosted on AWS. | AFIA member logo in the footer; no licence or security certification stated. |
| Products | Not listed in this index | Invoice Factoring and Invoice Discounting, with an optional Debtor Protection add-on; also Equipment, Trade and Payroll Finance. |
| Advance and speed | Not listed in this index | "up to 85% of your outstanding invoice value" (FAQ: 80%, sometimes 90%); response "within 24 hours" with Xero or MYOB AccountRight; funds within 24 hours of approval. |
| Security | Not listed in this index | "the primary security is the invoices themselves"; no real estate security required. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Defacto: product range, published pricing, advance and speed, published eligibility and contract flexibility.
Not published or not stated by Earlypay: pricing, regulatory standing, product range and contract flexibility.
Facts read on 26 October 2026 from: getdefacto.com/platform/…, getdefacto.com/security, help.getdefacto.com/en/articles/…; and earlypay.com.au/invoice-finance.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
French firms wanting confidential single-invoice funding with no contract.
Australian firms, including start-ups, wanting a published rate range.
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