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A French financing company authorised by the ACPR, the French banking supervisor, that advances single invoices with no framework contract, no personal guarantee and no customer notification.
Defacto scores 2.8 out of 5 (56 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 1 of 10. It is strongest for french firms wanting confidential single-invoice funding with no contract, with 5 out of 5 for contract flexibility. Not published or not stated on the pages read: product range, published pricing, advance and speed, published eligibility and contract flexibility.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 53 | 3 of 10 |
| For mid-sized firms | 54 | 3 of 10 |
| For payment and fintech firms | 60 | 1 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
French firms wanting confidential single-invoice funding with no contract.
What Defacto publishes on its own pages, read on 26 October 2026.
A French financing company authorised by the ACPR, the French banking supervisor, that advances single invoices with no framework contract, no personal guarantee and no customer notification. It holds ISO 27001:2022 and publishes eligible countries and invoice rules. It publishes no fee rate or advance percentage.
| Fact | What the provider publishes |
|---|---|
| Product | Accounts receivable financing: "Select the invoice you want to advance"; clients are not notified and pay "to your regular bank account". |
| Pricing | "Daily pro-rata pricing, automatically calculated based on duration and profile"; "No arrangement fee, no early repayment penalty"; rate "displayed before you confirm". |
| Speed | Eligibility analysis in "27 seconds"; "99.11% of transfers are instant"; repayment "Between 3 and 120 days" (FAQ: up to 6 months). |
| 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." |
| Flexibility | "No framework contract, no global portfolio assignment"; personal guarantee: "No. Defacto assesses eligibility based on your accounting and banking data." |
| Regulatory standing | "Defacto is a financing company licensed by the ACPR"; ISO 27001:2022 issued by Accorp Partners Cert Inc.; hosted on AWS. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: getdefacto.com/platform/…, getdefacto.com/security, help.getdefacto.com/en/articles/….
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
Tell us what you need and where you operate.